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Stop loss insurance helps protect employers with self-funded health plans. It covers costs after the employer has met its  deductible toward employees’ covered medical expenses. This safety net guarantees that the client will not exceed a predetermined amount of claims dollars per person and per group. This is a great tool for managing financial risk.   

Specific Coverage: Protects against high claims on an individual level.

Aggregate Coverage: Protection if the group’s medical costs are higher than anticipated. 

OMS makes sure your policy covers both scenarios.