[Remote] Senior Stop Loss Consultant

Note: The job is a remote job and is open to candidates in USA. Higginbotham is a company focused on stop-loss consulting, and they are seeking a Senior Stop Loss Consultant to lead day-to-day execution and contribute to the development of their team structure and market positioning. The role involves managing stop-loss placements, client consulting, and overseeing workflows while also providing informal leadership and collaboration with internal teams.ResponsibilitiesLead or support the full stop-loss placement process: data collection, market submissions, quote analysis, and recommendationNegotiate stop-loss contracts and renewals directly with carriers to ensure optimal pricing, terms, and coverage structuresServe as a stop-loss lead on new business opportunities and client transitions from fully insured to self-funded arrangementsOversee the stop-loss implementation process in coordination with TPAs and carrier partners, ensuring policies are issued accurately and on timeReview and reconcile contracts, disclosures, ASO provisions, and reimbursement terms for alignment and accuracyTrack all open implementation steps and ensure timely resolution of outstanding itemsMonitor large claims activity and work closely with TPAs and carriers to support timely reimbursement submissions and paymentsEscalate and resolve reimbursement delays, gray-area claims, and negotiated settlements with carriers on behalf of clientsMaintain a reimbursement and claims resolution tracker and report out internally on status and risksManage a portion of the stop-loss book, including strategic guidance on renewals, plan design, captives, lasers, and risk mitigation strategiesSupport monthly and quarterly reviews with account teams and clients; prepare client-ready deliverablesServe as a subject matter expert on stop-loss topics in client and prospect meetings alongside account executives or producersHelp direct and manage workflow for junior team members or peers as assigned, ensuring timely, accurate delivery of client workProvide training, coaching, and support on stop-loss fundamentals and best practicesCollaborate with internal teams (account management, actuarial, analytics, clinical) to ensure integrated service deliveryContribute to the development of standardized templates, reporting tools, and documentation procedures to improve efficiency and scaleSupport ongoing refinement of carrier evaluation metrics and market intelligenceParticipate in team planning sessions, business reviews, and feedback loops with leadershipSkillsBachelor's degree in Business Administration, Risk Management, Healthcare Administration, or related field. Equivalent experience may be consideredMinimum of 7 years in employee benefits, with at least 5 years of direct stop-loss consulting, underwriting, or carrier negotiation experienceExperience with a mix of fully insured, level-funded, and self-funded plans across multiple funding structures (ASO, minimum premium, captives)Familiarity with TPA models, ASO contract structures, and reimbursement mechanismsAbility to interpret and explain stop-loss terms, underwriting decisions, and claim adjudication policies to internal and external stakeholdersProficiency in Excel, PowerPoint, and internal reporting toolsExcellent critical thinking, communication, and interpersonal skillsCurrent state insurance license (or ability to obtain within 90 days of hire)Experience working with stop-loss platforms (e.g., Claros, Ringmaster) preferredCompany OverviewHigginbotham is a provider of insurance brokerage services to businesses and individuals. It was founded in 1948, and is headquartered in Fort Worth, Texas, USA, with a workforce of 1001-5000 employees. Its website is https://www.higginbotham.com.