The Cleveland Clinic Foundation
Overview
The Cleveland Clinic Foundation sponsors a self-funded health plan that covered 73,882 participants in plan year 2025, down 3% 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
- 73,882 · prior year 76,011
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Cleveland Clinic Welfare Benefits Plan, plan 530 (73,882 participants)
- Broker compensation
- $1.5M across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| Medmutual Life Insurance Company | Life, Long-term disability | 67,242 | $14.5M | $380K |
| Metropolitan Life Insurance Company | Short-term disability, Life | 4,609 | $13.4M | $19K |
| Fidelity Security Life Insurance Company | Vision | 43,537 | $8.5M | — |
| Life Insurance Company of North America | Business Travel Accidental Death, Short-term disability, Long-term disability | 62,720 | $4.3M | $114K |
| Trustmark Insurance Company | Life | 1,432 | $2.4M | $482K |
| MetLife Legal Plans | Legal | 7,530 | $1.4M | $171K |
| Unum Life Insurance Company of America | Long Term Care, Long-term disability | 2,205 | $1.3M | $201K |
| Cigna Health and Life Insurance Company | Dental | 7,997 | $1.3M | — |
| Lincoln National Life Insurance Company | Long-term disability, Short-term disability | 1,779 | $952K | $65K |
| American United Life Insurance Company | Long-term disability, Short-term disability | 169 | $209K | $29K |
| United Healthcare Insurance Company | Prescription drug | 48 | $18K | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 73,882 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- The Cleveland Clinic Foundation
- Sponsor EIN
- 34-0714585
- Plan number
- 530
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 34-0714585 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Cleveland Clinic Savings and Investment Plan
- Type
- Defined contribution plan
- Participants
- 88,028
About this data
Source: The Cleveland Clinic Foundation'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 The Cleveland Clinic Foundation.