Stonewater.com

STONEWATER Advantages

Stonewater’s greatest advantage over fully-insured is the benefit of a self-funded plan. These benefits include:

Plan design flexibility
Safe harbor
Competitive rates vs fully insured rating
Improved claims reporting/Access to information
Can provide seamless benefit flexibility between full time and part time on month to month administration

Stonewater’s unique TPA relationships allows partnering companies to seamlessly provide administration to SCA/DBA marketplace.

Stop Loss Solutions

For Government Contractors

Historically, government contractors are priced incorrectly due to the SIC codes (Standard Industrial Classification) involved. Blue-collar industries often carry higher risk factors in a rating manual. TPA's use a model which greatly reduces the risk of the carrier.

Stonewater utilizes the historical experience of TPA’s block of business to rate groups accurately depending on the plan selections and group demographics. No other MGU is positioned to accurately set rates for clients based on group make-up (full-time vs part-time) and demographics.

Why STONEWATER?

Stonewater’s the preferred stop-loss solution

Providing stop-loss to government contractors in two ways

For groups under 150 lives, Stonewater offers a level-funded product coined SimpleQuote©. This product is aggregate only with a premium and attachment factor sold as a fully insured equivalent rate. For larger clients, Stonewater provides contractors with traditional specific and aggregate stop-loss contracts.

Simplified Stop-Loss Solutions

Advantages