Stemming the risk of capitated contracts: what providers should consider when buying stop loss insurance.

Whether an organization decides to purchase stop loss insurance from an HMO or a stop loss specialist, the decision-makers should read and understand each proposal. This information is best obtained by working with a qualified insurance expert who understands stop loss insurance and managed care and health care contracting practices. The stop loss carrier's overall commitment to the organization purchasing its policy should be to provide the best possible service and protection against the financial consequences of catastrophic claims.