Learn About
Stop-Loss
Protect your plan from the claims you cannot predict
Stop-loss helps protect self-funded employers from high-cost claims. But the right stop-loss strategy should do more than provide a policy. It should help you understand your risk, evaluate your options, and make decisions with better visibility into your plan.
Every structure.
Right sized for your plan.
Apta works across all stop-loss structures and helps you determine which combination fits your risk profile, cash-flow tolerance, and long-term plan strategy. There's no default recommendation. There's only what makes sense for your company.
Specific Stop-loss
Individual claims
Protects the plan against any single member's claims exceeding a set threshold in a given plan year.
Aggregate Stop-loss
Total plan exposure
Sets a ceiling on total plan claims liability in a plan year. Typically set as a percentage of expected claims, aggregate coverage ensures that a bad year doesn't become a catastrophic one.
Captive Arrangements
Group risk pooling
For employers who want to participate in shared risk structures, captives allow groups of like-minded employers to pool stop-loss exposure. Which often leads to improved pricing and terms.
Alternative Risk Solutions
Custom structures
For employers with unique risk profiles, we structure contracts with additional considerations including, run-in and run-out structures, lasering strategies, etc.
