Wholesale employee benefits
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Funding ArrangementsFully insured, self-funded, level-funded, stop-loss.
Compliance & RegulatoryACA, ERISA, COBRA, HIPAA, Section 125.
ICHRAsClasses, notices, affordability, integration.
Question 2 of 5Funding
Stop-loss insurance in a self-funded plan primarily exists to:
ALower the network discount
BProtect against catastrophic claims
CReplace the TPA
Stop-loss caps the employer's exposure so a few large claims do not sink the budget.
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