Products and Services



Traditional Medical Stop Loss Insurance

Stop Loss insurance is one of the most important elements of a self-insured plan.
Medical Stop Loss insurance allows employers to limit their risk as a self-funded group.

Specific Coverage

Aggregate Coverage

Protects against large, catastrophic claims incurred by a single individual. Specific Stop Loss Coverage reimburses the employer when claims of an individual exceed a specific deductible.
Protects against higher than anticipated claims for the entire plan.


Level Funded Solutions Products

Stop Loss insurance is one of the most important elements of a self-insured plan.
Medical Stop Loss insurance allows employers to limit their risk as a self-funded group.

EZ Funding

EZ AGG™

EZ Funding combines the full flexibility of a traditional Self-Funded plan with the predictability of a level monthly payment.
An aggregate only Stop Loss product designed specifically for groups transitioning to self-funded health plans.
  • Minimum size group is 25 lives.
  • Pay your premium and aggregate factors all at once on a monthly basis to give your business better cash flow.
  • Groups are required to have a bank account specifically for claims funding factors.
  • IF an individual claimant reaches their specific deductible, ECU will pay all claims in excess of this deductible.
  • Claims are paid out of the aggregate claims fund. If the year-to- date attachment point is reached or exceeded, ECU will provide mid-month relief and pay all claims in excess of the attachment point.
  • Aggregate Accommodation and immediate reimbursement feature is automatically included on quotes at $1.50 per employee per month.
  • Specific Claims must be filed as Specific Advance, included at no cost.
  • Wide array of contract basis options and specific deductibles available.
  • Full return on unused claims funding at the end of the plan year.
  • For groups between 25-200 lives.
  • Pay your premium and aggregate factors all at once on a monthly basis to give your business better cash flow.
  • Groups are required to have a bank account specifically for claims funding factors.
  • Claims are paid out of the aggregate claims fund. If the year-to- date attachment point is reached or exceeded, ECU will provide mid-month relief and pay all claims in excess of the attachment point.
  • EZ AGG™ Terminal Liability Option allows the plan to elect coverage anytime during the contract year.
  • A 12/12 Plus™ contract option is available.
  • No Lasers.
  • Lower Maximum Cost – cost is similar to a Fully Insured program.
  • Capped Client Funding.
  • Full return on unused claims funding at the end of the plan year.

Other Product Offerings

  • Specific Advance Funding
  • Monthly Aggregate Accommodation
  • Specific and Aggregate Terminal Liability Option (TLO)
  • Aggregating Specific Deductible Option
  • No New Laser Option
  • Captive Solutions – click here to learn more about Blue Ridge Captive Solutions
East Coast Underwriters East Coast Underwriters