This manual provides general guidelines for underwriting provider excess loss coverage with the main focus on specific stop loss coverage. These guidelines are intended to provide the underwriter with a documented, consistent process for evaluating each request for provider excess loss coverage. The guidelines provide general information such as evaluating the provider and the managed care organization risk contracts. The guidelines also offer advice on topics like experience adjustments, credibility, and renewal underwriting. 

The guidelines are an important tool to ensure that your product has the appropriate set of underwriting policies and procedures to support it.