Medical stop loss is a financial risk management tool solely for the plan sponsor's benefit. Its unique dynamics require a thoughtful approach. However, for many plan sponsors (and their advisors) it's often overlooked or misunderstood.

At Aegis Risk, stop loss is our focus - throughout the plan year. To help our clients and partners navigate its complexities, we provide:

• Brokerage of stop loss coverage. We obtain competitive coverage quotations from our various carrier partners and summarize the results in a clear and concise manner.
• Year-round claims monitoring and reimbursement filing. We don't end upon placement of coverage. We provide monitoring of high claimants and file all reimbursements directly with the carrier. Our setup removes any concerns about placing stop loss outside of your health plan or TPA.
• Self-funded medical plan rate development. As needed, Aegis Risk can  develop annual medical plan rate and budget projections - a key task for any self-funded plan sponsor.

Our expertise is evident in several ways:

• We are familiar with stop loss claims dynamics, including claim frequencies and severities, as well as optimal deductible levels.
• We ensure seamless coverage - we know not to replace a 12/12 contract with another 12/12.
• We seek optimal disclosure dates to 'firm' your proposal as soon as possible. We always indicates its forthcoming need (if any).
• We seek laser-free renewals and proposals. Lasers, if offered, are always sought as an option.
• We review stop loss contracts for potential coverage gaps with your medical plan.
• We explain the difference in underwriters and always seeks the appropriate type for our clients.

We partner with employers directly, as well as brokers and consultants who recognize the value in our specialized expertise.

Contact us today to discuss our approach, market observations, and to obtain a No-Commitment review of your coverage.