Disclosure up to 60 Days Prior to the Effective Date 

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Lock in premium rates and satisfy the disclosure requirement up to 60 days prior to the effective date on both new business sales and renewals.  MRM's sold case guidelines offer a distinct advantage to the employer that wants to place the excess loss coverage in advance of the effective date.  For more information regarding this unique program please refer to MRM-Sold Case Guidelines.

 

Small-Group Self-Funding

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Employer groups with a minimum of 100 employee lives often have limited opportunities to consider self-funding because they have little claims experience.  MRM offers competitively priced specific and aggregate excess loss coverage for such groups but with a minimum of 2 years of experience, large claimant data, monthly experience reports, and monthly subscriber enrollment.  

 

Pricing Consideration for Quality Utilization Review & Large Case Management

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Utilization Review & Large Case Management (UR/LCM) has a significant impact on both the quality and cost of medical care.  MRM offers pricing consideration based on the individual performance of each UR/LCM firm used by our TPA partners.  For a current list of evaluated UR/LCM firms contact your MRM Representative. 

 

Comprehensive List of Evaluated PPO Networks

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MRM has hundreds of national and regional PPO and EPO Networks evaluated in order to provide the most competitive excess loss pricing possible.  Please contact us to determine if your preferred networks have been evaluated. If not, your network representative can complete MRM's PPO Network Questionnaire. 

 

Excess Loss Contract Features and Options

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MRM provides excess loss contract options that offer enhanced protection for employer benefit plans.  Every excess loss contract is issued with an Advanced Specific Reimbursement option that may be elected by the plan.  In addition, the plan may choose to purchase Aggregate Accommodation to balance cash flow and/or our Aggregate Terminal Liability option which may be invoked to provide run-out protection should the group decide to return to a fully insured plan in the future.

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Eligible Industries

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Our target markets primarily include financial, professional, retail, and manufacturing (see Ineligible Industry List). However, we also provide coverage for the following industries which tend to have limited excess loss markets:

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• School Corporations or Districts (restrictions may apply)

 

• Hospitals (Domestic claims maximum 80% reimbursement)

 

• Nursing Homes

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• Trucking ​

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