Products and Services
Specific and Aggregate Coverage
Self-funding allows employers to take control of the largest line item in their operating budget—healthcare.
Self-funding remains an employer’s best means of offering quality health care and comprehensive benefit strategies to its employees, while still allowing for critical oversight of plan assets, data, design, and cost management programs.
Despite the rewards of self-funding there remain risks: the likely potential of catastrophic medical claims or unexpected spikes in utilization can sink the healthcare budget. Purchasing specific stop loss coverage for individual catastrophic situations, and aggregate stop loss to limit overall plan exposure is a proven and cost effective tool to guard against those risks. Coverage is available down to 50 employee lives with deductibles as low as $10,000 (or state specific).
