Protecting Your Business from High Medical Claims
Our core focus is medical stop-loss insurance for self-funded health plans.
Why Choose 5Rivers?
As healthcare costs rise, small to mid-sized employers face increasing financial risks. 5Rivers is dedicated to offering stop-loss insurance that fills this critical market gap. By focusing on self-funded employer groups and their unique needs, we help businesses of all sizes maintain control over healthcare spending without fear of catastrophic losses.
Tailored Solutions: We customize specific and aggregate stop-loss coverage to align with your financial goals.
Risk Management Expertise: With advanced analytics and underwriting, we offer optimized pricing and comprehensive protection.
Reinsurance Security: Our relationships with highly rated reinsurers provide stability and protection, ensuring we back your coverage with some of the industry’s strongest financial institutions.
Specific Stop-Loss: Protects against high individual claims by capping costs after a certain threshold.
Aggregate Stop-Loss: Caps the total amount of claims an employer must pay in a plan year.
Stop-Loss Insurance
When employers self-fund their healthcare plans, large or unexpected claims can disrupt budgets. Stop-loss insurance provides a safety net by limiting the financial exposure from catastrophic claims, protecting your organization from unpredictability.
This insurance specifically targets employers who self-fund their employee health plans but want to cap their liability for high-cost claims. It's particularly useful for covering expenses related to severe medical conditions, such as cancer treatments, transplants, gene therapies, or long-term care for chronic illnesses. Stop Loss insurance ensures that self-funded employers are not financially overwhelmed by these potentially devastating claims.
We Build Lasting Partnerships
At 5Rivers, we stay ahead of industry trends, share our expertise, and develop reliable solutions. Our commitment to protecting the financial well-being of our clients has allowed us to build strong, long-term relationships with business partners across the nation.