Self-insured employers, third party administrators and ASOs have to continually evaluate the stop loss coverage they have selected for their plans or clients. The key points to consider are access, quality and cost efficiency. We do more than simply try to cap catastrophic claims; we also try to determine if these risks are more appropriately transferred to providers. We currently offer transplant, disease management, neonatal, and burn programs. Our options are tailored to the changing climate and individual needs.
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Specific:
- Deductible set to take advantage of good claims history
- Profit commission when you have a good year with a small number of catastrophic illnesses
- Excellent turnaround on claims reimbursement
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Aggregate:
- Plan rated on your experience
- Attachment point to assure plan stability
- Both run-in/paid and incurred coverage are offered
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Value Added:
- Organ and transplant programs
- Drop-down deductible transplant endorsements
- Moving from fully insured to self-insured
- Having the tools necessary to remove most of the uncertainty in changing your health plan
