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USBenefits Insurance Services, LLC is a full service Managing General Underwriter. We provide Medical Stop Loss Reinsurance for employer groups through qualified Third Party Administrators and select brokers. USBenefits has complete responsibility for all...
USBenefits Celebrates 15 Years of Stop-Loss Services
As USBenefits Insurance Services, LLC (USB) embarks on our 15th year, we would like to thank our producers, vendors, team members and other valued partners for our success. We look forward in continuing to provide the “best-in-class” service to produce the best...
Control Your Loss Experience to Lower Your Premiums
All of us have experienced the terms “mitigating” and “managing” used interchangeably with respects to claims. For the purpose of this article and from an insurance perspective, in my opinion, the two have very different meanings. Mitigating applies to before the...
Air Ambulance
There have been many articles written on air ambulance bills recently, and this media spotlight is much needed and overdue. Historically, this service has been an issue, and unfortunately continues to be a problem as the cost for this service continues to soar....
Organ Transplants – An Exposure of Concern?
For those that have experienced an organ transplant either as a patient or loved one, you know firsthand the emotional roller coaster this can be – from the onset of being diagnosed to a recipient. While most patients can be candidates, in some cases difficult medical...
Workers Compensation vs. Health Insurance
By Joseph Dore, President, USBenefits Insurance Services, LLC On occasion, employers and/or employees may be unsure if an injury or illness (injury) can be considered work related.* The short definitions for the two insurance products are: Workers’ compensation...
Is Paying Cash Better Than Using Your Insurance When it Comes to Medical Bills?
With the new Centers for Medicare & Medicaid Services (CMS) Hospital Price Transparency rule, there has been some research that indicates the cash price may be lower than the commercial insurance negotiated price. Is this accurate? How does this impact...
Commentary: No Surprises Act
USBenefits Insurance Services (USB) was recently asked if, and how, the No Surprises Act (NSA) impacts stop-loss coverage. It is our assessment that the responsibility of managing claims in accordance with the NSA falls upon the employer’s Third-Party Administrator...
Stop Loss 101
According to the Peter G. Peterson Foundation, the U.S. has one of the highest costs of healthcare in the world. In 2018, the United States spent about $3.6 trillion on healthcare, which averages to about $11,000 per person. An article by Health System Tracker echoed...
Why Choose Self-Funding?
USBenefits believes in the importance of self-funding. We’ve built our reputation around this belief, and we strive to support our self-funded partners and their financial goals. According to the Kaiser Family Foundation’s 2020 Employer Health Benefits Survey, 67% of...
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