Vandalia Health, Inc.

Charleston, WV Health careNAICS 622000

Self-funded health planPlan year 2025Renews January
11,878ParticipantsFirst year on file
$28.2MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 7Health care in WVBy participants

Overview

Vandalia Health, Inc. sponsors a self-funded health plan that covered 11,878 participants in plan year 2025. 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
11,878
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Vandalia Health System Master Health and Welfare P, plan 501 (11,878 participants)
Stop-loss carrier
Sun Life Assurance Company of Canada
Broker compensation
$1.2M across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Life Insurance Company of North AmericaSTD, Long-term disability, Vacc, VTL Fully Insured Voluntary Group11,447$11.3M$569K
Sun Life Assurance Company of CanadaStop-loss8,602$2.8M$168K
Vision Service PlanVision8,421$2.8M$50K
Unum Insurance CompanyAccident, Critical Illness, Hospital3,192$1.5M$396K

Pharmacy benefit estimate

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

$28.2M/ year

Estimated prescription spend: 11,878 participants × $2,371 national average per member. Usually higher once dependents are counted.

$732K–$1.8M/ year

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

Brands with a generic available$214K–$535K
Lower-cost therapeutic alternatives$313K–$653K
Generic pricing vs. actual cost$135K–$406K
PBM contract terms$70K–$211K
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
Vandalia Health, Inc.
Sponsor EIN
55-0664138
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 55-0664138 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Vandalia Health System 401(k) Retirement Savings P
Type
401(k) plan
Participants
15,480

About this data

Source: Vandalia Health, 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 Vandalia Health, Inc..

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