Stop-Loss for Traditional Self-Funded Solutions

Big Firm.
Big Advantages.

If you run an engineering firm that self-funds it’s health benefits program, you’ll gain a big advantage when you belong to the ACEC Life/Health Trust Advantage Plan. That’s because our Advantage Plan rewards you with protection against large claims and higher than expected utilization of healthcare services, in return for self-funding your employee healthcare benefits. Our Advantage Plan features:


Earn back a portion of your

stop-loss premium based

on overall Advantage Plan

performance and your

firm’s stop-loss claims


Rate Increases

Not to exceed

an established

threshold upon


No "Lasering"
After Year One

The Trust guarantees that

during the renewal,

no new high-cost claimants

will be subject to lasering

Limited Employee Disruption

We partner with your

existing provider network

and TPA to provide excess

stop-loss coverage, eliminating

disruption associated with

changing physicians, hospitals

or service providers



The partnership between ACEC Life/Health Trust and UMR enables us to offer discounted administrative fees and administrative efficiencies, plus unique reporting capabilities to ACEC member firms not currently with the Trust or with UMR/UnitedHealthCare. This relationship offers tremendous value to a self-funded ACEC member firm.

acec-advantage-umr acec-unitedhealthcare-logo

Meritain Health

Providing access to 1.1 million healthcare providers nationwide through Aetna Choice POS II (open access) network. Meritain Health (TPA) provides all back office administration and customer service for this product.


Allied Benefit Systems

If you currently are not obtaining services from a BCBS host plan, you may be eligible to work with Allied Benefit Systems and gain access to the national BCBS PPO network.


“Health insurance is one of the most valuable benefits for our employees.  Walter P Moore has been a member of the ACEC Life/Health Insurance Trust for over four decades, and we have always appreciated the competitive pricing and focus on service.  Last year we moved to the self-insured Advantage Plan now being offered by the Trust.  The results have been impressive – we have saved money and are enjoying the advantages associated with having better control of our plan, all for the benefit of our employees.”

— Raymond F. Messer, P.E., Walter P Moore


Download the Advantage Plan group application here, and email, or fax to 469-212-1457. For questions regarding obtaining a stop-loss quote for your company, please contact the Trust sales office at 469-200-4583.


Browse our Advantage Plan online resource library, including forms, applications, product overviews and other important materials you need to take care of business now with ACEC Life/Health Trust.
Advantage Plan
Advantage Plan Overview
Advantage Plan Brochure
Advantage Plan Group Application

Brokers Welcome

If you are a health benefit consultant, there is no appointment necessary. Please submit a copy of your broker license in the sitused state of the member firm you are representing to the Trust sales office at [email protected].



UnitedHealthcare Fully
Insured Nationwide Plan

  • Product & Price Flexibility
  • Preferred Savings
  • A Broad Network
  • Streamlined Administration
  • Dedicated Service Team

For ACEC member firms seeking a fully insured employee healthcare plan. When you choose the Trust insured by UnitedHealthcare, you’ll find an array of affordable health plan options to meet the unique needs of you and your employees.Learn More


Alternate Funding Model
for Small-to-Mid-Size Firms

  • Affordable Care Act Exemptions
  • Preferred Group Rates
  • Financial Credits
  • Limited Financial Risk
  • Broad National PPO Network
  • Dedicated Service Team

The Trust Select Plan innovatively delivers an alternate funding model that combines many of the features of being self funded while providing risk protection for the small Member Firm.Learn More


High-Quality Ancillary and Voluntary Products

  • Dental Insurance
  • Vision Insurance
  • Life Insurance
  • Disability Insurance
  • Accident Insurance
  • Critical Illness Insurance
  • Cancer Insurance

The Trust has developed a strategic relationship with The Guardian Life Insurance Company of America to provide high-quality ancillary products with flexible program options, one-stop shopping and potential savings. Learn More

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Become a member of the ACEC Wellness Champion Portal. Registering for this account will provide you access to Wellness Champion materials and resources including.

  • Recorded Champion Training sessions and supplementary materials
  • Lunch and Learn presentations
  • Discussion Board

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