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April 25, 2023

Rising health care expenses and unexpected high-cost claims can be devastating to a business’s bottom line. The COVID-19 pandemic, high-cost specialty drugs, gene therapies and more are increasing the frequency and severity of large claims exceeding $1 million, highlighting the need for reliable stop-loss insurance.

Most self-insured employers appreciate the importance of investing in stop-loss coverage to help manage their risk. But not all stop-loss insurers are the same. To help your groups understand some of the differentiators, Regence BlueShield of Idaho (RBSI), has created this flyer you can share with your groups. We’re well-capitalized and skilled at managing volatility—and, ultimately, groups’ cash flow. Our “A-” rating from A.M. Best is a testament to our financial strength and means we’ll be here when your clients need us most.

Beyond our financial strength, insuring with us gives your groups access to:

• Deep provider discounts through the BlueCard® network
• Seamless and instantaneous reimbursement
• Guaranteed renewal
• Complete plan mirroring with no exceptions
• No lasering at renewal
• Flexible offerings to fit each group’s risk tolerance level—with rate caps and experience refund arrangements available

In addition, we’ve demonstrated superior underwriting results. Our team, averaging 24 years of industry experience, takes a long-term pricing approach, offering lower-than-market renewal increases and mitigating year-over-year volatility. That’s why our clients persist for an average of 6.6 years.

To learn more about how our stop-loss offerings can help your clients manage financial risk, download the flyer, and contact Sean Grogan | Sean@regence.com | 503-721-4079 (office) | 503-891-6223 (cell).