Insurance Offerings
Employer Stop Loss Solutions
Data-Driven Risk Protection for Self-Funded Employer Health Plans
Employer Stop Loss (ESL) coverage protects employers with self-funded health plans from catastrophic and frequent claim scenarios that can affect the company’s balance sheet. Coverage is customized to the employer’s risk tolerance and the coverage requirements of its health plan.
Why Coverys?
Coverys is a proven insurance leader in providing specialized coverage in the healthcare marketplace for over 45 years. Coverys is a direct writer, with a seasoned ESL team well-versed in the marketplace, self-funded employer groups, and ESL programs.Positively Impact Your Plan’s Performance
Benefit from industry-leading claims analytics, data intelligence, and risk mitigation resources that help covered employees gain quality care while lowering costs.Options to Best Support Your Plan
Choose your deductible level, benefit period, and covered benefits.Flexibility to Customize
Customize your plan to mirror your corporate culture, number of employees, risk tolerance, and financial goals.Fast and Responsive Claims Service
Count on our fast and responsive claims service, including electronic claims submission and reimbursement.Access to Our Proprietary Data and Insights Platform
Members can choose “best value” providers with high-quality outcomes and lower expense of service in their specific geographic area.
Key Coverage Highlights
Our comprehensive risk protection helps address your unique challenges and needs.
Types of Coverage
Specific only, Specific and AggregateContract Periods
Contracts can vary from six months incurred and paid, to 18 months incurred and paid in the first year. A three-month terminal liability option can be available on all new and renewal contracts.Policy Options
Aggregating Specific Deductible, Early lock-in, terminal liability (specific and aggregate), monthly.Aggregate Accommodation, No new lasers, reference-based pricing, simultaneous specific funding, experimental Rx coverage.
Coverage Maximum
Specific: Unlimited. Aggregate: $2M.For Agents and Brokers:
Medical Stop Loss Disclosure FormEmployer Stop Loss Quoting Checklist
Fast Facts
Get More Information
Coverage varies by state. Contact a Coverys agent or broker regarding specific coverages and pricing.
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