Self-Funding

In the last decade, we have seen a significant increase in the number of employers over 50 in size partially self-funding their health care programs.

More than half of the nation’s employers are using self-insurance as a means of controlling the high cost of employee benefit programs. Purchasing Stop Loss Coverage limits the employer’s exposure and protects the company’s cash flow.

Stop-Loss Coverage

Analyzing your risk and developing strategy to address that risk is of the utmost importance. You decide the level of risk you want to assume and the amount you wish to have assumed by one of the several stop-loss insurers we utilize. To facilitate stop-loss coverage on behalf of our clients, we negotiate with only the financially strong A+ rated stop-loss carriers.

• Specific stop-loss coverage levels to protect against catastrophic expenses from any one employee or dependent.
• Aggregate stop-loss coverage to limit catastrophic liability to a maximum amount for the entire group featuring a monthly Aggregate maximum.
• A wide variety of incurred/paid options that are available to meet each employer’s level of risk.

We recognize that each employer has different needs, different demographics, claims experience and plan design preferences. We can tailor policy features to an employer’s preference. In addition, we offer all standard contract provisions plus all variations commonly available in the marketplace.

Contact us for details or questions.