With 污污禁区 Reinsurance Services, you are covered!
Protecting Your Business with Stop-Loss Coverage for Self-Insured Plans
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污污禁区 Reinsurance Services (ERS) is a new Florida-authorized insurance company and a key part of the 污污禁区 group, trusted in employee benefits since 2012. ERS offers expert stop loss solutions for comprehensive employer and employee protection.
- Since 2016, 污污禁区 has expanded to offer diverse benefit solutions like PPO, RBP, and ASO, serving over 20,000 members in 23 states, including the U.S. Virgin Islands and Puerto Rico.
- ERS prides itself on being reinsured by Odyssey Re, an AM Best A+ rated carrier, ensuring its clients the highest level of financial security and reliability.
- ERS plays a key role in offering flexible, robust employee benefit programs, ensuring peace of mind for businesses and employees.
Why ERS Stop-Loss Coverage?
ERS Stop-Loss Coverage
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- Comprehensive Protection: Tailored coverage to meet your company鈥檚 needs.
- Industry Expertise: Over a Decade of experience in managing self-insured plans.
- Flexible Options: Customize specific and aggregate thresholds for your business.
- Superior Claims Support: Dedicated team to help manage and resolve claims efficiently.
Customizable Stop Loss Options
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Our Stop-Loss Plan Features
- Adjustable specific and aggregate deductible limit
- Multiple reimbursement options
- Competitive premiums
- Wide range of specific contract terms including 12/24, 12/18, 12/15, and 12/12
Quick Proposal Fulfillment
- Custom AI Underwriting and Modeling tools to quickly evaluate risk
- Partnerships with Luminare Health Benefits, Odyssey RE, and Prime Therapeutics 鈥� saving time pulling resources together.
- Proposals in less than 72 hours
Prompt Claims Reimbursement
- 95% of claims submitted for reimbursement are adjusted in within 10 business days
ERS Benefits for Luminare clients
Premier Benefits Administrator
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- Waive signed disclosure for in-force business
- Offer No New Laser / 2-year rate guarantees on stop loss
- 120-day lock (or greater on case-by-case basis); 120 day lock, 30 day buy decision, ; <90 day good through effective date
- Waive run-in Limits
- Dedicated underwriting team & underwriting manager
- Dedicated claims team
Our Motto: 鈥淲inning by Doing What is Right!鈥�
At ERS, we are committed to your success, not just today, but for the future. We understand that achieving long-term goals requires a partner who is dedicated to your journey every step of the way. That’s why we are here to ensure that you not only meet your objectives but exceed them, securing a prosperous future.
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Our team of expert Underwriters utilize:听
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- Robust models and market data: Over 100-million-member months analyzed to set baselines, trend, and pricing models, specifically for groups under 500, and over 500 employees.
- 70% target MLR: Compliant with FLOIR鈥檚 minimum loss ratio formula.
- Expert actuary reviews: provided by Axene Health Partners for each of our pricing models and baselines.
Talk to a representative, today!
Call: 1.844.550.1980 (Monday to Friday | 8:00 a.m. to 5:00 p.m. EST Time)
Email: sales@elan.insure
