Stop loss carriers cannot predict pharmacy spend well.

Stop loss carriers struggle to predict pharmacy spend, especially with the volatility of specialty drugs.

To protect themselves from this uncertainty, they often build in large cushions on the pharmacy side of the premium.

The result is a rate that rarely reflects your true exposure.

A fiduciary pharmacy strategy removes that guesswork.

When pharmacy stop loss is carved out and properly underwritten, employers gain predictable costs, accurate risk assessment, and meaningful savings that traditional stop loss models usually miss.