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STOP LOSS INSURANCE ENABLES EMPLOYERS TO OFFER A SUSTAINABLE SELF-FUNDED BENEFIT PLAN WHILE SAFEGUARDING AGAINST EXCESSIVE FINANCIAL EXPOSURE. Stop Loss protects businesses from catastrophic claims, including the rising costs of high-priced Specialty Rx medications. Without this protection, self-funded employer groups may face financial distress.Stop Loss provides protection for covered claims on an individual or aggregate basis that exceed the predetermined stop loss levels. This coverage helps protect employers against fluctuating and large claims that may lead to financial losses. With Stop Loss insurance, you help make your self-funded plan more secure and settling claims reimbursements will be easier and more efficient. Features include:%u2022 Not needing to submit a Stop Loss claim to a third party for reimbursement.1%u2022 Weekly reimbursements on Individual Stop Loss claims (if invoiced weekly).2%u2022 Plan Mirroring %u2014 Claims will be processed in accordance with your medical plan. %u2022 Standards for medical necessity, claims review and payment will be aligned with your plan%u2022 Comprehensive Blue InsightSM reporting that provides information about your employees%u2019 health care utilization, as well as costs and trends Stop Loss THE GROWING NEED FOR STOP LOSSBetween 2020 and 2024, the number of Stop Loss members with claims exceeding $1M+ grew by168%, highlighting the increasing financial risk for self-funded employers. In 2024 alone, 23 Stop Loss members incurred more than $3M+ in paid claims. This data underscores the growing necessity of Stop Loss insurance in protecting self-funded employers from unpredictable, high-cost claims.* * Blue Cross and Blue Shield of Illinois, Montana, New Mexico, Oklahoma and Texas internal analytics1. Only applicable to Blue Cross and Blue Shield of Illinois, Montana, New Mexico, Oklahoma and Texas medical claims and pharmacy claims from Prime Therapeutics%u00ae or from partnering pharmacy benefit managers 2. Applies to accounts on a weekly billing cycle when the claims data is in-house