Elan Reinsurance
Services
Protecting Your Business
with Stop-Loss Coverage
Elan Reinsurance Services (ERS) is a new Florida-authorized insurance company and a key part of the Elan group, trusted in employee benefits since 2012. ERS offers expert stop loss solutions for comprehensive employer and employee protection.
✅ Since 2016, Elan has expanded to offer diverse benefit solutions like PPO, RBP, and ASO, serving over 20,000 members in 23 states, including the U.S. Virgin Islands and Puerto Rico.
✅ ERS prides itself on being reinsured by Odyssey Re, an AM Best A+ rated carrier, ensuring its clients the highest level of financial security and reliability.
✅ ERS plays a key role in offering flexible, robust employee benefit programs, ensuring peace of mind for businesses and employees.
Why ERS Stop-Loss Coverage?
✅ Comprehensive Protection: Tailored coverage to meet your company’s needs.
✅ Industry Expertise: Over a Decade of experience in managing self-insured plans.
✅ Flexible Options: Customize specific and aggregate thresholds for your business.
✅ Superior Claims Support: Dedicated team to help manage and resolve claims efficiently.
Customizable Stop Loss Options
Our Stop-Loss Plan Features
✅Adjustable specific and aggregate deductible limit
✅Multiple reimbursement options
✅Competitive premiums
✅Wide range of specific contract terms including 12/24, 12/18, 12/15, and 12/12
Quick Proposal Fulfillment
✅Custom AI Underwriting and Modeling tools to quickly evaluate risk
✅Partnerships with Luminare Health Benefits, Odyssey RE, and Prime Therapeutics – saving time pulling resources together.
✅Proposals in less than 72 hours
Prompt Claims Reimbursement
✅95% of claims submitted for reimbursement are adjusted in within 10 business days
Our Motto: “Winning by Doing What is Right!”
At ERS, we are committed to your success, not just today, but for the future. We understand that achieving long-term goals requires a partner who is dedicated to your journey every step of the way. That’s why we are here to ensure that you not only meet your objectives but exceed them, securing a prosperous future.
Our team of expert Underwriters utilize:
✅Robust models and market data: Over 100-million-member months analyzed to set baselines, trend, and pricing models, specifically for groups under 500, and over 500 employees.
✅70% target MLR: Compliant with FLOIR’s minimum loss ratio formula.
✅Expert actuary reviews: provided by Axene Health Partners for each of our pricing models and baselines.
