solutions
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.
