With high-cost claims on the rise, 74% of self-funded employers protect themselves with stop-loss coverage.¹ What’s equally vital to an effective health and benefits program? Care guidance to help employers use benefits most productively. We offer both.
With costly healthcare claims becoming more frequent, stop-loss coverage is vital to shield self-funded employers from large medical and pharmacy claims in any given year. Our comprehensive approach can help you with the right care and claims management strategy:
Between 2016 and 2019, individuals with annual claims above $3.0 million doubled2
Average return on every dollar spent by Mercer’s care management solution clients3
Managing high-cost claims is risky business with far-reaching financial ramifications. Your organization needs serious expertise to help manage healthcare expenses and avoid unnecessary costs. Mercer can assist you with:
We place more stop-loss coverage than any other firm in the U.S. -- rely on our experience and trust to bring you the best policy options. Our tenured clinicians assess more than 90 companies each year. Medical professionals in a range of clinical specialties coordinate with financial & audit experts to help deliver appropriate care.
Our Stop-Loss Coalition leads the industry. Our profit-sharing provisions have resulted in more than $23 million in premiums refunded to clients since 2009.
Our dedicated internal stop-loss team centralizes coverage planning. With our unparalleled expertise in the stop-loss market, we provide the industry’s most comprehensive and competitive risk management arrangements.
Whether adding stop loss to an existing captive or pooling risk among multiple entities, Mercer’s Center of Excellence has the actuarial and captive experience necessary to support you in the process.
1 Mercer’s National Survey of Employer-Sponsored Health Plans
2 2018 Sun Life Stop-Loss Research Report
3 Results may vary
Find out how Mercer’s care and claims management solutions can keep your employee health and benefits program moving forward.