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Through Strategic Benefit Resources’ self-funded health plan expertise, industry knowledge, and underwriting acumen, SBR understands the “eco-system” of a self-funded health plan and the risks that come with it. We use our experience and expertise to manage the entire stop-loss marketing process from submission, to negotiating stop-loss insurance terms and pricing to policy placement.
Negotiations are not specific to rate alone. We work with industry leading carriers to analyze their contracts, their value added services and their pricing terms to deliver a stop-loss policy that meets the specific needs of your client. Our stop-loss marketing process includes:
Initiate the stop-loss marketing process at optimal the time to secure early lock-in of risk.
Obtain proposals from “A” rated carrier partners.
Our request for proposal is unique to each client, focusing on current contract and benefit details and specific client situations.
Our negotiations are not specific to rate alone. We custom tailor optimal stop-loss insurance or captive solutions that are closely integrated with the overall self-funded health plan strategy.
We review plan document language and stop-loss contracts to ensure no gaps in coverage.
We manage the disclosure process from initial claim review to potential laser mitigation.
Utilizing both proprietary (SL Advisor 3.0) and non-proprietary (Claros) stop-loss optimization and risk decision support tools, we can assist you and your client in better understand the risk of a self-funded health plan, the optimal risk transfer solutions, and validate the cost of the risk transfer solutions to ensure your clients are appropriately managing the self-funded health plan risks.
