Long-standing experience in self insured insurance consulting
Stop-loss coverage is complex, with significant financial implications for self-funded health plans. Partnering with a consultant ensures informed decisions, reduces risk, and improves financial outcomes. It’s about leveraging expertise to navigate a nuanced industry confidently.
Since 1989, we’ve built a solid foundation in the broader insurance sector, and since 2001, we’ve honed our expertise specifically in stop loss coverage. With over two decades focused solely on stop loss, we bring unparalleled knowledge and insights that few in the industry can match.
Since 1989, we’ve built a solid foundation in the broader insurance sector, and since 2001, we’ve honed our expertise specifically in stop loss coverage. With over two decades focused solely on stop loss, we bring unparalleled knowledge and insights that few in the industry can match.
Meet our Founder
Stephanie Chtata
Stephanie Chtata is the President and Founder of Overt Stop Loss, holding a MBA and MHA degrees. Before founding Overt Stop Loss, she founded SA Benefit Services, stop loss general agency, in 2011. Prior to that, she managed the stop loss insurance department at TML IEBP in Austin, Texas.With over 35 years of experience in the health insurance and medical stop loss industry—spanning brokerage, TPA, PBM, and claims administration—Stephanie brings exceptional attention to detail and deep expertise in stop loss. Her knowledge empowers clients with tailored solutions that align with their self-funded plan needs. Known for her client-focused approach and strong negotiation skills, Stephanie consistently delivers competitive stop loss consulting strategies for self-funded entities.
Testimonial
"Overt Stop Loss has transformed the way we manage our stop loss and self-funded health plan. Their StopLossIQ+Analytics platform gave us and our broker full visibility into medical and prescription claims data, helping us identify cost drivers and make smarter, data-driven decisions. Even more impactful, the StopLossIQ+Funding program eliminated cash flow disruption by reimbursing both specific and aggregate claims before we pay providers.
Together, these tools provide financial stability, confidence, and peace of mind. Overt Stop Loss collaborates seamlessly with our medical broker, bringing specialized expertise we didn’t realize we were missing. Having a dedicated stop loss consultant has truly been a game changer."
– CFO, Public Entity Client
Meet our Founder: Stephanie Chtata
Stephanie Chtata is the President and Founder of Overt Stop Loss, holding a MBA and MHA degrees. Before founding Overt Stop Loss, she founded SA Benefit Services, stop loss general agency, in 2011. Prior to that, she managed the stop loss insurance department at TML IEBP in Austin, Texas.With over 35 years of experience in the health insurance and medical stop loss industry—spanning brokerage, TPA, PBM, and claims administration—Stephanie brings exceptional attention to detail and deep expertise in stop loss. Her knowledge empowers clients with tailored solutions that align with their self-funded plan needs. Known for her client-focused approach and strong negotiation skills, Stephanie consistently delivers competitive stop loss consulting strategies for self-funded entities.
