National Underwriting Services Logo Medical Stop Loss Program

In August 2020, One80 announced that we had acquired National Underwriting Services, Inc. (NUS), a full service Managing General Underwriter of medical stop loss insurance. Now known as NUS/One80, the team and services have all remained.

Founded in 1985 and headquartered in the San Antonio, TX area, National Underwriting Services is a specialty underwriter of medical stop loss coverage for self-funded employers across the United States. At NUS/One80 we take pride in our customized approach to our products and services, meeting the specialized needs of our brokers and insureds. Whether it be a traditional PPO, Medical Reference Based Price or other stop loss programs, we are uniquely positioned to provide tailor made solutions to meet their customer needs.

NUS/One80 partners with Greenwich Insurance Company rated A.M. Best, A+ (Superior) and Fidelity Security Life Insurance Company rated A.M. Best, A (Excellent). Using a controlled distribution model, both NUS and their carrier partners deliver personalized and efficient service to a limited number of third party administrators and select producers throughout the country.

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NUS/One80 Services Overview

The target classes and typical risks we focus on for this program are:

Small to medium sized regional third party administrators with:

  • High Service Standard
  • Strong Market Presence
  • An emphasis on Claims Management
  • An interest in Medicare Reference Based Pricing (MRBP)

The highlighted features of this exclusive program include:

  • For stop loss products, the minimum specific deductible is $25,000 (any lower requires single-case approval), and the minimum number of employees is 51
  • Access to vendor partners that specialize in MRBP claims repricing, patient and provider advocacy, plan document preparation and assistance with provider challenges
  • Experience with direct provider contracts or limited network usage
  • Medicare/Reference Based Underwriting
  • Terminal Liability
  • Specific Advance Funding
  • No Laser & Renewal Cap Options
  • Monthly Aggregate Accommodations
  • Aggregated Specific Deductibles

The available coverages we have to offer for this program are:

  • Traditional Stop Loss Coverage
  • Medicare Reference Based Pricing (MRBP)
  • Minimum Essential Coverage (MEC)
  • Minimum Value Plans (MVP)
  • Captive Underwriting

In order to submit your business with us, please be aware of the following submission requirements:

  • Employer Name & Locations
  • Employer SIC Code
  • Excel Census by Location & Plan Options
  • Specific Deductible (current and proposed)
  • Contract Basis (current and proposed)
  • Current Rates and Factors (Renewal if available)
  • Current and Proposed Benefits
  • Current and Proposed Cost Containment Vendors
  • Current PPO Savings Report
  • Proposed PPO Information
  • 2-3 Years Claims Experience
  • Claim Details at or Expected to Exceed 50% of Specific
  • Deductible
  • Trigger Diagnosis Claims Details

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