Traditional Stop-Loss Insurance

Traditional Stop-Loss Insurance is an insurance policy that typically works in conjunction with employer self-funded health plans, providing protection to employers against unpredictable, catastrophic, or high volume claims that could compromise the company's financial wellbeing. When purchasing a stop-loss policy employers have two types of policies to take into consideration: Specific Stop-Loss and Aggregate Stop-Loss.

Specific Stop-Loss

Specific stop-loss provides protection for the employer against high claims on any one individual member.

We offer Specific Deductibles ranging from $20,000 up to $1 million, Specific only coverage, and Specific Claim Advancement.

Aggregate Stop-Loss

Aggregate stop-loss provides protection for the employer against total claims during a contract period.

We offer variable Aggregate Attachment Points, Aggregate only quotes, as well as Aggregate Accommodation.

The benefit plan, size of the employer, risk tolerance, and employee demographic and health can all affect the price of the stop-loss policy being purchased. Many employers purchase their stop-loss policy through a TPA, however the policy can also be purchased directly from the carrier or underwriter.