Emma L Bixby Medical Center

Adrian, MI Health careNAICS 622000

Self-funded health planPlan year 2025Renews JanuaryCollectively bargained
636Participants+35% vs. prior year
$1.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#24 of 27Health care in MIBy participants

Overview

Emma L Bixby Medical Center sponsors a self-funded health plan that covered 636 participants in plan year 2025, up 35% 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
636 · prior year 471
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Emma L Bixby Medical Center Employee Benefit Plan, plan 501 (636 participants)
Broker compensation
$11K 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
Reliastar Life Insurance CompanyLife, Short-term disability, Long-term disability650$395K$11K
Health Resources Inc.Vision, Dental723$304K—
Delta Dental of OhioDental61$46K—
MetLife Legal PlansLegal40$6K$122

Pharmacy benefit estimate

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

$1.5M/ year

Estimated prescription spend: 636 participants × $2,371 national average per member. Usually higher once dependents are counted.

$39K–$97K/ year

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

Brands with a generic available$11K–$29K
Lower-cost therapeutic alternatives$17K–$35K
Generic pricing vs. actual cost$7K–$22K
PBM contract terms$4K–$11K
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
Emma L Bixby Medical Center
Sponsor EIN
38-2798005
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 38-2798005 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Emma L Bixby Medical Center'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 Emma L Bixby Medical Center.

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