Employer Stop Loss

Specific Stop Loss
Specific Stop Loss is provided to limit the employer's cost for eligible medical expenses for each covered individual. This coverage addresses the employer's exposure to high expenses on a given individual (as opposed to an accumulation of expenses on all covered individuals). Specific contracts are generally offered on an incurred and paid basis.

Aggregate Stop Loss
Aggregate Stop Loss is provided to limit the employer's overall annual cost for a self-funded plan. This coverage addresses the accumulation of expenses on all individuals as opposed to high expenses for particular individuals.

Group Conversion
In addition to COBRA, some employers wish to have an individual policy that they can make available to terminating employees once their COBRA coverage runs out. Cairnstone provides these employers with an option to purchase a "conversion" product. This is a limited benefit individual health policy offered by Celtic Life.

OmniRisk
One of Cairnstone's unique product offerings, OmniRisk is Aggregrate without Specific Stop Loss coverage. OmniRisk simply covers the employer's total plan costs by reimbursing the employer when their total claims exceed a pre-determined dollar amount.

Specific Advance Provision
This is an optional provision to help employers obtain less volatility in the funding of their claim payments.

Aggregate Accomodation
This is an optional provision which helps an employer in the event there is a shortage on the funds needed to cover spikes in claims that exceed their budgeted amount (monthly aggregate attachment point).

Terminal Liability Option
This optional coverage is intended to provide the policyholder with protection in the event the policy is terminated.

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Employer Stop Loss

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Specific Stop Loss Specific Stop Loss is provided to limit the employer's cost for eligible medical expenses for each covered individual. This coverage addresses the employer's exposure to high expenses on a given individual (as opposed to an accumulation of expenses on all covered individuals). Specific contracts are generally offered on an incurred and paid basis. Aggregate Stop Loss Aggregate Stop Loss is provided to limit the employer's overall annual cost for a self-funded plan. This coverage addresses the accumulation of expenses on all individuals as opposed to high expenses for particular individuals. Group Conversion In addition to COBRA, some employers wish to have an individual policy that they can make available to terminating employees once their COBRA coverage runs out. Cairnstone provides these employers with an option to purchase a "conversion" product. This is a limited benefit individual health policy offered by Celtic Life. OmniRisk One of Cairnstone's unique product offerings, OmniRisk is Aggregrate without Specific Stop Loss coverage. OmniRisk simply covers the employer's total plan costs by reimbursing the employer when their total claims exceed a pre-determined dollar amount. Specific Advance Provision This is an optional provision to help employers obtain less volatility in the funding of their claim payments. Aggregate Accomodation This is an optional provision which helps an employer in the event there is a shortage on the funds needed to cover spikes in claims that exceed their budgeted amount (monthly aggregate attachment point). Terminal Liability Option This optional coverage is intended to provide the policyholder with protection in the event the policy is terminated.