STOP LOSS
Financial protection for your self-funded plan with shared risk and stronger results
Homestead’s integrated Stop Loss goes beyond protection. By sharing 50% of the risk, we stay directly invested in the performance of your plan and the results it delivers. It’s a model built on alignment and accountability, reinforcing our commitment to plan performance and long-term savings.
Advantages of Integrated RBP and Stop Loss
Operational alignment
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Integrated claims management
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Flexible plan design options
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Enhanced analytics and reporting
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Aligned plan documents and stop loss policy
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Faster resolution of balance bills and potential litigation
Financial predictability
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Any unused claim funding is returned at 100%
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More predictable financial results through caps on maximum loss, supporting planning and stability
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Lower risk management costs, which can reduce premiums tied to reinsurance, claim handling, and administration
Proof you can measure
Homestead clients consistently outperform stop loss underwriting assumptions, delivering meaningful savings while maintaining quality care. In their first year with Homestead:
77%
of claims come in below Stop Loss projections, showing performance that supports predictability
12%
Actual claims averaged 12% below projections
FAQs
Frequently asked questions
Is your Stop-Loss coverage available as a stand-alone product, or only with the Claim Watcher plan?
Our Stop-Loss can be offered either integrated with the Claim Watcher plan for maximum alignment and savings, or as a stand-alone option for groups that want Homestead’s risk protection while using another TPA or plan design.
How does integrated Stop-Loss improve performance compared to traditional carriers?
Integrated Stop-Loss aligns incentives across repricing, claims administration, and risk management. With unified data and real-time insight into high-cost claims, employers often see more accurate projections, stronger savings, and faster reimbursement.
Have more questions?
See what aligned stop loss could look like for your group.
Get a customized savings analysis or request a quote to uncover exactly how much more you could be saving.