Procedant helps employers and their brokers evaluate medical stop-loss strategies built around the organization’s risk tolerance, financial objectives, and readiness for captive participation.
A self-funded employer pays covered health-plan claims directly. That creates flexibility—but it also creates exposure when one individual has a high-cost claim or when total claims run materially above expectations.
Medical stop-loss insurance helps transfer a defined portion of that risk above agreed attachment points. Procedant brings a captive and alternative-risk perspective to the design, helping employers and brokers evaluate both immediate protection and long-term participation.
The health plan pays covered claims for members. Stop-loss insurance reimburses the employer for eligible losses under the stop-loss policy; it does not replace the employer’s responsibility to its plan participants.
Specific and aggregate stop-loss address different forms of claims volatility. The right attachment points help determine how much risk the employer retains and how much is transferred.
Protects against claim severity by reimbursing eligible expenses for one covered individual after that person’s specific attachment point is reached.
Designed forHigh-dollar claims or a series of eligible claims associated with one covered person.
Protects against claim frequency by reimbursing eligible plan expenses after total annual claims reach the aggregate attachment point, subject to the policy.
Designed forThe cumulative impact of eligible claims that, together, push annual plan spending above the defined threshold.
Not every employer is ready—or needs—to participate in a captive. Procedant helps identify the path that fits today while preserving the ability to evolve over time.
Path One
For organizations prioritizing protection, predictability, and a streamlined operating model.
Path Two
For organizations prepared to participate more directly in risk, governance, and long-term results.
We can evaluate the organization’s goals alongside its broker and identify the most appropriate starting point.
A disciplined process gives employers, brokers, and program partners a clear view of the structure before implementation.
Clarify the employer’s objectives, plan profile, risk tolerance, and readiness for participation.
Evaluate attachment points, contract terms, funding considerations, and available structures.
Align the employer, broker, TPA, actuarial resources, and risk-bearing partners.
Support implementation, monitor program performance, and revisit strategy as needs evolve.
Procedant works alongside the employer’s broker to bring captive strategy, program structure, and ongoing coordination to complex medical stop-loss opportunities. The broker stays central to the relationship.
Focused experience for opportunities that need more than a conventional placement.
A practical review of program fit, retained risk, economics, and operational readiness.
Clear roles and communication across the employer, broker, TPA, actuary, and risk partners.
Support that continues beyond placement as program needs and strategy change.
Every employer’s structure is different. These answers provide a useful starting point.
Whether you are an employer exploring self-funded protection or a broker evaluating an opportunity, Procedant can help identify the right path forward.
This page is for general informational purposes only and is not an offer, binder, or guarantee of insurance coverage. Coverage, eligibility, attachment points, participation options, pricing, and all other terms are subject to underwriting, applicable law, market availability, program requirements, and the issued policy. Stop-loss insurance does not replace the employer’s obligation to pay covered claims under its self-funded health plan.
