Catastrophic Claims Can Arise Without Warning
The Right Stop Loss Coverage Is Essential to Financial Stability for Self-Funded Groups
Medical claims could reach $1.5 million if a liver transplant is complicated by sepsis and renal failure. When the self-funded employer has the right Stop Loss protection in place, focus can remain on achieving business goals and supporting José through his recovery. When you work with the experienced team of Stop Loss experts at HM Insurance Group, you can have confidence that the plan will be protected, and the claims will be paid.
Selecting the Right Stop Loss Carrier
Not all Stop Loss carriers are the same. Expert risk assessment and exceptional service delivery extend a carrier's value far beyond the cost of the coverage. When helping clients to determine the right carrier for their protection, look for these traits:
- Direct writer
- Financially sound
- Stable business model
- Clearly articulated contract
- Tailors plans to the group's needs
- Focuses on cost containment
Product Details
When you choose HM, you're working with a leading national Stop Loss carrier and direct writer that understands the market and delivers the right coverage to your clients. Product details include:
- Contract periods of 12/12, 12/15, 12/18, 12/24, 15/12, 18/12, 24/12
- Specific deductibles from $25,000 to $2,000,000
- Aggregate coverage maximum up to $2,000,000 per policy period
- Generally, no new lasers or increase to existing lasers at renewal
- No signed disclosure form required at renewal
We value relationships and work with integrity to create solutions clients can trust.
