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.