Questions and answers

Making decisions about health insurance plans for your employees usually leads to questions. Here are the answers to the questions we hear most.

Frequently asked questions

How large does my company have to be in order to self-fund?
Geisinger Health Plan offers self-funded options to meet the needs of companies with 25+ enrolled subscribers, through Geisinger Indemnity Insurance Company.

How do I protect my company from catastrophic claims?
Geisinger Health Plan provides stop-loss policies. Stop-loss coverage is the insurance component that protects the employer from catastrophic or unpredictable claims activity.

What is stop-loss?
Medical stop-loss is an insurance product that provides protection against catastrophic or unpredictable losses. It is purchased by businesses who have decided to self-fund their employee benefit health plans, but do not want to assume 100 percent of the liability for losses arising. Under a medical stop-loss policy, the insurance company becomes liable for eligible losses that exceed certain limits called deductibles. We can assist you in evaluating the stop-loss policy that meets the needs and objectives of your business.

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