Partner Spotlight: Intact Stop Loss


If you have a self-funded health insurance program, you likely have a stop-loss insurer taking on the big risk.

Finding the right stop-loss coverage is a huge piece of the self-funding or self-insured dynamic.  Not only do you need the right coverage, you need the coverage that shows up when those big claims arrive at the doorstep of your company’s bank account.

A few years ago, we were introduced to Intact Insurance, and we have had the pleasure of working with their team from new client onboarding all the way to paying out the big bucks when a company’s employee has a catastrophic event.

Recently, we got the chance to visit with Christy Vago and discuss all kinds of fun topics about the stop-loss world, and we recorded some Q&A that is designed to provide insights and better understanding of how to best interact with a stop-loss insurer and how to understand all the industry insider terminology that is thrown around.

And, we had so much fun the interview ran kind of long. But, this gives us a great opportunity to break it up into bite-sized segments for you to enjoy.



First up, “what is stop-loss”?



Who purchases Stop-Loss?

How often should an employer talk to their Stop-Loss insurer?

What cost-containment items keep Stop-Loss pricing lower?

How do you lower Stop-Loss costs at a renewal?

3 Levers to reduce Stop-Loss costs

You said “Laser”, what is that?

Why is it important to “follow the SPD”?

What is Stop-Loss’ opinion on “Advocacy”?

What has been the impact of COVID?

What is the common Stop-Loss deductible?

Key Takeaways for shopping Stop-Loss:

The big takeaways

Shop early, get your Stop-Loss vendor’s input prior to even quoting, and remember the 3 big levers to reduce costs:

  1. Open Networks
  2. Transparent Pharmacy
  3. Programs designed for specific high-cost conditions
Bret Brummitt

Bret Brummitt


About the author: An avid learner and resourceful leader with a passion for problem-solving, Bret is a calming force in the chaos and fast-paced evolution of health insurance, employee benefits, and the growing burden of regulatory compliance. He helps people develop the confidence to see beyond the problem at hand and start to re-imagine their goals. Whether he’s helping a client or a colleague, Bret believes a successful interaction is one that allows us all to dream a little bigger when we’re done.

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