
WHY MEDICAL STOP-LOSS?
Medical stop-loss is essential in limiting risk in a self-insured health plan. With healthcare reform and increasing costs, many employers have been leveraging funding alternatives like self-insurance, which has also grown the demand for stop-loss coverage.


ADVANTAGES
Increased Administrative Control
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Likely to avoid lasers (excluding or using a higher deductible for certain individuals)
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Designs coverage and provisions of benefits
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Improved data management and loss cost management
Improved Risk Management
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Manage exposure to catastrophic loss
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Quantify financial benefits of wellness initiatives and specific loss prevention programs
Cost Savings
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Elimination of carrier profit and premium taxes
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Improved cash flow as the employer holds on to the claim
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Lower cost reinsurance
Customization
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Every company has its own set of unique risks based on industry, geography, demographics, etc.
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Our programs allow you to tailor your coverage to your specific needs