Employer Stop Loss Protection for Self-Funded Employee Benefit Plans

R.E. Moulton, Inc., has been a primary player in the stop loss arena for more than 25 years. We pioneered the concept of stop loss coverage for self-funded employee benefit plans. Today, Employer Stop Loss remains our flagship product, while the concept of self-funding now encompasses more than two-thirds of the employer health plans in the U.S.

[Top]The Challenge: Providing Employee Benefits Amid Spiraling Healthcare Costs.

Employers pour millions of dollars each year into employee benefit plans. During these times of ever-increasing healthcare costs, a growing number of employers find it difficult to continue providing their employees with comprehensive benefits. As a result, many employers are turning to self-insurance as a means of stabilizing the health care costs associated with employee benefit plans.

Since the passage of the Employee Retirement Income Security Act (ERISA) in the mid-1970s, R.E. Moulton has been at the forefront in promoting self-funding for employee benefit plans. This strategy helps employers reduce operating costs significantly and increase the company's cash flow. But employers who self-fund their benefit plans still face the threat of catastrophic losses should a plan member become severely ill. With Employer Stop Loss coverage from R.E. Moulton, employers gain an extra measure of protection against catastrophic claims without having to cut back on their self-funded employee benefit plans.

[Top]R.E. Moulton, Inc. Can Provide the Solution.

As a leading underwriter of Employer Stop Loss coverage, R.E. Moulton is helping employers preserve their financial viability in a tough business environment, while also providing the competitive benefit plans necessary to attract and retain the best employees. We offer a variety of stop loss options to employers who are self-funding their benefit plans. Every R.E. Moulton client is unique, and so is each coverage and service request. Each client, therefore, deserves and receives highly responsive, individualized service. Our Employer Stop Loss underwriters can address any need, no matter how complicated the specifications.

[Top]The R.E. Moulton, Inc. Advantage.

Brokers and TPAs enjoy doing business with us because we deliver the cutting-edge coverage features that they want most. A few of the key reasons why R.E. Moulton is one of the country's premier underwriters of Employer Stop Loss coverage include:

  • Stop loss protection available for plans with as few as 50 employees and specific deductible levels as low as $10,000 (or state required minimums)
  • Coverage tailored to specific employer needs
  • Flexible contracts (12/12, 15/12, 12/15 and more)
  • Advanced specific reimbursement and monthly aggregate accommodation
  • Alternative funding arrangements available
  • Cash-flow alternatives
  • No new lasers at renewal
  • Competitive rates and commissions

Enhanced Service and Accessibility Make it Easy for Brokers and TPAs to do Business With Us.

  • Quote turnaround time in five business days or less
  • National network of R.E. Moulton offices ensures quality, localized service
  • Experienced stop loss underwriters
  • InterAct: R.E. Moulton's Risk Management Program
  • Employee Assistance Program (EAP)

When you do business with R.E. Moulton, you also benefit from our full range of in-house services, including underwriting, claims administration and adjudication, and policy and commission administration. We also have earned a reputation for rewarding our brokers and TPAs with competitive commissions, over-ride programs and many other incentives.

To learn more about R.E. Moulton and our Employer Stop Loss capabilities, contact our Marblehead, MA, headquarters at (781) 631-1325 or the R.E. Moulton regional office nearest you.