Lifecare Medical Center

Roseau, MN Health careNAICS 622000

Self-funded health planPlan year 2025Renews January
527Participants+4% vs. prior year
$1.2MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#45 of 50Health care in MNBy participants

Overview

Lifecare Medical Center sponsors a self-funded health plan that covered 527 participants in plan year 2025, up 4% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, long-term disability, death benefits.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
527 · prior year 507
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Lifecare Medical Center Employee Welfare Benefit Plan, plan 599 (527 participants)
Stop-loss carrier
Medica Insurance Company
Broker compensation
$127K across insured contracts
MedicalLife insuranceDentalLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Medica Insurance CompanyMedical, Prescription drug, Stop-loss653$850K$57K
Ddmn ASO, LLCDental720$301K$30K
Lincoln National Life Insurance CompanyLife, Long-term disability357$288K$39K
Hartford Fire Insurance CompanyAccidental Death377$2K$236

Pharmacy benefit estimate

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

$1.2M/ year

Estimated prescription spend: 527 participants × $2,371 national average per member. Usually higher once dependents are counted.

$32K–$80K/ year

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

Brands with a generic available$9K–$24K
Lower-cost therapeutic alternatives$14K–$29K
Generic pricing vs. actual cost$6K–$18K
PBM contract terms$3K–$9K
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
Lifecare Medical Center
Sponsor EIN
41-1804205
Plan number
599
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 41-1804205 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
403(b) Retirement Plan of Lifecare Medical Center
Type
Defined contribution plan
Participants
676

About this data

Source: Lifecare 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 Lifecare Medical Center.

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