Stop-loss insurance. The protection under a self-funded plan.
How stop-loss insurance works for self-funded employers: specific and aggregate coverage, deductibles, attachment points, contracts and cost.
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How does stop-loss insurance work?
Stop-loss insurance reimburses a self-funded employer when health claims pass a set limit. Specific stop-loss covers one person's claims above a per-person deductible, and aggregate stop-loss covers total plan claims above a group-wide cap. The employer pays claims up to those attachment points, and the carrier reimburses the excess.
Read the guideIn this guide
- What is Stop-Loss Insurance?
- What Are the Benefits of Stop-Loss Insurance?
- What Are the Types of Stop-Loss Insurance?
- How Does Stop-Loss Insurance Work?
- What is an attachment point, and how low can it go?
- What are the stop-loss contract types?
- What is lasering?
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See what your plan is really costing you.
A Strategic Analysis starts with your plan documents and your broker agreement, then shows you what your plan costs, where the risk sits, and what a committee would decide with the full picture.