If you have a Self-Funded Plan with Stop Loss

Test Your Benefit Knowledge (Answers Provided Below)

  • Do you know what condition produced the highest number of individual stop-loss claims?

    1. Malignant Neoplasm (cancer)
    2. Chronic End Stage Renal Disease (kidneys)
    3. Leukemia, Lymphoma and/or Multiple Myeloma (cancer)
  • From 2010 to 2013, the number of claims that were individually $1 million or more rose by?

    1. 144%
    2. 68%
    3. 1,000%

Questions self-insured employees need to ask to manage the rising costs of catastrophic medical events?

  • Are we addressing cancer from a business and employee perspective?
  • Has our plan document been reviewed by an outside party for federal law compliance?
  • Does our medical plan document include creative language that helps contain costs and reward employees?


Did you know?

Corporate Financial has dedicated more than 30 years to helping make self-funding more affordable for employers. Corporate Financial customers enjoy innovative programs that assist employers in containing healthcare costs by providing medical plan document reviews, carrier vendor discounted pricing and in-depth medical data analysis.

Answers to questions above:

Question 1:
Do you know the top three conditions that produced the highest number of individual stop-loss claims?
Answer:- In this order…

  1. Malignant Neoplasm (cancer)
  2. Chronic End Stage Renal Disease (kidneys)
  3. Leukemia, Lymphoma and/or Multiple Myeloma (cancer)


Question 2:
From 2010 to 2013, the number of claims that were individually $1 million or more rose by?
Answer: 1,000%
1000 percent rise in 1M claims

  • Fact: 1,000% increase in individual stop loss claims from 2010 to 2013.
  • Probability: There will continue to be a rise in $1 million stop loss claims.


Corporate Financial believes that we will continue to see a rise in individual $1 million claims due to:

  • ACA requires unlimited lifetime maximums and coverage for dependents until age 26, and prohibits pre-existing conditions.
  • 71% of the $1 million claims are from dependent children
  • Due to the removal of lifetime maximums, the catastrophic claims and the conditions associated with them have no cost ceiling. Employees who had previously needed lifetime limits can now requalify for coverage under the plan and for stop loss coverage.
  • Outdated ineffective plan documents. Many of the boiler plate plan documents provided by Blue Cross, United Healthcare, Cigna and Aetna need to be enhanced for maximum compliance, efficiency and savings.


For medical plan document review or more information, click the links below:
Review My Documents or More Information

Or contact us directly at:
Phone: 877-598-0555 ● Email: info@corpfi.comwww.corpfi.com