Transparent Underwriting
Deep stop-loss expertise with clear insight into plan drivers — helping partners assess current cost-containment and uncover new, validated solutions that help manage Total Cost of Care.
Stop-Loss Insurance for Self-Funded Employers
Predictable protection for unpredictable claims. Built with brokers and TPAs in mind—clean operations, fast responses, and thoughtful underwriting.
What is Stop-Loss?
Stop-loss (medical reinsurance) protects a self-funded plan from large or unexpected medical claims. It reimburses the plan when costs exceed agreed thresholds—either per member (Specific) or in total (Aggregate).
Specific Stop-Loss: Protects the plan from high claims on a single member.
Aggregate Stop-Loss: Protects the plan when total claims exceed a set attachment point.
Options: lasers (or alternatives), aggregating specific, terminal liability, and more—tailored to the employer’s risk tolerance.
Why SkyWriter RE
Proactive Partnering
We don’t “set and forget.” Expect thoughtful insights, renewal readiness, and a friendly team that’s easy to reach.
Frictionless Integration
Intake that respects your time. Speedy policy issuance, billing, and reimbursements — powered by connected systems and intelligent automation that reward clean, complete data.
Built for Brokers & TPAs
You’re juggling markets, timelines, and client expectations. We make your day easier with respectful intake, fast answers, and clean deliverables your clients can trust.
- Straightforward intake & submission guidance
- Clear policy terms and endorsements
- Industry leading claims support and reimbursements
- Timely reporting and renewal prep
- Expert consultation on risk strategy and plan design to promote better health outcomes for members
Ready to quote or learn more?
Get in TouchSkyWriter RE is independently owned and built on decades of underwriting and A&H experience. We’re committed to thoughtful partnerships that deliver measurable results for brokers, TPAs, and employers.