solutions

FEATURES

FEATURES

AGGREGATE STOP-LOSS

Provides a financial cap for the group as a whole.  Essentially, it limits the entire group losses at a predetermined dollar amount (adjusted only for census changes).  AGGREGATE ONLY products are available to further reduce an employer risk exposure.

 

SPECIFIC STOP-LOSS

Protects the individual, unexpected, large, catastrophic claim.  This coverage caps the claims at a predetermined deductible amount.  Amounts as low as $5,000 are available.

 

MATURE CONTRACT TYPES

Mature run-in and run-out contract types cover the plan's liability in any given year.  Guaranteed, unlimited run-out protection is also available eliminating the concern of excessive run-out liability trapping the self-funded employer.

DESIGN YOUR OWN HEALTH PLAN

Employers have the ability to customize their own health plan rather than being limited to one of several "off-the-shelf" versions that may be offered by a fully-insured carrier.  Multi-year participation is optimal.

DETAILED CLAIMS REPORTS

Employers have access to extensive claims reports helping them to make informed decisions regarding their health plans and associated budgets.  Employers actually receive a receipt for monies spent.

PPO NETWORKS

Flexibility in PPO selection is based on geographical location(s) comparable to the fully-insured industry.

PRESCRIPTION DRUG COVERAGE

Comprehensive coverage for Rx under both specific and aggregate stop loss.