Medical stop loss
Self-funding gives employers control over their health plan. Rita Reinsurance makes that control safe to hold — absorbing the catastrophic claims so a single bad year never lands on your balance sheet, or on your people.
Both layers of protection, written together or on their own.
Every group is priced on its own data, not a book average.
Reimbursement handled as an operational promise, not a negotiation.
Coverage
Protection against a single catastrophic claimant. You set the individual deductible; we reimburse eligible claims above it for the remainder of the contract period.
Protection against many claims adding up. When total plan spend exceeds the attachment point, the excess becomes our responsibility rather than yours.
Structures for employers who want to keep more of the risk they can predict and cede only the tail — including group captive layers and pooled programs.
Approach
We look at claims history, ongoing conditions, plan design, and network arrangements together. That takes longer than a rate table, and it is the reason our renewals hold up.
Lasers, exclusions, and contract basis are stated plainly at quote — not discovered at claim time. If a term will cost you money later, you will hear about it before you sign.
Reimbursement runs on a defined turnaround with a named contact. Your TPA should never have to escalate to find out where a filing stands.
Ongoing visibility into large claimants, trend against attachment, and projected exposure — so renewal is a conversation you have already been having all year.
Who we serve
Self-funded plan sponsors who want the upside of self-funding without the tail risk.
Advisors who need quotes that hold their shape from proposal through renewal.
Administrators who need a carrier that answers the phone and pays on schedule.
Single-parent and group captives layering excess coverage above their retention.
Send us a census, current plan document, and 24 months of claims experience, and we will come back with an indication.
quotes@ritareins.comor email hello@ritareins.com with a general question