Medical Stop-Loss

Our Strategic Approach

Crumdale Partners works collaboratively with our preferred broker partners to ensure employers get the right coverage at the right price based on their needs.

PARTNERING WITH LIKE-MINDED BROKERS FOR SUCCESS

Our team has extensive experience with risk management and risk transfer strategies to create stability and contain costs. With detailed claims review and management, we reduce the severity and frequency of claims costs.

 

When you work with us you gain access to:

  • 30+ years of industry expertise
  • In-house underwriting team

  • Compliance & actuarial support

  • Preferred pricing & quick quoting turnaround

  • Collaborative & responsive approach

Pricing

FAVORABLE DISCOUNTS, TERMS & CONDITIONS

Stability

DECREASE RENEWAL VOLATILITY

Control

ALLOWS FOR STRATEGIC PLANNING & FINANCING

Our Offerings

Group Purchasing Stop-Loss

Crumdale strategically leverages our volume to provide clients access to leading rates, terms, and discounts. This strategic approach promotes long-term financial success. Crumdale will also underwrite all cases from a distribution partner as a block at renewal so their employer groups benefit from the law of large numbers.

  • Stop-loss leverage provides favorable discounts, terms, and conditions
  • Pooled arrangements significantly decrease renewal volatility
  • Allows for strategic planning around a long-term financing strategy

Rx-Only Stop-Loss

With over 30 years of experience in PBM and stop-loss, we can help employers plan for and avoid high costs from prescription drugs. We’ll make sure plans provide protection and cost savings.

  • Competitive Rx-Only Stop-Loss Protection
  • Plan Design Recommendations
  • ERISA Consultation
  • Medical Channel Management

Stop-Loss Only for Preferred Distribution Partners

Offered to our preferred distribution partners for their clients with 300+ employees, our experienced and accessible team of underwriters proactively work with brokers to deliver a strategic approach in the client’s best interest.

  • Preferred Pricing
  • Quick Quoting Turnaround
  • A-Rate Paper
  • Favorable Discounts, Terms, and Conditions
  • Pooled / Block Pricing

Our Innovative Approach: Five Core Components

  • Experienced In-House Underwriters
  • Cost Containment with Stop-Loss
  • Expert Health Claims Negotiation & Monitoring
  • Strategic Stop-Loss Protection & Risk Pooling
  • Creative Risk Transfer & Pooling Strategies

Experienced In-House Underwriters

Underwriters and brokers should work together to ensure clients get customized cost containment solutions for their needs. Our experienced and accessible team of underwriters serves to proactively work in unison with brokers and other like-minded partners to deliver a strategic approach to underwriting in the client’s best interest. 

  • True management approach 
  • TPA claims processing 
  • Actively identifying savings 

Cost Containment With Stop-Loss

We offer protection from high-cost medical claims due to fraud, waste, or abuse with our active claims monitoring. Our underwriting and stop-loss strategies involve extensive research and analytics to identify errors and implement improvements for savings through experienced claims negotiation and more. 

  • Active claims monitoring and research 
  • Real-time data analytics to predict future claims 
  • Vendor oversight to hold vendors accountable

Expert Health Claims Negotiation & Monitoring

Crumdale’s in-house stop-loss and underwriting division offers innovative financing options and data analytics to drive competitive pricing. Our in-house claims experts provide active monitoring and proactive negotiation to control costs. 

  • Claims expertise and data analytics to drive aggressive pricing 
  • Claims payer collaboration that reduces errors between stop-loss and claims payment 

Strategic Stop-Loss Protection & Risk Pooling

Crumdale provides a strategic approach to underwriting with expert stop-loss purchasing strategies to reduce costs and protect clients from high claims. This type of medical underwriting also encourages long-term financial success by promoting strategic planning with risk pooling. 

  • Concentrated risk analysis to reduce claims costs, severity, and frequency 
  • Stop-loss leverage provides favorable pricing, stability, and increased financial control 

Creative Risk Transfer & Pooling Strategies 

Our team has extensive experience with risk management and risk transfer strategies to improve drug pricing, stability, and cost containment. With concentrated risk analysis, we reduce claims costs, severity, and frequency. 

Our Value Proposition

When you join the Crumdale Partners network you gain leverage to reduce employee benefits costs, plus exclusive access to:

  • Turnkey, transparent solutions that are easy to understand
  • Industry subject matter expertise and local market knowledge
  • Creative cost containment strategies
  • Superior contracts
  • Best-in-class vendor and carrier relationships
  • Alternative risk financing and management
  • Expert data analysis, actuarial and compliance support
  • Agile solutions tailored to meet your needs

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