Medical Stop-Loss

Home / Solutions / Medical Stop-Loss
We create accident and health insurance packages for self-insured clients to drive down costs, help protect businesses, and help build profitable relationships.

Partnership is everything

In today’s medical benefits environment, producers and their clients need a stop-loss insurance partner that’s experienced, thorough, flexible, and creative. Skyward Specialty is all of the above. We help you offer coverage to protect all manner of businesses with self-insured plans. Our packages are custom-built to mirror the provisions in the employer’s underlying plan. With Skyward Specialty, you’re never getting one-size-fits-all. We create coverage tightly around the insured’s parameters, no fluff. This lowers costs and helps bring value to the relationship.

Looking out for you and your clients

When you partner with Skyward Specialty, you’re also getting a steadfast advocate. We’ve been around the medical benefits block a few million times and we know when it’s appropriate to push back on provider charges. We’ll fight for what’s right on behalf of the employer, making relationships ever stronger.

Did you know? With SkyVantageTM, our predictive analytics process, integrates artificial intelligence, our stop-loss division experts are equipped to evaluate group health risk at a deeper level. Powered by Gradient AI’s vast medical dataset and machine learning, we offer highly customized and cost-effective solutions for the self-insured markets.

Our Coverages

  • We offer complete range of packages to help protect self-insured employers with medical stop-loss.
  • Target organizations with less than 2,500 employees
  • Small to medium-sized enterprise
  • Admitted
  • Distributed through retail brokers and third-party administrative (TPA) partners
  • Superior claims oversight combined with partnerships with select TPA
  • Standard 12-month contract terms including incurred and paid as well as run-in and run-out contracts
  • Aggregate Coverage
  • Reference Based Pricing
  • Gapless 12/15 renewal option
  • Aggregate Benefit Maximums up to $2M
  • Unlimited Specific Maximums
  • Short Contracts for as few as 6 months; Long Contracts for as many as 15 months
  • Specific Coverage (individual coverage)
  • Specific deductibles starting at $7,500
  • Coverage for groups with as few as 10 participants
  • Captive arrangements for select partners
  • MEWA stop-loss available in states that certify MEWAs to self-fund
  • Specific Advancement included with all Policies
  • Terminal Liability Options for both Specific and Aggregate
  • Aggregating Specific Deductibles in exchange for reduced Specific premiums
  • Deferred Aggregating Specific Deductibles available for select groups
  • Early Lock-In available for select groups
  • No New Laser Options available for select groups
Talk To Us About Anything

Talk to us
about anything