Medical stop-loss coverage is a product that provides protection for a health plan against catastrophic or unpredictable losses.

The Palmetto Healthcare Stop-Loss Program (PHSLP) is a unique medical stop-loss offering that was established in 2011 with a retrospective funding model where members pay actual costs – eliminating much of the profit and removing the surplus and margins found in commercial stop-loss. Risk is spread across a pool of participating members, lessening the effects of this volatile line of coverage. Members have recognized significant savings compared to the commercial stop-loss market, and members who have self-insured this risk in the past, appreciate the smoothing of risk created by a larger program.

Medical stop-loss claims administration, underwriting and risk management services are provided to members of PHSLP under a contract with Antum Risk and through business alliances with other best-practices companies.

“As one of the founding members of the program, I am very pleased with our experience in PHSLP. Self Regional Healthcare has saved between 10-25% annually as a member of the program over the past eight years. We like the program’s retroactive funding structure and having the volatile risk spread across a pool of participating healthcare organizations. We also appreciate that membership provides us direct input into the coverage we receive and transparency related to its operations and cost.”


Learn More

Fill out this form to learn more about medical stop-loss coverage.