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Employer stop loss

Cutting-edge solutions for self-insured employers

Carbon Stop Loss Solutions is the leader in the self-funded medical insurance industry. Our team has 30+ years of experience working with health and benefit brokers/consultants, third-party administrators and self-insured employer groups to manage financial risks with unmatched, curated underwriting solutions.

Employer stop loss insurance services

Our innovative medical stop loss solutions are available for employers across the U.S. of all sizes in nearly any industry. We develop creative, custom solutions — matched with one of our world-class carriers — to protect plan assets.

Traditional self-funded stop loss

Flexible plan designs, access to plan information and lower claim costs lead to expense reductions for employers

Level funded stop loss

The cost-saving benefits and flexibility of self-funding with the funding benefits of fully insured plans. Employer funds maximum fixed premium and maximum aggregate funds each month with all surplus aggregate funds returned to employer at end of policy period

Group captives support

Pooling exposure with many other mid-sized companies help employers to minimize risk

Reference-based pricing

Medicare based reimbursements leading to significant reduction in claims cost

Program highlights

  • Custom underwriting solutions designed by experts with decades of industry experience
  • Seasoned clinical team of nurses with extensive experience providing consultative risk analysis
  • Panel of A to A++ rated carriers
  • Sophisticated pricing tools and data insights, including AI-powered risk assessment
  • In-house underwriting, binding authority, policy issuance, claims administration and finance administration
  • Dedicated claims team for timely administration and reimbursement

Cost containment

Our value-based cost containment services, provided by a team of clinical and medical management specialists, address high-risk cases and significantly improve financial outcomes.

Carbon Stop Loss Solutions services are provided by IOA Re, LLC (NPN #2006648) and Sequoia Reinsurance Services, LLC (NPN #18853752). Rockport Benefits operates as a division of IOA Re, LLC.

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