Stop loss insurance

With costly healthcare claims becoming more frequent, stop loss coverage is vital to shield self-funded employers from large medical and pharmacy claims in any given year.
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How stop loss coverage protects you

  • Comprehensive coverage terms
    Negotiated terms including multi-year rate caps and limitations on “lasering” of high-risk claimants year to year by carriers means you have protection beyond just the current policy period.
  • Holistic review
    We take a consultative approach when placing coverage for you. We will review your existing insurance coverage and work to identify gaps in coverage or non-competitive terms and conditions. Then we can help find appropriate coverage through carrier partners to optimize your premium spend and insurance coverage.
  • Clinical and operational performance assessments
    Through necessary due diligence, we can evaluate vendor partner performance and manage high-cost claim irregularities. Our regular third-party assessments provide a foundation for continuous process improvement toward better clinical and financial results.
  • Care management services
    Solutions like Mercer Health Advantage™ deliver high-intensity care management for employees who have serious or chronic conditions and acute health needs. Our holistic approach can improve quality of care and health outcomes, while saving employers $430 annually per employee on average.

Make your stop loss coverage work for you

What if your stop loss coverage actively worked to reduce the risk of high-cost claimants? At Mercer, we’ve been developing new innovations around risk management. Click below to learn more about our latest innovation! (play time < 1 min)

Why choose Mercer for stop loss insurance?

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