Employer Stop Loss

IndependenceCare Underwriting Services markets employer medical stop loss products through brokers and third party administrators to self-funded employer groups. These products allow self-insured employers to manage the risk of excessive health insurance exposures by limiting aggregate and specific losses to a predetermined amount.

• Completion of the employer stop loss request for proposal, or a document that provides the information listed on this form.
• Census listing all employees, including date of birth, gender, type of coverage, and zip code.
• Monthly claim listing, including monthly enrollment, for the past two experience periods.
• Shock claim listing, including all claimants with charges that exceeded 50 percent of the specific deductible for the past two experience periods. The claim listing must include an identifier, diagnosis, prognosis, amount of claims incurred, and whether current or future treatments or surgeries are planned.
• Current and proposed plan of benefits.

• Conversion coverage
• Group life insurance coverage

IndependenceCare Underwriting Services also offers unique additional resources and products that may significantly reduce the net insurance cost of our employer stop loss clients.