Managed By
Through AP3, Lockton delivers disciplined underwriting strategy and coordinated group purchasing leverage to stabilize catastrophic claim exposure for self-funded healthcare organizations.
Healthcare employers navigating self-funded arrangements face escalating catastrophic claim risk.
Complex cases and specialty pharmaceuticals drive claim severity beyond traditional deductible thresholds.
Carriers apply rigorous demographic and claims history analysis to self-funded renewals.
Budget uncertainty increases as renewal projections shift dramatically from historical patterns.
Year-over-year cost increases outpace medical trend and strain operating budgets.
Individual procurement reflects single-employer risk rather than collective market influence.
Coordinated group purchasing leverage provides strategic advantage without pooled risk.
Lockton leads a Group Stop Loss Purchasing Arrangement within AP3 that provides coordinated strategic advantage.
Collective market presence strengthens carrier engagement while preserving individual employer positioning.
Each organization maintains its own policy, autonomy, and underwriting file.
Strategic carrier selection and renewal positioning based on market dynamics.
Proactive management of high-cost claimants to optimize outcomes and contain exposure.
Transparency in claims reimbursement and deductible tracking.
Ongoing data-driven insights to inform strategic decisions throughout the policy year.
Important: This is not pooled risk. Each organization maintains its own policy and autonomy. The leverage is strategic, not structural.
The Lockton AP3 Stop Loss solution aligns with healthcare organizations that:
Operating under a self-funded medical plan with stop loss protection.
Evaluating the move to self-funding to gain greater cost control.
Facing unpredictable renewal increases that challenge budget planning.
Unable to negotiate competitive terms as an individual employer.
Desiring disciplined management of high-cost claims exposure.