Saving Stop-Loss: Protecting a Key Self-Funding Ingredient in a Hostile World
Tuesday, January 19th, 2016
1:00 PM (EST) to 2:00 PM
Stop-loss insurance is one of the – if not the – most important piece of the self-funded puzzle. Attempting to predict how stop-loss will react is what every plan contemplates when examining claims; every administrator asks the same question, “Will stop-loss reimburse the claim, if we pay it?” Stop-loss is vital to self-funding – because catastrophic claims can bankrupt an employer in the blink of an eye. This dependency on stop-loss has led to our present situation; self-funded plans look to stop-loss to instruct them regarding payments, and those who seek to harm the self-funded industry do so by attacking stop-loss. Forces – both internal and external – conspire against stop-loss carriers. From regulators seeking to eliminate self-funding, to carriers that have taken a more heavy handed approach to cost containment; ensuring that stop-loss continues to exist and thrive, while working harmoniously with the plans they protect, is the difference between comfortably self-funding and being forced into the fully-insured market.
Join The Phia Group’s legal team on Tuesday, January 19, 2016 from 1:00 PM to 2:00 PM (EST) as they provide first-hand insight into our reliance upon stop-loss, as well as threats to that industry, including what carriers need to worry about in 2016 and what to look for – and look out for – regarding stop-loss options.
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