Self-Funding & Stop Loss

   Reduced risk...realizable rewards

In today’s Healthcare climate with ever-increasing regulation, there are many advantages to being self-funded for an employer.  In particular, being self-funded allows an employer greater control over costs, plan utilization, structure and ongoing management.  Alliance Insurance Group can help employers determine if being self-funded is advantageous for your organization by conducting a thorough analysis of your historical health plan data.  For those employers that are self-funded currently, or are considering self-funding, Stop Loss Reinsurance is an important piece of risk management.


Stop Loss Reinsurance mitigates the threat of high-dollar large claims.  Our team of Benefit Consultants are well versed on the various types of Stop Loss product, and which strategies work best in specific circumstances. We will analyze your claims data and work with you and your team to determine the appropriate level of risk for your organization, as well as manage how and where any excess risk above your level should be allocated. Pricing/cost is generally the biggest factor in purchasing Stop Loss protection; however, other factors should also be considered such as...the deductible structure, a carrier's reputation, claims paying ability and history, etc.



We are experienced in providing traditional methods of Stop Loss, in addition to more advanced and progressive types of policies. 


Our experience includes but is not limited to:


  ♦ Specific Coverage ♦ Split Level Reimbursements  
  ♦ Aggregate Coverage ♦ Experience Reward Features  
  ♦ Aggregating Specific Corridor ♦ Stop Loss Captive  


To be directed to a Benefits Consultant that can explore your company’s compatibility with this routinely rewardable risk mitigation strategy, give us a call.