Aurora Cares, LLC DBA Tara Cares

Orchard Park, NY Health careNAICS 623000

Self-funded health planPlan year 2025Renews JanuaryCollectively bargained
3,611Participants+0% vs. prior year
$8.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#24 of 137Health care in NYBy participants

Overview

Aurora Cares, LLC DBA Tara Cares sponsors a self-funded health plan that covered 3,611 participants in plan year 2025, about the same as the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, long-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
3,611 · prior year 3,599
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Aurora Cares, LLC DBA Tara Cares Welfare Benefits Plan, plan 501 (3,611 participants)
Broker compensation
$31K across insured contracts
MedicalLife insuranceDentalVisionLong-term disabilityDeath benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
The Guardian Life Insurance Company of AmericaLife, Long-term disability208$259K$28K
Vision Service PlanVision80$125K$3K

Pharmacy benefit estimate

StreamRX estimate for a plan this size. Not based on this plan's claims.

$8.6M/ year

Estimated prescription spend: 3,611 participants × $2,371 national average per member. Usually higher once dependents are counted.

$223K–$549K/ year

Typical savings opportunity found in independent reviews of plans this size.

Brands with a generic available$65K–$163K
Lower-cost therapeutic alternatives$95K–$199K
Generic pricing vs. actual cost$41K–$123K
PBM contract terms$21K–$64K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning January 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2025
Plan sponsor
Aurora Cares, LLC DBA Tara Cares
Sponsor EIN
36-4530507
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 36-4530507 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Aurora Salary Deferred Savings Plan
Type
401(k) plan
Participants
5,802

About this data

Source: Aurora Cares, LLC DBA Tara Cares's Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with Aurora Cares, LLC DBA Tara Cares.

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