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edHEALTH's Captive Risk Management Options
How edHEALTH’s Captive Risk Financing Options Work
Nov 22

Under edHEALTH’s captive, member organizations pick their own self-insured retention level based on their risk tolerance, philosophy, financial status, and experience. In addition to the stop-loss coverage schools automatically receive, they can purchase aggregate stop-loss coverage to further protect their risk. Here’s how the risk financing works:

If a school picks a Self-Insured Retention (SIR) of $100,000 per claim:

  • The college will pay any single claim up to $100,000.
  • The Educators Health Insurance Exchange captive will pay the next $1-$650,000 for each individual claim from this school.
  • edHEALTH purchases excess protection from a stop-loss insurer. This insurer reimburses edHEALTH for any part of a particular claim that exceeds $750,000.

Members work with the actuaries to pick a Self-Insured Retention amount that balances their claims experience with the risk of paying claims and stop-lost insurance. Final rates reflect the level of risk a school wants to take and its claims experience.

December 2019 edHEALTH Newsletter

Dec 18
Happy December

Find out edHEALTH news and insights in the December 2019 digital edition of our newsletter.

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Jan 16
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We have much to celebrate as this past year brought so much good news for edHEALTH and our member/owner schools. We now have 22 educational institutions and ...

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November 2019 edHEALTH Newsletter

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November News

Find out edHEALTH news and insights in the November 2019 digital edition of our newsletter.

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