It’s a Risk. Not a Benefit. Be Advised.
Services and Expertise
Specialized Focus on Medical Stop Loss
Medical stop loss is a financial risk management tool—designed exclusively to protect self-funded plan sponsors. Yet its complexity often leads to it being misunderstood or mishandled – by plan sponsors and their advisors alike. That’s where we come in.
At Aegis Risk, stop loss isn’t just something we do—it’s all we do. We support our clients and partners throughout the plan year with expert guidance, strategic insights, and hands-on service.
What We Do
Stop Loss
Placement
We secure competitive quotes from top national carriers and present results clearly—helping you make confident, informed decisions.
Year-Round Claims Monitoring
Our support doesn’t end at placement. We track high-cost claimants, manage reimbursement filings, and work directly with carriers—ensuring timely reimbursement to the plan sponsor. Our setup removes any concerns about placing stop loss outside of your health plan or TPA.
Internal Risk Pool Structuring
For multi-division employers with varied policies or deductibles, we create a single, efficient risk pool backed by a higher-deductible policy—cutting fixed premiums while maintaining internal cost control, while maintaining comprehensive financial protection for the plan.
Why Work With Aegis Risk?
Our experience shows in the details that matter:
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Smart Deductible Sizing
We analyze claim patterns and premium variation to recommend the most cost-effective deductible level.
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Unmatched Benchmarking
Powered by our annual Medical Stop Loss Premium Survey – the industry standard, we provide insights unmatched by any other firm.
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No Coverage Gaps
We know how to manage contract transitions—avoiding pitfalls like replacing a 12/12 contract with another or ensuring lagged claims are covered.
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Proactive Renewal Timing and Disclosure Strategy
We optimize disclosure timing and always keep you ahead of key dates—no surprises.
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Laser-Free Advocacy
We push for laser-free proposals and avoid carriers that overuse exclusions.
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Comprehensive Contract Review
We flag and address any gaps between your stop loss policy and your medical plan or an alternate stop loss coverage option.
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Tailored Underwriting
We match your needs with the right underwriter—as variation exists.
Who We Work With
We partner directly with employers, as well as with brokers and consultants who value qualified plug-in stop loss expertise.
Let’s Talk