Elan Reinsurance
Services
Protecting Your Business with
Comprehensive Stop-Loss Coverage
Elan Reinsurance Services (ERS) is a new Florida-authorized insurance company and an integral part of the Elan group, trusted in employee benefits since 2012. ERS offers innovative stop-loss solutions that delivers lasting protection for businesses and employees.
✅ Backed by Strength – Partnered with Odyssey Re, an AM Best A+ rated carrier, providing unmatched financial security and reliability.
✅ Driving Innovation, Together – We leverage innovation to enhance our services and stay ahead of evolving market needs. By partnering with industry leaders and harnessing AI technology, we deliver forward-thinking solutions that set ERS apart.
✅ Built for Flexibility – ERS provides stop-loss coverage and administration services for level-funded and self-funded plans, supporting robust benefit programs that give businesses and employees lasting peace of mind.
Why Choose ERS Stop-Loss Coverage?
✅ Comprehensive Protection: Tailored coverage designed around your company’s unique needs.
✅ Industry Expertise: Over a decade of company-wide expertise in self-funded plan administration and stop-loss coverage.
✅ Flexible Options: Customizable specific and aggregate thresholds to fit your business.
✅ Superior Claims Support: Dedicated expert team delivering seamless claims management.
Customizable Stop Loss Options
Our Stop-Loss Plan Features
✅Adjustable specific and aggregate deductible limits
✅Multiple reimbursement options
✅Competitive premiums
✅Flexible contract terms: 12/24, 12/18, 12/15, 12/12
Quick Proposal Fulfillment
✅AI-driven underwriting and modeling tools for rapid risk evaluation
✅Strategic partnerships with CAS, Odyssey RE, and US-RX Care streamline resources
✅Proposals delivered in less than 72 hours
Prompt Claims Reimbursement
✅95% of claims submitted for reimbursement are processed within 10 business days
Our Motto: “Winning by Doing What is Right!”
At ERS, we’re committed to your success—not just today, but for the long term. Achieving lasting results requires a partner dedicated to every step of the journey. That’s why we go beyond helping you meet your goals—we help you exceed them, securing a stronger 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 for groups under and over 500 employees, and over 500 employees.
✅ 70% target MLR: Compliant with FLOIR’s minimum loss ratio formula.
✅ Independent and Expert Actuarial Reviews – All models and baselines validated by Axene Health Partners.
