What is an example of a stop-loss specific deductible?

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Stop-loss specific deductible means the deductible is tied to an individual member’s claims, and the insurer begins reimbursing only after that particular person has met their own deductible. In this scenario, the claimant has a deductible of 50,000 and total claims of 65,000. Once the 50,000 deductible is satisfied, the insurer covers the remaining 15,000. That per-person trigger—not a group-wide or time-based deductible—is exactly what stop-loss specific deductible describes.

The other descriptions describe different structures. Applying a deductible to the entire insured group for the year is group-wide, not per individual. A deductible that resets monthly describes a time-based reset rather than a per-member trigger. Applying the deductible to every individual’s annual claims describes a uniform, per-member approach but without the trigger of meeting the deductible for that specific person before reimbursement. The example shown fits the per-person trigger characteristic of a stop-loss specific deductible.