Medical Stop Loss
We offer flexible specific and aggregate coverage, insurance, reinsurance, risk share, and underwriting-only stop loss solutions
Complete array of coverage options for both large and small self-funded groups
Specific
Coverage per individual participant limits high-cost claimant exposure
Available medical-only, or medical with Rx
Aggregate
Coverage for entire group limits overall claims costs
Can include medical-only or a combination of medical with Rx, dental, and vision
Reinsurance
We offer multiple stop loss reinsurance arrangements to help you manage – and mitigate – risk
Gene Therapy
Solutions to manage the high costs of gene therapies
Cost Containment Solutions
Access to a variety of partnerships with specialty vendors and service providers that support clinical intervention and cost-saving initiatives to manage exposure to high-cost claims
BCS Stop Loss customers have access to BCS RiskNavigator and cost containment solutions.
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Gene Therapy, Speciality Drugs, and Million-Dollar Claims: What Brokers Need to Know About Self-Funded Risk
Over the past decade, BCS has seen an 850% increase in the number of claims exceeding $3 million, driven by gene therapies, specialty drug spend, and rising high-cost claimants across rare disease, neonatal, oncology, and complex cardiac care. These multi-million dollar treatments are now common across the industry, and contributing to rising loss ratios and…