We understand how network and provider contracts shape claims. That knowledge goes straight into how we price and structure coverage for your groups.
We learn each TPA's cost containment strategy, then reflect the results in the rates. Programs that control claims are rewarded for it.
Predictable monthly payments with the upside of self-funding. We rate level-funded stop-loss alongside traditional stop-loss, so you can compare both for the same group.
Our founders brought self-funding to the Federal contracting marketplace more than 35 years ago and built a TPA that became a leader in that space. We add technical risk expertise to that history and apply it across medical stop-loss for employers of all kinds.
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Government contractors remain a core market. Government contracts account for 3.7 million employees in the United States, including mail haulers, janitorial, cafeteria, and security personnel. We know that market well and continue to serve it.
Stonewater doesn't chase volume. We partner with TPAs to build blocks of business together.
When we understand a TPA's cost containment approach, we can develop rate tables for that TPA specifically and price the real risk, not an industry average.
Read about our advantagesClear, consistent underwriting built around each TPA's book of business.
A faster way to get stop-loss quotes for traditional and level-funded plans under 150 employees.
Specific and aggregate coverage for self-funded groups of 25 to 5,000 lives.
Reimbursement handled by people who know the plans they are reviewing.
Email us or call 844-700-3667, Monday to Friday, 8 AM to 5 PM CST.