Welcome to IBA


Stop-loss is a form of reinsurance for self-insured employers that limits the amount the employers will have to pay for each person’s health care (individual limit) or for the total expenses of the employer (group limit).

IBA maintains solid business partnerships with some of the largest and best known Stop-loss carriers. This allows our clients to obtain the most competitive Stop-loss rates in the marketplace.

Type of Stop-Loss

Specific Stop-Loss: When an insurance claim reaches the threshold set or chosen by the employer, coverage is initiated and the stop-loss policy would pay claims up to the lifetime limit per employee for the self-insurance medical plan.

Aggregate Stop-Loss: In this type of insurance, coverage is initiated when the employer’s self insurance total group health claims reach a stipulated limit set or selected by the employer.

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