Stop Loss Insurance With Certainty

Reduce premiums and improve medical loss ratios

Valenz Stop Loss provides certainty of stop loss protection to self-funded employee benefit plans of 11 or more lives. As a fully integrated Valenz solution, we engage early to mitigate fiduciary risk by aligning our stop loss insurance underwriting with the summary plan description. Utilizing enhanced analytics to assess financial risk and pinpoint solutions for cost containment, we make sure plan sponsors realize meaningful savings and position themselves to predict costs year after year.

With policies designed to protect against any single large claim or an unusual accumulation of smaller claims, our solution streamlines your administration, delivers premium savings from fully integrated cost-containment solutions, and engages early and often with transparent underwriting to ensure you understand your best opportunities for stop loss protection.

Transparent Underwriting

Understand the impact of cost-containment opportunities

50% Premium Reduction

Realize savings with fully integrated solutions from Valenz Health

Streamline Your Administration

Leverage our deep expertise in stop loss underwriting

What We Offer

Stop Loss Insurance Underwriting Services

Plan Design and Risk Analysis: With more than 350 years of combined experience in the stop loss industry, our team has deep experience in analyzing risk and transparently structuring stop loss coverage for the most unique and challenging applications.
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.
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.
“No-Laser” Contract Option: At renewal, we guarantee not to raise the specific deductible relative to an individual who may be experiencing ongoing claims. Additionally, the terms for the renewal will not represent a premium increase which includes the entire expected cost of a known future excess claim.

Claims Procedures

Advance Reimbursement of Specific Excess Claims: The stop loss policy allows for immediate advance reimbursement of excess claim amounts once the specific retention has been funded by the employer.
Extraordinary Claims Service: Excess claims are routinely processed and paid within 10 working days from receipt of a complete claim submission.
Rapid Response Monthly Aggregate Accommodation: We offer monthly aggregate accommodation at any point during the month and with year-end reconciliation.
ACH Claims Payment: Claims payment via ACH transfer is available at no charge.

Our Products

Traditional Specific and Aggregate Stop Loss

From specific stop loss to aggregate stop loss policies, we offer stop loss insurance for groups of all sizes and risk characteristics.

Stop Loss for Plans with International Exposure

Underwriting coverage for U.S.-based companies with employees who live or travel extensively outside the country and may need to access care internationally.

Stop Loss for Mission Organizations

We have a long tradition of tailoring our stop loss insurance to meet the needs of self-funded mission-centered groups, churches and other religious organizations.

Transitional Stop Loss

Designed to make the first step into self-funding easy, our transitional stop loss product is an aggregate-only coverage for employers of 11-100 lives that is structured to cap employer cash flow liability to a fixed, budgeted monthly amount.

Rapid Response Aggregate Accommodation℠

Our approach allows the plan to 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.

Carriers and Ratings

SiriusPoint America Insurance Company: Rated A- (Excellent) by A.M. Best
Gerber Life Insurance Company: Rated A (Excellent) by A.M. Best

White Paper

The Future of Medical Stop Loss Underwriting

A Roundtable Discussion

The Valenz V-Rated Solution identifies the risks affecting the plan and aligns them with the summary plan description and cost containment solutions. Ultimately, V-Rated leverages alignment, balance and transparency to bring back fiduciary responsibility while allowing an appropriate stop loss rating.

See the results of a roundtable conversation among executive team members at Valenz and Certus Management Group regarding stop loss as the foundation of building a self-funded plan.

See discussion highlights