SELF FUNDING & STOP LOSS CONSULTING
Stop Loss & Self Funding Consulting
With over 35 years of insurance industry experience, including more than 25 years specializing in medical stop loss, Overt Stop Loss provides independent, strategic consulting services for self-funded health plans and stop loss insurance. We partner with employers, brokers, and industry professionals to develop customized solutions that optimize plan performance, control costs, mitigate financial risk, and enhance long-term financial sustainability. Through expert guidance, strategic negotiations, and proactive risk management, we help our clients make informed decisions and confidently navigate the complexities of self-funding and stop loss insurance.
More Than Consultants — Your Trusted Strategic Partner
At Overt Stop Loss, we build lasting partnerships through trust, transparency, and personalized service. Our independent approach ensures objective guidance, strong advocacy, and solutions tailored to your needs. We work as an extension of your team, always putting your best interests first.
Our Services - Tailored To Your Needs
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Self-Funding Consulting: Strategic plan evaluations, funding analysis, cost-containment strategies, and financial risk management.
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Stop Loss Consulting: Coverage evaluation, deductible analysis, policy reviews, and customized risk solutions.
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Marketing & Negotiations: Competitive bid strategy & management, carrier evaluations, renewal negotiations, and contract optimization.
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Claims Management & Oversight: Large claim monitoring, reimbursement tracking, and specific and aggregate claim filing oversight.
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Vendor Collaboration & Vetting: Vetting & coordination with TPAs, PBMs, brokers, carriers, and other industry partners.
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Committee & Board Meetings: Participation in committee and board meetings to present findings, explain recommendations, review financial performance, and support informed decision-making.
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Ongoing Strategic Support: Proactive monitoring, performance analysis, and guidance throughout the plan year.
Expertise and Knowledge
Access to Specialized Knowledge: Consultants like Overt Stop Loss have decades of industry-specific experience and insights. They stay current on trends, regulations, and best practices.
Problem-Solving Skills: Their expertise helps identify and address challenges in designing, managing, or optimizing stop-loss insurance solutions.
Consulting:
Our Approach
Listening
We take the time of fully understand your position, goals, and challenges.
Strategizing
We develop tailored solutions designed to meet your immediate needs and support your long-term success.
Implementing
We seamlessly execute the chosen solutions for a smooth transition.
Evaluating
A thorough assessment of your current arrangement to identify strengths and gaps.
Beyond Recommendations
We empower our clients with the knowledge and understanding behind every recommendation, ensuring you know not just what we recommend, but why it’s the best fit for your unique needs.
Managing
With our extensive expertise and hands-on approach, we manage every step of the process, giving you peace of mind and confidence that your self-funded health plan and stop loss coverage are in capable hands.
Ready to Engage with Us?
Contact us today.
Stephanie Chtata, MBA
(210) 845-5053
© 2026 Overt Stop Loss
Collaborating
Already have a medical benefits broker or consultant but need specialized stop loss expertise? Overt Stop Loss works alongside your existing trusted partners, providing independent self-funding and stop loss consulting services that complement their expertise and strengthen your overall benefits strategy.