Employer stop loss is formulated and insurance is provided to pay all claims over the illustrated employer self funding limit. The employer responsibility for healthcare benefits are fully funded and healthcare costs that exceed the employer's share are fully insured, meaning you will never have to pay more than the illustrated premium per employee, per month, regardless of claim activity.

We write Cunsumer Directed Health Plans (CDHP), HSA and HRA plan designs and provide advance funding on your employee's self insured liability, which is their HSA deductible. Employees fund their HSA accounts monthly, and claims may occur before full HSA account funding is achieved.

It's simple. Employees have their deductible and maximum out of pocket; Employers have a maximum out of pocket above the employee's; Stop Loss insurance pays from that point on, just like your current fully insured group insurance.

Photo ID cards and a new claims payment process is implemented which reduces fraud and saves healthcare benefit dollars that employers and employees retain.

Employer maximum financial risk is identified and fully funded. Reports can be generated on demand that illustrate both financial and clinical outcomes. No financial surprises!