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Stop Loss: The Core of our Portfolio
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Stop-loss products are at the core of Alliance Underwriters’ diverse portfolio, helping you address the medical portion of
your clients’ overall benefits and compensation package.
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"A+ Rated Carrier.
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Specific and aggregate stop-loss products.
Products Options
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Specific and Aggregate Excess Loss Products…Or Specific Only.
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Up to $5 million maximum for specific excess
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Monthly aggregate accommodation.
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Aggregating specific deductible.
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Adjustable aggregate.
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Specific retro.
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Incurred contracts.
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Commission incentive program.
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Advance funding program.
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Aggregate terminal liability.
Underwriting Guidelines Overview
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Minimum Specific Deductible: $15,000
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Minimum number of covered lives: 75.
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Approved vendor for utilization review and case management required on all written business.
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Self-funded accounts and accounts with more than 150 lives require two years of claims experience, shock-loss information
and enrollment - three years when possible.
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Maximum Contract Period: 12 months
Guidelines and Requirements The following information is required by
Underwriting to prepare Stop Loss Proposals:
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Detailed Census: Including male/female, age or date of birth, single/family. Age-banded census is acceptable.
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Shock Claims: Details including prognosis, diagnosis, total claims paid, and dates of service - This must be
provided for all claimants in excess of 50% of the specific deductible or $30,000 whichever is lower.
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If Aggregate is Requested: Monthly claims experience and average enrollment for the past three years if possible -
We MUST have experience for the current policy period if the group is over 150 lives. .
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Benefits: Description of current benefit plan as well as the requested plan if there are possible changes - The
name of any PPO networks which may be utilized
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Location: A zip code for all locations - number of employees at each location
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Industry: Detailed description of nature of business
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Rates: Current and renewal rates
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