| You're working hard to develop a block of business by generating stop loss proposal requests—now make sure your stop loss partners are working for you. From 24/12 to 12/24, BCS Insurance Company offers a complete array of coverage options answering nearly every request your organization will encounter. Besides expanding stop loss opportunities with contract term flexibility, BCS offers a full spectrum of specific and aggregate stop loss insurance, reinsurance, risk share, and underwriting-only solutions. So, when you look to answer your next request for proposal, look to the many stop loss solutions of BCS. That's protection, expanded. |
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BCS Medical Stop Loss insurance, reinsurance, and underwriting services enhance the competitiveness of Blue Cross and Blue Shield companies while protecting their reserves through flexible, reliable coverage against catastrophic claims.
In dozens of markets, BCS underwrites specific and aggregate coverage for Blue Cross and Blue Shield affiliated accounts.
Specific Coverage
Specific stop loss provides protection to the policyholder for a catastrophic loss per individual claimant. Available coverage features include:
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Covered benefits can include medical only or medical with Rx. |
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Attachment points begin at $25,000 per individual. |
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Policy maximums up to an unlimited maximum are available. |
Aggregate Coverage
Aggregate coverage provides protection to the policyholder for abnormal frequency of claims in total. Available coverage features include:
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Covered benefits can include medical only or a combination of medical with Rx, dental, and vision. |
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Aggregate retention begins at 120% of expected losses. |
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Policy maximums up to $2,000,000 are available. |
Contract Periods
BCS writes an entire array of stop loss contract periods. Available coverage includes:
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24/12:
Claims incurred in the 24-month period and paid in the 12-month period immediately preceding the end date of the contract period. |
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18/12: Claims incurred in the 18-month period and paid in the 12-month period immediately preceding the end date of the contract period. |
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15/12: Claims incurred in the 15-month period and paid in the 12-month period immediately preceding the end date of the contract period. |
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12/12: Claims both incurred and paid during the contract period. |
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12/15: Claims incurred in the 12-month period and paid in the 15-month period immediately following the beginning date of the contract period. |
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12/18: Claims incurred in the 12-month period and paid in the 18-month period immediately following the beginning date of the contract period. |
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12/24: Claims incurred in the 12-month period and paid in the 24-month period immediately following the beginning date of the contract period. |
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Paid: Claims paid during the contract period. |
The BCS Medical Stop Loss program is protection, expanded.
For more information, please call 630.472.7700. |
