BeneBridge360 – Self-Funded Gap Structure (SiriusPoint)

BeneBridge360™ — Self-Funded Gap Structure (for SiriusPoint)

Layered view: Employer/TPA → MediBridge Captive & BeneBridge360™ → SiriusPoint Stop-Loss

Employer / TPA Layer MediBridge Captive & BeneBridge360™ Layer SiriusPoint Stop-Loss Layer → Process Flow Arrows
BeneBridge360 – Self-Funded Gap Structure Three stacked layers with arrows showing provider-to-TPA adjudication, BeneBridge360 buy-down in captive, and SiriusPoint stop-loss protection above thresholds. EMPLOYER / TPA (SELF-FUNDED MEDICAL) MEDIBRIDGE CAPTIVE & BENEBRIDGE360™ (GAP BUY-DOWN) SIRIUSPOINT STOP-LOSS (SPECIFIC & AGGREGATE) Provider Care delivered Bills plan Claim TPA Adjudicates claim Higher deductible (e.g., $9,200) EOB / Data feed Employer Plan Self-funded Budget (PEPM) Adjudicated claim details MediBridge Captive Pools groups (DC-based) Funds gap buy-down BeneBridge360™ Buy-down to member net deductible (e.g., $2,250) ClaimsAssist™ · AdvocateAssist™ · Negotiated savings · 0% options “Stop-loss for the member” layer No disruption to core plan Amounts above thresholds Specific Stop-Loss Per-claimant protection Underwritten by SiriusPoint Aggregate Stop-Loss Plan-level protection (e.g., ≥120–125% restrictive states; ≥110% permissive) Pooling only at reinsurance layer; avoids MEWA classification © BeneBridge360™ · MediBridge Consumer Solutions, Inc. SiriusPoint shown as stop-loss reinsurer

Quick explainer: Provider → TPA adjudicates under higher deductible → BeneBridge360™ buy-down in MediBridge Captive → SiriusPoint covers amounts above specific/aggregate thresholds. Employers are rated individually; pooling occurs at the reinsurance layer.