Stop Loss Insurance

Health plan self-funding is utilized by many employers in the US as an effective approach to gain greater flexibility in benefit design and control over their health plan costs. In order to help secure financial protection against catastrophic claims, many self-funded employers purchase medical stop loss insurance.

Because stop loss insurance is custom to your medical plan, it’s important to partner with a trusted advisor to ensure you are insuring the right amount of risk. American Fidelity’s experienced stop loss team is here to help.

Features

We can tailor a stop loss insurance solution to your needs and preferences. Features include:

  • Consultative underwriting and marketing services
  • Aggregate only programs with flexible attachment points
  • Support for health plan requirements under The Patient Protection and Affordable Care Act (ACA) legislation
  • Up to unlimited lifetime maximums available for specific coverage
  • Risk management oversight programs

Our Stop Loss Difference

By selecting American Fidelity as your underwriting partner, you will gain access to our experienced stop loss team that provides a superb level of responsiveness. Strong support of our production relationships and direct access to decisive senior leadership has helped us consistently grow and meet our clients’ business objectives.

Marketing Experience

118

Years of Combined Consultative Marketing Experience

Underwriting Experience

113

Years of Combined Underwriting Experience

Risk Management Experience

119

Years of Combined Risk Management Experience

Underwriting Experience and Expertise

American Fidelity’s underwriting model is based on a foundation of experienced, empowered team members paired with intelligent software, and a culture of crafting custom solutions for clients.

Our underwriting staff is educated in managed care principles, including network assessments and plan design techniques to help employers control their healthcare costs while securing highly competitive stop loss pricing.  Additionally, our underwriting software includes sophisticated management tools used to track quotes, claims, and policy statistics for our valued customers.

Claims, administration, account and risk management are all deliberately woven into the underwriting process—with the goal of delivering superior service and results for all parties involved.

Knowledgeable, Proactive Approach

Our underwriting staff is not afraid to seek advice on difficult risks. We advocate a strict referral system that gets the most difficult cases into the hands of the most experienced decision makers. We work with medical professionals to:

  • Provide current, critical medical information to help the underwriter consider educated solutions with the risk selection process
  • Support claims reviews
  • Share invaluable cost management ideas
  • Manage risk

Additionally, we proactively monitor and filter key information necessary to bind a risk such as:

  • Signed Application
  • Disclosure Statement (if necessary)
  • Binder Premium

Private, American-Owned Company

Unlike many stop loss carriers in the market, American Fidelity is a private, American-owned accident and health insurance company. We are committed to offering stop loss insurance for the long term, so you can be assured we will be there when you need us. Additionally, American Fidelity has earned an “A+” (Superior)1 rating from the A.M. Best Company since 1982. This rating represents our commitment to reliability and stability.

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