Spectrum’s Medical Stop Loss Products

Spectrum offers a variety of Medical Stop Loss Insurance products for single employer groups with as few as 15 employee lives.

Specific Stop Loss: Protection against the financial risk of a catastrophic claim in excess of an individual specific retention applicable to each plan participant.

Aggregate Stop Loss: Protection against the financial risk of a large accumulation of claims that fall below the specific retention and are in excess of an annual aggregate retention on the plan as a whole.

Integrated Stop Loss: Protection against the financial risk of claims in excess of an accumulating monthly integrated aggregate retention applicable to the plan as a whole.

Click here to learn more about our medical stop loss insurance products.


Helpful Links

Zurich Self Insurance Institute of America Society of Professional Benefit Administrators My Health Guide