Peel the label off the can (or cans!) of sweetened condensed milk, place it in a pot or large saucepan, and cover it with water by 1 to 2 inches. Bring it to a very gentle boil, then reduce the heat to LOW, so that the water has a nice slow simmer.
A RealAge answered. A self-insured plan is a health plan offered by an employer who collects premiums from employees and assumes the responsibility and financial risk of paying the employees' and covered dependents' medical claims. Employers that offer self-insured plans tend to be large companies.
Employee portions of fully insured premiums often are deducted pre-tax through payroll. Self-insured and fully insured policies are two very different approaches to employer-sponsored group medical plans. With a self-insured policy, the player sets up a plan that pays for insurance claims as they arise. With the more common fully insured plan, the employer pays regular premiums to the provider in exchange for guaranteed payment of benefits on claims.