Catastrophic Claims Could Break Your Budget.
Stop Loss Protects It.

Stop loss insurance is the financial firewall that prevents catastrophic claims from unraveling years of planning. With gene therapies costing up to $3.5 million and complex medical cases capable of derailing an entire budget, self-funded employers need reliable protection. Fox Everett’s Stop Loss Insurance Placement delivers that protection through strategic market positioning, expert negotiation, and coverage tailored to your unique risk profile.

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$150M+

in Annual Claims

80+

Years of Expertise

24,000+

Members

Trusted Carriers, Not Crowded Spreadsheets.

When carriers know they are spreadsheet fodder, they don’t sharpen their pencil.  When they have a winnable case…they lean in!  That’s our strength is simple…fewer carriers, better results for our clients.

Expert Placement
Beyond Basic Coverage

Stop loss isn’t one-size-fits-all. We go beyond standard terms with deep expertise, market knowledge, and relationships that deliver smarter protection.

Strategic Market
Navigation

We know which carriers excel in different risk categories and how to structure proposals that generate competitive responses — putting you in the best position.

Customized Coverage
Design

Every employer faces unique exposures. We tailor coverage to your claims history, demographics, and risk tolerance to deliver protection without waste.

Direct Access to
Decision Makers

We skip the phone trees and auto-underwriters.  Fox Everett works directly with executives, underwriters, and clinical risk managers for clear answers when it counts

Stop Loss Claims Management

Financial Assurance

Claims management is a Fox Everett hallmark and is delivered on every case. Decades of trust with carriers translate into faster decisions and predictable cash flow. Where others push volume and hope something lands, we assemble a complete evidence package and meet with decision makers one to one. Carriers respect the preparation and the partnership because they know we bring real cases and they want to win the business.

Proactive Intervention

Clinical Risk Management Integration

Our clinical team reduces the impact of catastrophic claims through early intervention, robust care management, and strong vendor partnerships. By proactively addressing high-cost conditions, we help employers maintain financial stability while ensuring members receive the right care at the right time.

Specialized Expertise

ransplants and complex oncology cases managed with precision

Pharmacy Oversight

Careful management of specialty pharmaceutical utilization

Critical Care Support

Targeted strategies for complex neonates and high-risk infants

Rare Disease Focus

Coordinated pathways for uncommon, high-cost conditions

Choose a Carrier Partner, not just an insurance vendor.

Get more predictable renewals year after year by choosing a carrier who is in it for the long-haul with you.  Yes, it’s possible and Fox Everett can help avoid the headaches of constantly shuffling carriers.

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Operational Confidence

Administrative Support Built In

Even if you work with another TPA, our stop loss placement provides the trusted administrative backbone needed to keep operations smooth and accurate. From initial disclosures through final reimbursement, our processes create clarity, reduce errors, and ensure confidence for both employers and brokers.

Disclosure Management

Transparent data collection and presentation for accurate underwriting

Premium & Commission Administration

Timely, precise processing with built-in quality checks

Stop Loss Claims Management

End-to-end handling, from first notice to reimbursement

Ongoing Oversight

Continuous monitoring and reporting to prevent delays or discrepancies

Partnership That Drives Results

We operate as an extension of your team, aligning incentives and communication so every placement moves forward with clarity and confidence.

Broker & Consultant Support

We strengthen each opportunity by viewing it from multiple perspectives and anticipating market challenges before they surface. Our focused carrier relationships, disciplined underwriting alignment, and transparent process design reflect your specific needs. The outcome is cleaner proposals, smoother execution, and sustainable growth for you and your clients.

Long Term Strategic Planning

Our underwriting team balances immediate protection with long term strategy, blending market intelligence, claims analytics, and thoughtful plan design. We help you evaluate risk more precisely, structure programs that can adapt to change, and build renewal paths that protect budgets while improving member experience over time.

"From the very first call, I could tell Fox Everett wasn't just another TPA. They took the time to understand our challenges and walked us through every step of our transition to self-funding. Their team feels like an extension of ours—responsive, knowledgeable, and always willing to go the extra mile."

— Susan R., HR Director

"I’ve worked with several benefits administrators over the years, and Fox Everett stands out by a mile. Their personal touch, clear communication, and commitment to making the self-funded model work for us have been outstanding. It’s refreshing to work with a team that genuinely cares about our employees and bottom line."

— Darren M., CFO

"We were nervous about moving to a self-funded plan, but Fox Everett made it feel easy. Their customer service is second to none, as our calls are answered timely, questions are explained thoroughly, and they even helped train our internal staff. We’re not just a number to them."

— Lindsay K., Benefits Manager

"What I appreciate most about Fox Everett is how hands-on they are. When issues arise, I don’t get passed around—I get answers. Their team has helped us build a smarter, more flexible plan for our employees, and they make it personal every time."

— James T., CEO

Fast Track Your Stop Loss Quote

Share the essentials in one secure form so underwriting can price with precision and speed. This intake consolidates plan design, population data, prior experience, and your requested stop loss terms. Clear inputs now prevent back and forth later and protect your timeline.

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