Employer Stop-Loss
The critical components of a successful self-funded medical plan are ensuring funding rates are adequate, developing the appropriate plan design/incentives, controlling claims costs and managing the financial risk via a carefully structured stop-loss insurance program. As the largest, most experienced broker/consultant in the managed care stop-loss business, Dubraski & Associates offers unmatched expertise and leverage in the insurance marketplace when structuring protection for self-insured medical programs. The typical solutions of the past are insufficient in today’s challenging health care environment.
Before we request proposals from the marketplace for your risk, we thoroughly analyze your contracts, claims history and financial exposure. We then use this information to develop a program that meets your specific needs and tolerance for risk. If more in-depth analysis or complex solutions are required, we will work with a qualified actuary based on your preference. We have the experience and expertise to develop solutions that minimize risk and ensure predictability. We also have access to all of the major insurers and reinsurance companies that specialize in these product lines.