seCUREme

Drugs Only Stop Loss Insurance

You may already have a Self-Funded or Third Party Administered Traditional Health Benefits Plan that provides comprehensive coverage for your employees – or you may be considering implementing such a plan.

Unfortunately, these Self-Funded traditional plans often fall short in long term prescription drug coverage – a potentially catastrophic expense that is often overlooked due to the high cost of Drug protection programs – or they may not even be available.

An employee diagnosed with a chronic or serious illness such as rheumatoid arthritis, diabetes or cancer, faces the potentially debilitating financial burden of paying for long term expensive prescription medications. This can also result from unforeseen events such as an accident or a heart attack. The additional costs of these drugs over and above the plan parameters often has the largest impact on both the employee’s present and future finances.

Self-Funded Traditional health plans usually cover the onset and initial treatment – but rarely cover the need for expensive or long-term medications adequately.

Gone are the days of a Fully Insured or Self Funded Traditional Plan being able to provide employees with “unlimited drug coverage”. The formidable costs of such coverage long term are unsustainable. So how do you provide extended coverage for the critically necessary drugs that have annual maximum benefit caps on your plan?

seCUREme Prescribed Drug Stop Loss plans from Health Risk Services, protect against the financial stress resulting from these unforeseen Drug expenses. Your employees have the peace of mind knowing that they are covered for such expensive circumstances.

And you have the flexibility to select from multiple cost effective seCUREme Prescribed Drug Stop Loss options to suit the needs of your employees and your business.

seCUREme Prescribed Drug Stop Loss is a unique, innovative plan that extends the prescription drug coverage of your existing plan – conveniently and cost effectively.

seCUREme Pharma Stop Loss is only available from Health Risk Services. In addition, Health Risk acts as the administrator for seCUREme products as well as the adjudicator for seCUREme claims – guaranteeing fast and efficient service.

Contact Health Risk or your Benefits Broker today and see how seCUREme can add valuable health care coverage to your benefit plans– improving employee morale and satisfaction, while protecting your profits.