POWERFUL COST CONTROLS
This program provides long term rate stabilization to self-insured health plans. We understand that the complexity and costs surrounding a transplant claim are a concern for self-funded employers, especially those that are fewer than 300 employees. To address this, we have incorporated a simple solution to transplant exposures. By fully insuring our transplant coverage, we can effectively “carve out” transplant exposures from a benefit plan.
Fully-insured transplant policies provide the insured with first dollar coverage* and help to:
A transplant can hit any group at any time and it can have a devastating impact on stop loss insurance and the bottom line.
Our Simple Solution:
Diversified Group offers a simple solution to transplant exposures for self-funded employers. By “carving out” transplant exposures from a benefit plan, employers can control the catastrophic costs associated with transplants and reduce them to a budgeted per employee per month rate. This policy includes generous benefits that can fit with any employer’s self-funded health plan.
Employees will especially benefit from this coverage in that there are no deductibles or co-insurance.
* For individuals covered under a High Deductible Health Plan (as defined by the IRS), the Health Plan’s high deductible must be met before benefits will be provided under the Transplant program