Stop Loss Insurance

Stop-loss coverage protects you against large claims by limiting your financial liability for paid claims.

Two types of stop-loss coverage are available:

  • Specific deductible stop-loss coverage – Sets a ceiling on your financial liability for claims costs per each covered member. You can choose from a wide range of deductible amounts in determining your company’s specific stop-loss level (e.g., $35,000 to $300,000). The stop loss carriers liability is limited to the individual lifetime maximum level (e.g., $1,000,000) shown in the stop-loss policy. Specific stop-loss coverage begins paying when claims paid for a member during a contract period exceed the contract period specific stop-loss deductible amount you have chosen.
  • Aggregate stop-loss coverage – Limits your financial liability for the total amount of claims expense for your group as a whole. The stop loss carrier will estimate your anticipated claims for the year and add your chosen aggregate percentage to that estimate to calculate a stop-loss amount (e.g., 125 percent).

ENV Insurance Agency has access to A-rated national stop-loss insurance providers.

Contact us for more information.

ENV Call Center

The ENV Call Center is one of the many things that differentiate our company from other agencies. We provide our clients with our call center for direct service. All your employees will have an ENV Call Center Card to call and discuss:

  • Claim Issues
  • Benefit Questions
  • Obtaining New ID Cards
  • COBRA Questions
  • Additions and Deletions
  • Billing Issues
  • Medicare & Medicaid Questions

The ENV Call Center ensures that your employees will always get a person on the phone to service them, bypassing lost time and frustration dealing with the insurance company's "1-800-Shuffle."

315-641-5848 Monday - Friday, 8-5