Consulting Services
Reinsurance
Peace-of-Mind
STOP LOSS REINSURANCE
Protect your company cash flow & claims liability.
Corporate Healthcare Financing has secured over $350 Million in reinsurance premiums since 2011 from A+ Carriers, MGU’s and Wholesalers. Look no further in receiving the most competitive stop loss policy from expert risk managers. Our exclusive & proprietary process includes:
- Evaluating prior renewals, high cost claimants along with current Medical & RX claims data.
- Conduct claim risk assessments through 3rd party nurse and case management review including identify trends and future claim costs.
- Present a complete underwriting stop loss proposal to our national markets for the most competitive reinsurance policy available.
- Execute and oversee the reinsurance policy on a monthly basis along with renewal planning and future marketing efforts.
Financial Safeguards
A+ Rated Protection
Built-In Cash Flow Protections
Stop Loss:
Specific (Individual) Coverage
- Reduces the employer’s exposure to high-cost individuals.
- Employer pays all claims for each individual – up to the specific stop loss limit.
- Stop loss carrier reimburses the employer for claims on individuals whose annual eligible expense has exceeded the specific stop loss limit.
- At each contract renewal, each individual will be subject to a new specific stop loss deductible.
Stop Loss:
Aggregate Group Coverage
- Reduces the employer’s exposure to high levels of claim utilization on the group as a whole, rather than specific individuals.
- The stop loss carrier reimburses the self-funded employer for all eligible claims that exceed the aggregate deductible.
- Claims in excess of the specific deductible are removed from the claims that apply toward the aggregate deductible.
- Aggregate accommodation provides monthly limits for claims.
- Aggregate TLO provides protection for run out claims.
- At each contract renewal, claims accumulations will be subject to a new aggregate deductible.