Reduce Premiums and Improve Medical Loss Ratios with Smarter Stop Loss Design
Integrated Risk Protection for Self-Funded Healthcare Plans
Optimizing Stop Loss Underwriting
Realize Meaningful Savings and Predict Costs Year After Year
Traditional stop loss solutions often lack transparency, leaving employers in the dark on underwriting decisions and cost drivers while simultaneously forcing them to juggle fragmented vendor relationships, delayed reimbursements, and other challenges.
Vālenz Health® lifts that burden with Valenz Stop Loss.
We provide certainty of stop loss protection to self-funded employee benefit plans of 11 or more lives, engaging early to mitigate fiduciary risk by aligning our stop loss insurance underwriting with the summary plan description.
Through enhanced analytics that assess financial risk and pinpoint solutions for cost containment, we ensure that plan sponsors realize meaningful savings and position themselves to predict costs year after year.
Protecting Self-Funded Employers Against High-Cost Claims
Achieve Premium Savings with Stop Loss Solutions
Leverage our deep expertise in stop loss underwriting to ensure stability and increase savings as we fully support you with stop loss protection you can count on.
With policies designed to protect against any single large claim or an unusual accumulation of smaller claims, the Valenz Stop Loss solution engages early and often with transparent underwriting to help you:
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Streamline your administration
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Achieve premium savings from fully integrated cost-containment solutions
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Understand your best opportunities for stop loss protection
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Prevent delayed reimbursements
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Make self-funding more accessible by covering plans with as few as 11 lives
Creating Plan Stability and Increased Cost Predictability
Stop Loss Insurance Underwriting Services
Eliminate inefficiencies and control costs effectively with stop loss underwriting services from Valenz.
Plan Design and Risk Analysis
Our team has deep experience in analyzing risk and transparently structuring stop loss coverage for the most unique and challenging applications.
The “Firm Renewal”
We commit to providing our clients with a firm renewal offer based on experience information that is complete through the 10th month of the current policy period.
Stop Loss Underwriting for Groups of All Sizes
We underwrite coverage for plans of 11 participating employees and larger, and with specific retention levels from $10,000 and up.
“No-Laser” Contract Option
Enjoy greater financial predictability with our No-Laser contract option. At renewal, we won’t raise the specific deductible for members with ongoing claims, and your premium won’t be inflated to cover the full expected cost of a known high-dollar claim—helping you manage risk without surprises.
What We Offer
Access stop loss insurance for groups of all sizes and risk characteristics, from specific stop loss to aggregate stop loss policies.
Discover underwriting coverage for U.S.-based companies with employees who live or travel extensively outside the country and may need to access care internationally.
Meet the needs of self-funded mission-centered groups, churches, and other religious organizations with tailored stop loss insurance.
Make the first step into self-funding easy with an aggregate-only coverage for employers of 11–100 lives, structured to cap employer cash flow liability to a fixed, budgeted monthly amount.
File an accommodation request at any point during the month in which the cumulative paid claims exceed the cumulative aggregate liability. With a guaranteed rapid response to all requests, the eligible accommodation payment is typically sent via ACH within 72 hours of receipt of the completed request.
All Your Health Insurance Solutions on One Platform
Explore the Vālenz Health® Integrated Platform for Simplified Healthcare
Seamlessly unite member experience, payment integrity, provider quality, and plan performance with our integrated platform. Discover how we optimize the utilization of high-value healthcare across the entire member journey.
Ready to Simplify Self-Insurance?
Your Journey Starts Here
Connect with a Valenz team member to explore the difference our solutions can make for you.
Support for Current Stop Loss Clients