Got a few minutes?
Rob and Abby talk MTP
Our focus is to better manage this very volatile and expensive category of risk, while providing the best possible outcomes for patients.
Rob and Abby talk about the Managed Transplant Program (MTP) from Optum. This fully insured product carves the risk of transplants out of the self-funded plan.
When coupled with Optum Stop Loss, the MTP premium is often offset, making for a robust and expense-neutral package for your clients.
Features and Benefits
Minimize risk
Optum Stop Loss insurance minimizes risk with a policy that aligns with the plan document. It also provides:
- Advanced funding through the 365th day of the policy year
- A 12/15 incurred policy with no gaps in coverage as long as the group renews their stop loss coverage with Optum
Ease of administration
Optum delivers prompt and efficient turnaround on claims reimbursement, including:
- A dedicated claims examiner and clinical resource
- Flexibility on lock-in dates
- A dedicated Stop Loss account manager assigned to service each Stop Loss account
Experience Reward option
Our unique Experience Reward option provides a premium refund up to 15 percent of net specific Stop Loss premium for groups with excellent claims experience. Groups must renew Stop Loss coverage with Optum to be eligible to receive the Experience Reward payment.
Step-down deductible
Specific deductible is reduced by 15 percent when a covered patient uses a pre-approved Optum Centers of Excellence network facility at the contracted rate. Our COE network is comprised of industry-leading specialty facilities and providers across the country.
Get Smart on Stop Loss: Podcast series
Insurance coverage provided by or through Unimerica Insurance Company, and in California Unimerica Life Insurance Company.
Featured insights
Expert perspective
Taking the worry out: Transitioning from fully insured to self-funding and stop loss
The first in a series of interviews with Optum experts for brokers and other professionals serving the mid-sized market.
White paper
Gaining Steam: Mid-Market Interest in Self-Funding and Stop Loss
For years, large employers have self-funded their health benefits. Today, as the health care market continues its transformation, many mid-sized and even smaller companies are considering joining their ranks.