Group Products

As a premier national Stop Loss insurance carrier, Highmark Casualty Insurance Company utilizes our financial security, market knowledge and experience to design innovative and financially attractive Stop Loss programs. Highmark Casualty coverage can be tailored to satisfy the employer’s level of risk tolerance. In addition to Employer Stop Loss, Highmark Casualty Insurance Company offers Provider Excess coverage.

Employer Stop Loss
Through Highmark Casualty Insurance Company, both Specific Stop Loss and Aggregate Stop Loss coverage are offered, as well as a range of deductibles and contractual options. Aggregating-Specific and monthly accommodation options also are available.

With Specific Stop Loss coverage, contracts are offered on an incurred and/or paid basis and tailored to fit the employer's needs. Accommodations can be made for specific deductibles based on the group size and expected claims, depending on state law.

Flexibility and experience are key in writing Aggregate Stop Loss policies. Group policies can be written to include medical, dental and vision expenses, plus prescription drugs or short term disability options.

Other features of Highmark Casualty’s Employer Stop Loss coverage include Aggregating Specific, Specific Terminal Liability and Aggregate Terminal Liability. Aggregating Specific provides a means for employers to reduce their Stop Loss premium by assuming more of the risk. Specific Terminal Liability and Aggregate Terminal Liability coverage are available to extend Stop Loss insurance for an additional three months following the termination of a policy.

Employer Stop Loss Product Features
We are skilled in structuring flexible plan designs through innovative underwriting to help protect employers with self-funded health plans from unexpected or catastrophic health claims.

Types of Coverage

• Specific only
• Specific and Aggregate

Standard Contract Periods

• 12/12, 12/15, 12/18, 12/24, 15/12, 18/12, 24/12

Enrollment Requirements

• 100 life minimum

Specific Maximum

• Up to $5,000,000 per policy period

Specific Deductible

• From $25,000 to $500,000

Aggregate Coverage Maximum

• Up to $2,000,000 per policy period

Features and Options

• Aggregating specific
• Specific terminal liability
• Aggregate terminal liability
• Monthly aggregate accommodation
• Advance funding
• Package discount
• Two-year specific rate guarantee
• Medical, dental, vision, prescription drugs and short term disability coverage (aggregate only)

For information on Provider Excess, please contact your regional sales consultant.