XGroup Benefits helps companies decide which benefits to self-fund and provides Stop-Loss protection. Self-funded plans pay employee claims from the company’s budget, while Stop-Loss coverage transfers costs above a set limit to an insurer, ensuring financial stability.
Greater Control Over Funds
Employee claims are paid from the company budget, allowing better management of healthcare costs
Risk Mitigation with Stop-Loss
Stop-Loss coverage protects businesses from unexpected high claims by covering amounts over a predetermined limit
Lower Administration Costs
XGroup Benefits clients pay only for actual claims, not estimated premiums, reducing administrative overhead. Expenses are never charged for claims exceeding the Stop-Loss level, as the insurer manages overages. This approach provides competitive pricing and clear cost visibility
Pay Only for Paid Claims
No cash advance or prepayment needed — clients are charged only for what is actually used
Transparent, Competitive Pricing
Expenses above Stop-Loss limits are managed by the insurer, ensuring predictable costs
Full-Service Administration
With over 25 years of experience, XGroup Benefits provides comprehensive administration for more than 1,000 businesses and 100,000 employees nationwide. Integration with payroll, HR, and time management systems reduces errors, while personalized booklets and dedicated account representatives ensure a smooth experience for employers and employees alike
Nationwide Expertise
25+ years serving businesses and employees across the country
Seamless Integration
Combine benefit administration with payroll and HR systems to minimize errors
Personalized Support
Employees receive clear program booklets, and clients have a dedicated representative for guidance
What Plans Do We Offer?
Major Medical
Group medical coverage for employees and their families
HSA Major Medical
Employers pay for actual claims rather than estimated premiums, improving cost transparency and efficiency
Visit Limit (VL) Plans
Plans with defined visit limits to balance coverage and affordability
Need Help Selecting a Plan?
Our experts are ready to guide you through the options and find the right fit for your company
