We translate medical stop loss captives to plain English.

At Medical Captive Underwriters, we help you navigate the complexities of medical captive stop loss with confidence and clarity.

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This stuff is complicated -
let clarity be your compass.

Watch "This STUFF is Complicated" on Youtube where Don and Andrew break down all you need to know about medical captive stop loss.

Frequency & Severity

Every claim hits your plan differently. Some are frequent but small (like annual check-ups), others are rare but massive (like organ transplants). Understanding this difference isn't just insurance theory - it's the key to making smart decisions about your clients' self-funded plan's future.

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How Long Is A Year?

The 12-15 contract language everyone glosses over? It's actually critical to whether your claims get covered. We break down why "claims don't care about your calendar" and how to avoid surprise bills that show up 18 months after someone's doctor visit.

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Stop Loss is a Reimbursement Contract

Stop-loss doesn't pay claims - it reimburses them. Once you understand this distinction, the entire world of medical captives starts making sense. Plus, Don shares why he went from classical music to insurance (and why that actually makes perfect sense).

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We are guided by our committment to transparency.

At MCU, we pride ourselves on our transparency and integrity. Our commitment to clear communication ensures you have all the information you need to make informed decisions.

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Connect with industry leaders at the HCAA TPA Summit in Dallas, July 21-23 2025.

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Unmatched Performance in Medical Captives

At MCU, we excel in providing tailored medical captive solutions for employee benefits consultants. Our innovative approach ensures that medium-sized employers achieve optimal results and savings.

Key Benefits

Our solutions offer complete transparency and no hidden fees, empowering consultants to build trust with their clients. With a focus on education, we equip you with the knowledge needed to navigate the complexities of medical captives.

Proven Results

MCU boasts a 95% client retention rate, showcasing our commitment to excellence. Our data-driven strategies ensure that your clients receive the best possible outcomes.

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Partner with MCU to transform the way you approach medical captives. Together, we can chart a course towards success and sustainability.

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Embark on a journey towards enhanced benefits for your clients. Contact us today to learn how we can help you navigate the medical captive landscape.

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Connect with us to embark on your journey towards medical captive expertise and transparency.

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