MEDICAL STOP LOSS
EBU’s innovative underwriting solutions have become a familiar trademark of the professionals at Employer Benefit Underwriters, Inc. Through proper risk analysis and flexible underwriting authority, EBU will assist you in exceeding your clients’ expectations. As a Managing General Underwriter for leading reinsurance intermediaries, EBU is uniquely structured to offer product alternatives and carrier security which are critical in today’s marketplace.
Underwriting Guidelines
EBU, Inc., is pleased to be able to provide you quotes for Medical Stop-Loss. Whether your client is currently Self-Funding or transitioning from Fully-Insured to Self-Funding, we have options to serve you. Each group is unique, should your groups fall outside the parameters of our guidelines, it would be our pleasure to see if we can obtain carrier approval to serve your needs.
Underwriting Guidelines |
Fidelity Security Life Insurance Company |
---|---|
Minimum Group Size *subject to required state minimum |
26 employees |
Minimum Specific Deductible | $20K |
States Available | All States |
Aggregating Specific Deductible (option available) |
Yes |
Specific Advance Funding (option available) |
Yes |
Monthly Aggregate Accommodation (option available) |
Yes |
Aggregate Terminal Liability (option available) |
Yes |
Minimum % Participation | 70% |
Reference Based Pricing | Yes |
Level Funded Option | No |

Reference Based Pricing
Reference Based Pricing (RBP) is the art of replacing PPO networks with reimbursements tied to a percentage plus of Medicare allowable rates. This model is an option for self-funded employers seeking to limit costs by providing a fixed amount for certain healthcare services, usually as a percentage of Medicare. By utilizing Reference Based Pricing to replace the primary PPO network for facility claims, plan sponsors may be able to substantially cut spending.Reference Based Pricing
Illustrative Client Profile: self-funded, multi-state group with 220 employees
Annual Savings: 32% on Claims and 27% on Medical Stop Loss
