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.
Eliminate those problems — and get smarter coverage for your plan — with Valenz Stop Loss solutions.
We provide certainty of stop loss protection to self-funded employee benefit plans of 11 or more lives, mitigating 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
With policies designed to protect against any single large claim or an unusual accumulation of smaller claims, the Valenz Stop Loss solution offers transparent underwriting to help you:
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Streamline your administration
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Achieve premium savings from connected 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
Greater Savings, Efficiency, and Experiences
Valenz Stop Loss Case Studies
The Power of Integrated Stop Loss Solutions: $20K in Projected Savings
A TPA representing a 125-life group approached Valenz for a stop loss quote that would reduce expenses for the plan payer. With our data-driven underwriting, Valenz designed a policy that would save the organization $20,000 a year in premiums by incorporating additional cost-containment solutions.
Support for Current Stop Loss Clients
Access Your Valenz Stop Loss Forms
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.
Your Frequently Asked Questions, Answered
Stop Loss FAQs
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.