A contract provision that reduces premiums to reduce the employer’s risk on the individual stop-loss policy. Read More

The monthly amount per employee that defines your claims liability. Read More

The area of risk above expected claims. Read More

An employer can choose to offer individuals a choice between two or more plans. Read More

A list of your employees provided by an insurer. Read More

Underwriting that factors in your previous year’s claims to predict next year's. Read More

An estimator tool allowing members to accurately estimate see a cost breakdown. Read More

HealthEZ’s payment platform that allows members to easily see, manage, and pay health plan bills. Read More

Any fees that are paid based on your plan enrollment. Read More

Level-funded plans offer the potential savings of self-funded plans with reduced risk, lower cost, and a surplus refund. Read More

A minimum attachment provision allows you to work with your insurer to control costs and risk against headcount decreases. Read More

Self-funding that provides stop-loss coverage for any claims paid during the year that occur in the lifetime of the policy. Read More

Per Employee Per Year Read More

The 12-month period during which participants’ deductible and coinsurance accumulate until reaching out-of-pocket max. Read More

A method for pricing medical claims based on a benchmark or reference price Read More

Self-funded health care is when the employer, not insurance company, pays for employee claims rather than paying a premium. Read More

Stop loss insurance protects against unpredictable or catastrophic losses for companies that self-fund their health plans Read More

A Third Party Administrator (TPA) provides administrative services for self-funded or level-funded health plans. Read More

A review process to ensure members with chronic medical cases are most efficiently and appropriately using their health benefits. Read More