Stop-Loss Management

Medical claims financing and stop-loss prevention program for self-insured claims generated by members’ employees and beneficiaries

Georgia ADS, LLC (GA ADS) is a subsidiary of Phoenix Health Care Management Services, Inc., and is committed to delivering members better health and financial outcomes.

Benefits of the Program

  • Members take on more up-front risk through our actuarially designed shared financing model
  • Lowered cash outlay and increased cash flow associated with catastrophic claims management through our shared financing program
  • Significantly reduced stop-loss premiums through a group purchasing approach
  • The power of 55,000 employee covered lives and 125,000 total covered lives
  • InfoLock predictive analytics

Value

  • Average savings per member in 2018 was $2,388,000
  • Total savings for 2018 was $33,400,000

Components

  • Self-Insured – $225,000 (members responsibility)
  • Shared Financial Layer – $225,001 to $750,000 (members are assigned an actuarially determined percentage of total claims paid)
  • Reinsurance – $750,001 to unlimited

InfoLock (powered by Lockton)

A predictive analytic and benchmarking tool, InfoLock currently includes 800 employers and 2.5 million members.

  • Leverage data through Georgia ADS
  • Transform data by identifying trends and anomalies that create opportunities for improved outcomes and cost reductions
  • Gain knowledge and insights using trends
  • Apply wisdom and learnings to drive actions and create targeted solutions

$201+ Million total savings since inception!