Medical Stop Loss Insurance from Alexander J. Wayne & Associates, Inc.
Alexander J. Wayne & Associates, Inc. places hard-to-find Medical Stop Loss programs for both fully insured and self-funded employer groups. We offer broad market access — including top U.S. carriers and Lloyd’s of London — so you can access admitted and non-admitted excess medical capacity depending on the client’s state and needs. Whether you’re placing groups as small as 50 lives or much larger employers, we help design flexible stop loss structures that balance protection and cost.
Ideal Accounts and Appetite
Our stop loss solutions are targeted to brokers and agents who work with mid-sized to large employers seeking to manage catastrophic medical risk. Typical fits include:
- Employer groups with 50+ lives
- Employers newly moving from fully insured to self-funded arrangements
- Groups seeking creative alternatives to standard health plan buyouts
- Accounts with known high-cost exposures (transplants, oncology, catastrophic claims)
We welcome challenging placements — high claims volatility, prior large claims, and unique exposures are often exactly the business our markets will consider. We’ll analyze your client’s experience and recommend appropriate specific deductibles, corridor options, and contract features.
Coverage Highlights and Ancillary Services
In addition to standard specific and aggregate stop loss, our capabilities include a range of ancillary and specialty coverages to complete a self-funded program:
- Transplant-specific stop loss
- Group Life Insurance
- Dread Disease Insurance
- Travel Accident programs
- Medical Indemnity coverage
- Medicare Supplement options
- Provider Excess Insurance
- Benefit Captives (South Carolina)
We also help connect you with experienced TPAs, actuaries, utilization review vendors, and provider network partners to support plan design, pricing, and administration.
Underwriting Flexibility and Program Details
Our underwriters are pragmatic and creative. We’ll structure retention levels, corridor and aggregate features, and commission arrangements to match a client’s budget and risk tolerance. Expect a hands-on underwriting review that looks at current claims trend, large claim history, stop loss attachment preferences, and any clinical exposures that may require tailored language or sublimits.
Available Markets and Territories
We place business with a select group of major U.S. carriers and Lloyd’s of London (domestic and London open market). Solutions may be offered on an admitted basis in some states and as non-admitted placements in others to secure competitive capacity. Our reach includes all 50 states and Washington, D.C., with capability in major markets such as CA, FL, IL, NY, and TX as well as traditionally harder-to-place states.
Why Partner with Alexander J. Wayne & Associates
As a wholesale broker focused on stop loss, Alexander J. Wayne & Associates brings deep market relationships and decades of experience placing complex excess medical risk. We provide prompt quoting, problem-solving underwriting, and access to specialty solutions that many brokers cannot obtain directly. Our goal is to help you win and retain business by delivering competitive terms and practical implementation support.
Call us today and ask how Alexander J. Wayne & Associates can help you place hard-to-place Medical Stop Loss Insurance accounts.
Frequently Asked Questions
What types of accounts are a good fit for this Medical Stop Loss program?
Our program fits employer groups with 50 or more lives that are self-insured or transitioning from fully insured plans. We also place high-risk or claims-volatile groups that need customized stop loss structures.
Do you offer additional services beyond stop loss coverage?
Yes. We can connect you with TPAs, actuaries, provider networks, and utilization review partners, and we place ancillary coverages such as transplant, group life, and dread disease insurance.
What carriers do you work with for Medical Stop Loss?
We work with a select group of major U.S. carriers and Lloyd’s of London, providing admitted and non-admitted options depending on the state and client requirements.
Can you help with small groups under 100 employees?
Yes. We can assist with groups as small as 50 lives and will tailor structures to the group’s risk profile and funding goals.
In which states is this program available?
We can place Medical Stop Loss nationwide, including all 50 states and Washington, D.C.; admitted availability varies by carrier and state.
Need help placing an account? Connect with a market specialist.