Claim Success Stories – Refund for Unnecessary Treatment
At USBenefits, we believe the goal of cost containment is to ensure the Plan is not paying for any services that are excluded according to the Plan document. This means not only looking for billing errors, but also treatment misadventures that could cost the Plan tens...
How do you compare Stop-Loss Carriers/MGUs?
What’s the most important aspect of shopping for stop-loss insurance? The first response is usually the lowest price, and maybe a distant second is name recognition. However, you rarely hear claim handling even being mentioned. So why is that? Probably because no one...
What Should Self-Insured Plans do to Prepare for a Possible Recession?
With inflation at 40-year highs for almost a year now, and the Federal Reserve raising interest rates to combat inflation, there are predictions of a recession in 2023/2024. What can a Self-Insured Plan do to keep medical costs down to retain employees during the...
Supporting the Best Interest of the Employer: How Stop-Loss Providers can Help TPAs
In a recent discussion with employers, most knew they had Stop-Loss coverage for their self-funded medical plan. They further understood that it’s protection from a large loss. However, there was some confusion as to the role and relationship between the Claims...
Underwriting and Sales are Motivated Differently to Write the Same Account
A natural and healthy conflict exists between underwriting and sales. It’s easier to manage when the underwriting and sales (producers) are separate entities. However, many stop-loss carriers/MGUs (carriers) compensate their sales (marketing) staff in a similar...Latest News
Medical Stop-Loss Brochure
