Medical Stop Loss Insurance

Reimburses qualified employers when medical claims exceed a certain dollar amount. Available as specific or aggregate coverage (based on claims of an individual plan participant or the entire group). In addition to medical stop loss plans, we offer employers:

• Integrated stop loss: An innovative bridge product for employers moving from a fully insured employee health plan to a self-funded one.
• Incurred stop loss: Reimburses any eligible claim that is incurred within the stop loss policy period, even if the claim is paid outside the stop loss policy period.

Reimburses a managed care organization (MCO), such as a health maintenance organization (HMO), when large claims exceed a certain dollar amount. Available on a specific and aggregate basis (individual and group).

The following are also available to qualified customers:

• Broad-spectrum solutions customized for multiple exposures (Medical Malpractice, Property, Casualty, Patient Exposures)
• Clinical risk management resources and access to preferred cost containment vendors
• Direct access to underwriting, risk management and claims management