WHY CHOOSE ECU?

East Coast Underwriters is a stable, service oriented firm founded on strong relationships and sound underwriting practices to provide you with the best self-funded solutions

STOP-LOSS SOLUTIONS

MEDICAL STOP LOSS INSURANCE

The most important component of a self-funded healthcare plan

East Coast Underwriters provides a variety of unique stop loss solutions to fit your company’s goals and specific risk profile. While the best approach is speaking directly with an ECU representative, here is some basic information about Medical Stop Loss:

Types of Stop Loss

AGGREGATE COVERAGE

Protects employers from the frequency of claims across the entire population of the covered plan under the specific deductible. A certain dollar amount is set that determines to what level of claims the employer will fund. The insurance carrier reimburses any claims that exceed the attachment point.

SPECIFIC COVERAGE

Protects employers from large, catastrophic claims incurred by a single individual. The insurance carrier reimburses the employer group when claims of an individual exceed the specific deductible.

OUR SOLUTIONS

take a closer look at our most popular solutions

Businessperson holding a black briefcase.

TRADITIONAL STOPLOSS

Traditional specific and aggregate medical stop loss solution that limits a self-funded employer’s risk.

LEVEL FUNDED STOPLOSS

EZ FUNDING

ECU's level funded specific and aggregate stop loss solution

EZ AGG

ECU's aggregate-only level funded stop loss solution

Coworkers reviewing a graph on a computer monitor.

STOPLOSS CAPTIVE

Blue Ridge Captive Solutions (BRCS) is a multi-layered Captive Program underwritten by ECU. Within the captive program, employer groups may join the Industry Best Practices Captive Cell or another captive partner’s cell. BRCS also offers partnership opportunities to create and customize unique captive programs.