The Spectrum Advantage
Spectrum Risk Advantage
Self-Funding Made Easy and Risk Free
Savings
|
Stability
|
Control
to see if your business qualifies for this exclusive program!
What Is The Risk Advantage?
- Stop Loss Consortium with more than 100,000 covered employees
- Built for 50-1000 EE employer segment.
- Independent pricing, using a proven risk model
- Transparent, stable, flexible, long-term funding solution
What Are The Benefits
- No new lasers at renewal
- Rate caps at renewal
- 100% surplus retention
- Flexible benefit design
- Full transparency of where your money is being spent
- Ability to choose administrator and network
- Best in class stop loss pricing
- Predictable, sustainable renewals not impacted by shock claims
How Is It Different?
- Stop loss group is managed to a target loss ratio of 78%
- Groups' rating based on individual loss experience below individual stop loss
- Protections based on VOLUME - rate caps and no new lasers
- Long-term management approach
- Totally transparent - groups can see where their dollars are spent
A Smarter Way to Self-Fund
Group Protection
Leverage group purchasing power and stop loss protection.
Financial Stability
Predictable renewals and rate caps help protect your bottom line.
More Control
Transparency, flexibility, and the ability to choose your partners
Is Your Business a Fit?
Contact us today for a no-obligation review and find out
if your business qualifies for the Spectrum Risk Advantage program.