Community Health Centers of the Central Coast, Inc.

Santa Maria, CA Health careNAICS 621111

Self-funded health planPlan year 2025Renews January
996Participants+26% vs. prior year
$2.4MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#45 of 68Health care in CABy participants

Overview

Community Health Centers of the Central Coast, Inc. sponsors a self-funded health plan that covered 996 participants in plan year 2025, up 26% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
996 · prior year 788
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Community Health Centers of the Central Coast, Inc. Welfare Benefit Plan, plan 501 (996 participants)
Broker compensation
$260K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Metropolitan Life Insurance CompanyDental, Vision1,960$1.1M$40
Unum Life Insurance Company of AmericaLife, Long Term Care, Short-term disability, Long-term disability989$707K$217K
Colonial Life & Accident Insurance CompanyShort-term disability98$72K$8K
Unum Life Insurance CompanyCritical Illness, Accident155$44K$31K
Continental American Insurance CompanyCritical Illness and Hospital Indemnity27$16K$2K

Pharmacy benefit estimate

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

$2.4M/ year

Estimated prescription spend: 996 participants × $2,371 national average per member. Usually higher once dependents are counted.

$61K–$151K/ year

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

Brands with a generic available$18K–$45K
Lower-cost therapeutic alternatives$26K–$55K
Generic pricing vs. actual cost$11K–$34K
PBM contract terms$6K–$18K
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
Community Health Centers of the Central Coast, Inc.
Sponsor EIN
95-3253302
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 95-3253302 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Community Health Centers of the Central Coast, Inc. 401(a) Savings Plan
Type
401(k) plan
Participants
1,341

About this data

Source: Community Health Centers of the Central Coast, Inc.'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 Community Health Centers of the Central Coast, Inc..

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