Stop Loss Insurance

Stop loss insurance protects your business from catastrophic or unpredictable claims. Sana includes this coverage in our level funding arrangements because we know predictability and peace of mind are essential to our customers. 

Important Terms

An attachment point is the dollar amount of medical claims after which the stop loss coverage begins reimbursement, similar to a deductible. 

  • The number of enrolled employees and other factors determine the attachment point calculation. 
  • A policy with an attachment point of $10,000 would begin reimbursing claims at $10,001.

Specific stop loss coverage applies when a single employee has an unexpected medical event requiring extremely costly care. The policy will reimburse the member's claims once they exceed the individual attachment point. 

Aggregate stop loss covers the collective claim expenses of all the health plan participants in a scenario where the cumulative claims exceed the aggregate attachment point during the policy's contract period.

Your Coverage

  • Stop loss coverage is included in your initial sales proposal and monthly premium, and is not billed separately. 
  • We will need an additional signature after Open Enrollment and attachment point calculation for your stop loss coverage to begin.
  • Your monthly premium will not fluctuate during the plan year with this coverage, no matter what happens with employee claims. If specific or aggregate claims exceed the stop loss policy's attachment point, the policy will pay on your company's behalf. 

Have questions or feedback? Our Admin Resource Center is available 24/7. You can also reach our Customer Success Support Team at or (940) 340-4488 Monday through Friday during normal business hours. If you have a dedicated Customer Success Manager, feel free to reach out to them directly.