How a plan is funded is largely invisible to the staff. For example, ASHA has been self-insuring dental coverage for years and I doubt most staff have given it any thought. In 2015, staff will notice a few changes though. Our coverage will still be with UnitedHeathcare, but UMR (a different group within the company) will be handling our account. Therefore, we will all be issued new cards with new contact information.
We'll be explaining all this and more during our open-enrollment meetings in November. Please plan to attend. As always, spouses are welcome.