With an “unbundled” ASO and separate stop-loss insurance arrangement, the independent carrier can often identify opportunities to collaborate with stakeholders and improve plan performance.

The rising cost of providing health insurance continues to be a significant expense for employers. To better mitigate risks, manage costs and improve health outcomes, an increasing number of employers are choosing to self-fund their employee benefit health plans. The partners they choose for design, administration and stop-loss coverage to reimburse catastrophic claims are important decisions.

Many companies contract with a national medical insurer to supply administrative services only (ASO), provider network access, and medical stop-loss coverage, which protects the self-funded employer health plan against catastrophic claims. This is referred to as a “bundled” arrangement for the stop-loss coverage.

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