Stop Loss:

Limiting Exposure to Catastrophic Claims



Simply stated, insurance is a promise ~ a promise between policyholders and their insurance carrier.  In these uncertain times, be sure that your insurance carrier is prepared and willing to honor its commitments. 


Stop loss insurance is not a commodity.  It is vital protection for sponsors of self-funded medical plans against catastrophic or unexpected claims.  The cost of stop loss policies is often less than 5% of overall plan expenses, yet coverage options and carrier resources vary widely. 


Self-funding is a model that offers many advantages to employers.  Selecting the right stop loss partner is an important key to ensuring that your plan operates smoothly and cost effectively.  We value long-term relationships and we work to collaboratively price each opportunity according to unique risk characteristics.




Why Stop Loss with NorthStar ?


Rock-solid, financially secure insurers & reinsurers;

Direct access to underwriters with decision-making authority;

Collaborative risk selection and transparent pricing.


Program Highlights

· Target market is groups with from 100 to 1,000 employees

· Available to for-profit and not-for-profit businesses

· An affordable solution ~ often less than 5% of overall plan expenses

· Specific and aggregate coverage programs are available

· Flexibility in working with the TPAs & PPOs/Networks of your choice

· Comparatively few excluded industries


Product Description

· Offered to employer groups, both for-profit and not-for-profit businesses

· Specific & aggregate coverage available

· Comparatively few excluded industries

· As state benefit mandates do not apply to self-funded plans ~ coverage is bespoke

· Our “best in market” approach allows us to work with a variety of TPAs & Provider Networks


Program Specifics

· Specific program per person excess maximum limit: $5 million [+ Layer(s)]

· Specific program per person minimum deductible: usually $15,000

· Aggregate program group minimum attachment point: generally 120% of expected claims


Approved in All States / All Jurisdictions