Stonewater advantages

Stop-loss priced on how your groups actually perform.

Stonewater combines the benefits of self-funding with close TPA partnerships, cost containment built into our pricing, and rating based on real claims experience.

Why self-funding beats fully insured

A self-funded plan, protected by stop-loss, gives employers control and visibility that fully insured plans don't.

Plan design flexibility

Build a plan around your workforce instead of choosing from a carrier's fixed menu of options.

Safe harbor

Self-funded plans operate under federal rules rather than a patchwork of state mandates. Your advisor can explain how this applies to your group.

Competitive rates

Pay for the risk your group actually presents. Self-funded programs can compare favorably with fully insured rating.

Better claims reporting

See what is driving costs. Access to claims data helps you and your TPA make informed decisions during the plan year.

Flexibility for full-time and part-time staff

Move employees between full-time and part-time benefits from month to month without disrupting administration.

Predictable options with level-funding

Level-funded plans give smaller groups steady monthly payments along with the advantages of self-funding.

Built around your TPA

Partnership

Built around your TPA

Stonewater isn't a quote mill. We partner with TPAs to build blocks of business together, and we price each program based on how that TPA actually runs its plans.

  • Close, long-term relationships
    We work with a select group of TPAs and take time to understand how each one operates.
  • TPA-specific rate tables
    Rates reflect your TPA's results, so you aren't priced against an industry average.
  • Seamless administration
    Our TPA relationships let partners deliver smooth plan administration for their clients.
  • Direct access to underwriters
    Talk to the people who set the rates, not a call center.
Experienced TPAs know their groups. We put that knowledge to work.

Cost containment that shows up in the rates

Good cost containment lowers claims. We believe it should also lower premium.

Stonewater studies the strategies each TPA uses, including network contracting, claims review, drug coverage, and care management, and reflects the results in how we underwrite. TPAs that control costs are rewarded with pricing that recognizes it.

The result: competitive stop-loss rates that match the real risk, and a stronger story for the groups your TPA serves.

Cost containment

Pricing based on experience, not averages

Rating manuals often treat whole industries the same way. Hourly and blue-collar workforces in particular can be priced as higher risk than their results justify. Stonewater rates the group in front of us.
Manual rating
  • Starts from industry classification codes
  • Applies broad risk factors to entire industries
  • Has limited visibility into how the TPA manages claims
  • Can overprice groups that perform well
STONEWATER rating
  • Uses the historical experience of the TPA's block of business
  • Reflects the plan selections the group makes
  • Accounts for group demographics and full-time versus part-time makeup
  • Prices the risk the group actually brings

Two ways to buy stop-loss from STONEWATER

Choose the product that fits the size of the group.

Smaller Groups

SimpleQuote™

A level-funded product that is uniquely designed for smoother renewal pricing. Premium and attachment factor are sold together as a fully insured equivalent rate, so the quote is easy to compare and easy to explain.

Larger groups

Traditional stop-loss

Specific and aggregate stop-loss contracts for larger employers, rated on the group's plan design, demographics, and TPA experience.

View STONEWATER Products

See how Stonewater would price your groups

Email us or call 844-700-3667, Monday to Friday, 8 AM to 5 PM CST.

Request a quote

Simplified Stop-Loss Solutions
Stonewater Underwriters, Llc © : All Rights Reserved