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Their quick responses are helpful & direct. We measured results at every 5 percentage points from a minimum of 75% of mean to a maximum of 250% of mean. Aegle. 0000016404 00000 n What is an Attachment Point MSL Specimen Policy-Sample, .cls-1pdf,.cls-2pdf{fill:none;stroke:#009ce5;stroke-width:2px;}.cls-1pdf{stroke-linejoin:round;}.cls-2pdf{stroke-miterlimit:10;}.cls-3pdf{fill:#009ce5;} 0000006653 00000 n They are very knowledgeable in their area of expertise and you can always count on them to provide the best advice/counsel regarding various applicable matters. We've not found this level of support and value with any other benefits broker. STOP LOSS <]/Prev 733186>> Webindividual stop-loss deductible by employer size and other coverage provisions, including aggregate stop-loss. In simple terms, an attachment point is the point at which one persons liability for claims ends and another persons begins. Basic policy benefits are paid first, and when the basic policy benefits are exhausted, the corridor deductible then applies. 4. The form of stop loss coverage that provides protection for the employer against the accumulation of total claims for the group as a whole exceeding a stated level. This payment is necessary to cover part of the insured medical or hospital bills. Full range of contract claims basis: 12/12, 12/15, 12/18, 12/24, 12/36, 14/12, 15/12, 18/12, 24/12, paid, incurred. With an aggregate corridor of 125%, the maximum claims for your organization are $1,250,000. Aggregate Stop Loss Insurance The corridor deductible is usually a fixed dollar amount per loss and applies in the transitional area between basic coverage and major medical expense coverage. 0000015952 00000 n BBG defines excellence. WebThe aggregate attachment point is the annual amount of claims for which the group is responsible stop-loss insurance policy; or (3) $20,000, whichever is greater 125% : New Jersey ; Up to 50 employees: $20,000 51 or more employees: $20,000 Highly recommend! This may include a variety of claim bases with run-in and run-out. Tokio Marine HCC is a member of the Tokio Marine Group of Companies. Our Organ & Tissue Transplant policy is a fully-insured option to protect your self-funded plan from losses due to transplant exposures. They are all easy to work with and just made life easy. When year-end accounting is done the actual claims are compared to the aggregate attachment point. A health insurance deductible is the amount of money you must pay out of pocket each year before your insurance plan benefits kick in. I LOVE BBG and their staff. 0000011839 00000 n They go out of their way to help you with all business needs. I truly value you. He recently helped us with an audit and was very patient, explaining the details and helping us come to a resolution.