Stop-Loss Insurance Placement
Securing the right protection
Finding and placing stop-loss coverage that matches your risk profile at competitive rates
Why does stop-loss placement matter?
5.0 Google Reviews
Stop-loss markets vary widely. Carriers have different appetites for different risks. Terms and pricing differ significantly. Proper placement ensures appropriate coverage at competitive rates—protecting your plan without overpaying.
We got it.
Thank you for contacting us.
We’ll get back to you as soon as possible.
See where your benefit plan is leaking
Find out what gaps exist — and what you can do without changing your plan.
We'll show you where money is leaking, risks are growing, and what you can fix within your current structure. No pressure to change brokers, carriers, or benefit design. Just clarity.
- Gap analysis based on your actual plan structure
- Clear findings you can share with your broker
- Recommendations that layer on — no disruption required
Market Access
Access to multiple stop-loss carriers to ensure competitive options. Not all carriers quote all risks.
Terms Negotiation
Negotiating policy terms beyond just price—lasers, exclusions, aggregating factors, and contract provisions that affect coverage.
Competitive Bidding
Managing competitive bidding processes to ensure you're getting market-appropriate pricing.
Carrier Evaluation
Evaluating carriers beyond price: financial strength, claims handling reputation, and policy administration quality.
What is Stop-Loss Insurance Placement?
Stop-Loss Insurance Placement is the process of securing stop-loss coverage from appropriate carriers at appropriate terms.
Stop-loss isn't a commodity. Carriers vary in their appetite for different industries, group sizes, and risk profiles. Policy terms differ in ways that significantly affect coverage. Pricing varies based on carrier's book of business and underwriting approach.
Placement involves understanding your needs, accessing appropriate markets, comparing options meaningfully, and securing optimal coverage.
Why Isn't Stop-Loss Placement Straightforward?
Most employers renew their health plans year after year without questioning the underlying assumptions. Brokers present options, carriers set rates, and leadership approves budgets based on incomplete information.
The result? Companies overpay for benefits employees don't use while missing coverage gaps that create real risk. They accept premium increases as inevitable rather than addressable. They lack visibility into where their money actually goes.
A Healthcare Risk Assessment changes that. It gives you the data and insight to make informed decisions, negotiate from a position of strength, and take control of one of your largest operating expenses.
How It Works
Stop-loss placement secures appropriate protection through systematic process.
Needs Assessment
Understanding your stop-loss needs: risk tolerance, cash flow constraints, claims history, and coverage requirements.
Market Approach
Approaching appropriate carriers with complete, accurate information that enables competitive quoting.
Option Comparison
Comparing quotes meaningfully—not just premium but terms, exclusions, and coverage quality.
Placement & Documentation
Placing coverage with selected carrier and ensuring proper documentation.
When Should Stop-Loss Be Placed or Renewed?
Placement timing includes:
• Initial placement when starting self-funding
• Annual renewal before policy expiration
• Mid-year if circumstances change significantly
• When current coverage is inadequate
• When cost concerns warrant market check
Where Is Stop-Loss Placed?
Stop-loss is placed with specialty carriers:
• Dedicated stop-loss insurers
• Major carriers' stop-loss divisions
• Reinsurance markets for large or complex risks
• Through broker relationships and direct markets
Who Needs Stop-Loss Placement Services?
Self-funded employers placing or renewing coverage:
• Those new to self-funding
• Employers approaching renewal
• Organizations wanting to market-check current coverage
• Any self-funded employer seeking optimal protection
See What Our Customers Are Saying
"What could have been data driven, was soon a conversation. Over 3 years with the best coaches, listeners, advisors you could ask for. If Monique didn't have an answer readily, she would note it, research it, and then update you on the answer. Always a positive meeting. Highly recommend!"
— Sue D.
“Our Medical Insurance Premiums were Out of Control! Thanks to Weltrio and their amazing team of healthcare experts, Weltrio is my single most-profitable cost center!”
— Cayuse CEO
Everything You Need to Know
At Weltrio, we are a medically trained team that works with HR and benefits partners at companies of all sizes to improve healthcare quality, reduce risk exposure, and optimize costs. We work within your existing plan structure—providing employers with clarity, trust, and transparency at every step. Whether you're upgrading your benefits plan or building from scratch, we've got you covered.
Is this the same as telemedicine?
No. Clinical support provides guidance and triage, not diagnosis or treatment. We help employees decide when and where to seek care.How many nurses will be assigned to our company?
Assignment depends on your company size and typical utilization. Smaller companies may share a primary nurse with backup coverage. Larger organizations get dedicated teams. Either way, employees experience consistent relationships with clinical professionals who know them.Who answers calls in the middle of the night?
Board-certified nurses from your Weltrio clinical team. We staff night shifts with experienced nurses who have full access to your company's benefits information and employee interaction history. It's not an outsourced answering service.What protocols do nurses use for triage?
Our nurses use evidence-based clinical decision support protocols developed from emergency medicine and primary care best practices. These protocols are regularly updated based on current medical guidelines and are customized for telephone/virtual assessment settings.How much does an unnecessary ER visit actually cost?
Average ER visits cost $2,200 or more—even for minor issues. Add lab work, imaging, or specialist consultation and costs climb quickly. The same conditions treated at urgent care typically cost $150-300, and telehealth visits run $50-75.
