Medical Excess

Medical Excess provides catastrophic healthcare risk solutions to organizations that are at risk for the healthcare of their members. We distribute our products through a select number of qualified Claims Administrators and brokers. Providing clients with value added capabilities is a commitment we make to our Producers.

Medical Excess is a member company of the Commercial Insurance Group, a division of AIU Holdings, Inc. and is a provider of Employer Stop Loss on behalf of its carriers since 1974. The company maintains underwriting offices in South Coast Metro, CA and Indianapolis, IN.

Capacity to write business in all 50 states
Direct access to underwriters and claims personnel
1st dollar transplant carve out program to help stabilize stop loss rates, with direct claim payment
Access to MedCAT care and cost management services

Classes of Business:

Single Employer, Taft-Hartley Groups, Associations, MEWA's, PEO's*

Minimum Covered Employees:

100 employees (50 employees with Medical Excess underwritten Transplant Program)

Participation Requirements:

75 % of total eligible employees

Specific Deductible:

Minimum $20,000

Aggregate Corridors:

25% standard, lower corridors available subject to underwriting approval

Specific Maximum:

$1,000,000 (higher maximums may be available)

Aggregate Maximum:

$1,000,000 Maximum

Family Specifics:

Available with $25,000 minimum specific level

Waiver of Actively at Work:

Available subject to underwriting approval

Contracts:

Incurred and Paid Time Periods offered (others available upon request):
12 months/12 months (12/12)	12 months/15 months (12/15)
15 months/12 months (15/12)	24 months/12 months (24/12)

Specific Cash Flow Assistance Benefit
An advanced funding option to help ease cash flow burdens

Aggregating Specific Corridor
Creates a corridor of risk above the specific deductible, which the employer assumes

Monthly Aggregate Accommodation
Protection against a potential aggregate claim

Specific or Aggregate Terminal Liability
Employer has the option to purchase, at policy inception, an additional three months of "run-out" coverage that will apply if policy terminates at end of coverage period

Family Specific Deductible
Allows the covered expenses of any covered family member or a combination of covered family members to be used to satisfy the specific deductible

Identity Theft
Included for groups with fewer than 1000 employee lives covered under their Stop Loss Policy

AdvantagePlus*
When Medical Excess underwritten Organ Transplant and Excess Loss policies are purchased together, the Excess Loss Policy will be upgraded to the AdvantagePLUS - No Laser Program at no additional charge for qualified groups.
*The renewal increase cap assumes that the second year renewal (and subsequent renewals) will include terms and conditions similar to the 1st year policy.