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.
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.
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.