Protecting Against High-Cost Claims

Self-funded employers assume responsibility for their employees’ healthcare claims. While this approach can create opportunities for savings and plan customization, it also exposes employers to the risk of unexpectedly large claims.

Medical stop loss insurance helps protect employer-sponsored health plans from catastrophic losses by limiting financial exposure and providing reimbursement for claims that exceed predetermined thresholds.

More Control. Less Uncertainty.

A well-designed self-funded health plan gives employers greater visibility into healthcare spending and more flexibility in plan design. Medical stop-loss coverage provides the financial protection needed to manage risk while maintaining control over healthcare benefit decisions.

Benefits may include:

• Greater transparency into healthcare costs
• Flexibility to customize plan design
• Protection from catastrophic claims
• Improved long-term cost management
• More control over healthcare spending

Not all stop-loss providers take the same approach. At USBenefits, we believe successful long-term outcomes are built on disciplined underwriting, transparent pricing, and strong partnerships with brokers and third-party administrators (TPAs). Our goal is to help employers maintain stable, sustainable health plans—not simply provide a quote.

Working Through Your Broker or TPA

Most employers evaluate medical stop loss coverage through a trusted broker, consultant, or TPA. USBenefits works closely with these partners to help employers navigate the self-funded marketplace and identify solutions that align with their goals, risk tolerance, and budget.

Whether you are exploring self-funding for the first time or reviewing your current stop loss strategy, USBenefits is committed to helping support the best possible outcome for the employer.