Stop loss is one of the independent pieces that makes up a self-funded bundle. Plansight lets you build and manage stop loss quotes separately, then pair them with plan design, administrative services, and pharmacy quotes to create a complete total medical cost picture.
How Stop Loss Quotes Work
Stop loss quotes live on their own tab within the self-funded quoting area. Each quote captures the key contract details — specific and aggregate premiums, deductible levels, and carrier information. Because stop loss operates independently from the other components, you can build out multiple stop loss options from different carriers without affecting the rest of the bundle.
This independence matters when you're comparing options. You might have three stop loss carriers quoted alongside two administrators and two PBMs. Each combination can be assembled into its own bundle, giving you a clean side-by-side view of how different configurations affect total cost.
Pairing Stop Loss with a Bundle
Once your stop loss quotes are in the system, you attach them to a plan design inside the medical plan editor. When you open a self-funded plan for editing, you'll see a section for stop loss near the bottom. From there, you can either type in the stop loss figures manually or pull directly from an existing quote.
Pulling from an existing quote is the cleaner approach. A modal opens showing all available stop loss quotes. Select the one you want, and Plansight applies it to the bundle. If you're working with multiple options, you can apply a different stop loss carrier to each one independently.
When you save, the bundle updates automatically. The specific and aggregate premiums from the stop loss quote roll up with fixed administrative costs, pharmacy costs, and projected claims into a single budgeted rate — the fully insured equivalent you'll use for modeling and presentation.
How Stop Loss Flows into the Presentation
The bundled total medical cost flows through to several places in the presentation:
- The market response shows the overall cost and how it compares to current or renewal
- The medical plan pages display the budgeted rate built from all combined components
- The total medical cost summary breaks out fixed costs, stop loss premiums, claims costs, and maximum liability in one view
Each stop loss quote also retains its own detail pages, so the underlying contract terms are visible alongside the bundled output.
Common Questions
- Can I compare stop loss quotes from multiple carriers? Yes — build each carrier's quote independently, then pair them into separate bundles to compare total cost side by side.
- Do I have to use an existing quote, or can I type in stop loss figures manually? Both options are available inside the medical plan editor. Pulling from an existing quote keeps everything connected and easier to update, but manual entry works if you have figures that aren't attached to a formal quote yet.
- What happens to the bundled rate if I swap out a stop loss carrier? The bundle recalculates automatically. Fixed costs, pharmacy, and claims stay the same — only the stop loss component updates, and the new total rolls up immediately.
- Where do stop loss quotes appear in the presentation? They appear in the total medical cost summary as a line item, and the bundled rate that includes them shows on the medical plan comparison pages.
- Does changing a stop loss quote on one option affect other options? No — each option holds its own stop loss assignment. You can apply different carriers to different options without any crossover.