Long-term thinking
We focus on stable, consistent pricing from the start, with no surprises at renewal.
As long-term partners, we're committed to helping you win and retain groups for years to come.
The preferred stop-loss solution for small groups
Healthcare Built to Last
Modern plan builders are delivering innovative healthcare solutions to employers and trust Arlo for accurate, customized underwriting with a commitment to long-term stability.
The preferred stop-loss solution for small groups
Healthcare Built to Last
Modern plan builders are delivering innovative healthcare solutions to employers and trust Arlo for accurate, customized underwriting with a commitment to long-term stability.
The preferred stop-loss solution for small groups
Healthcare Built to Last
Modern plan builders are delivering innovative healthcare solutions to employers and trust Arlo for accurate, customized underwriting with a commitment to long-term stability.
The preferred stop-loss solution for small groups
Innovative plan builders trust Arlo for accurate, customized underwriting with a commitment to long-term stability.
What is Arlo
Our core product
Arlo is a stop-loss insurance MGU and we offer coverage for small, self-/level-funded employers. Here are some highlights on our basic coverage offering.
Group Size
5 - 125 enrolling employees with a 50% (or greater) participation.
Coverage Type
Aggregate-only coverage, optimizing on total cost for small groups.
Contract Terms
Our policies are 12/18 by default.
States
We write policies in all states excluding WA, NY, and OK.
Networks
We underwrite >20 networks (national PPO, regional HPNs, etc) and reference-based pricing.
Backing Insurance Carrier / Paper
We partner with carriers rated A by AM Best.
Don't see what you're looking for?
This is our standard offering but we can help with your custom needs.
What is Arlo
Our core product
Arlo is a stop-loss insurance MGU and we offer coverage for small, self-/level-funded employers. Here are some highlights on our basic coverage offering.
Group Size
5 - 125 enrolling employees with a 50% (or greater) participation.
Coverage Type
Aggregate-only coverage, optimizing on total cost for small groups.
Contract Terms
Our policies are 12/18 by default.
States
We write policies in all states excluding WA, NY, and OK.
Networks
We underwrite >20 networks (national PPO, regional HPNs, etc) and reference-based pricing.
Backing Insurance Carrier / Paper
We partner with carriers rated A by AM Best.
Don't see what you're looking for?
This is our standard offering but we can help with your custom needs.
What is Arlo
Our core product
Arlo is a stop-loss insurance MGU and we offer coverage for small, self-/level-funded employers. Here are some highlights on our basic coverage offering.
Group Size
5 - 125 enrolling employees with a 50% (or greater) participation.
Coverage Type
Aggregate-only coverage, optimizing on total cost for small groups.
Contract Terms
Our policies are 12/18 by default.
States
We write policies in all states excluding WA, NY, and OK.
Networks
We underwrite >20 networks (national PPO, regional HPNs, etc) and reference-based pricing.
Backing Insurance Carrier / Paper
We partner with carriers rated A by AM Best.
Don't see what you're looking for?
This is our standard offering but we can help with your custom needs.
What is Arlo
Our core product
Arlo is a stop-loss insurance MGU and we offer coverage for small, self-/level-funded employers. Here are some highlights on our basic coverage offering.
Group Size
5 - 125 enrolling employees with a 50% (or greater) participation.
Coverage Type
Aggregate-only coverage, optimizing on total cost for small groups.
Contract Terms
Our policies are 12/18 by default.
States
We write policies in all states excluding WA, NY, and OK.
Networks
We underwrite >20 networks (national PPO, regional HPNs, etc) and reference-based pricing.
Backing Insurance Carrier / Paper
We partner with carriers rated A by AM Best.
Don't see what you're looking for?
This is our standard offering but we can help with your custom needs.
Why we're different
We're not your typical MGU
Simplified quoting
We know hard it can be to get information from small groups.
Our process does not require IHQs or claims data to produce firm quotes.
Quick quoting
You shouldn't have to wait weeks to get a quote back.
We return firm quotes within 24 hours.
Custom undewriting model
It's not easy to accurately price cost-containment programs.
We build a custom underwriting model for your program so your groups get the full benefit of your hard work.
Easy implementation
Implementation is tricky with small groups, often requiring collaboration between multiple parties.
We help everyone stay on top to seamlessly go from quote RFP to bound policy.
Live Insights
We connect directly to your claims data sources, providing real-time reporting and clear, actionable steps to improve your groups' performance.
Integrated Rx Cost Containment
Prescription costs make up 20% of a group’s claims, and even more in some cases. Our Rx Cost Containment program is included with our coverage, reducing stop-loss premiums at no extra cost or hidden fees.
Why we're different
We're not your typical MGU
Long-term thinking
We focus on stable, consistent pricing from the start, with no surprises at renewal.
As long-term partners, we're committed to helping you win and retain groups for years to come.
Live Insights
We connect directly to your claims data sources, providing real-time reporting and clear, actionable steps to improve your groups' performance.
Rx Cost Containment
Prescription costs make up 20% of a group’s claims, and even more in some cases. Our Rx Cost Containment program is included with our coverage, reducing stop-loss premiums at no extra cost or hidden fees.
Simplified quoting
We know hard it can be to get information from small groups.
Our process does not require IHQs or claims data to produce firm quotes.
Quick quoting
You shouldn't have to wait weeks to get a quote back.
We return firm quotes within 24 hours.
Custom undewriting model
It's not easy to accurately price cost-containment programs.
We build a custom underwriting model for your program so your groups get the full benefit of your hard work.
Easy implementation
Implementation is tricky with small groups, often requiring collaboration between multiple parties.
We help everyone stay on top to seamlessly go from quote RFP to bound policy.
Why we're different
We're not your typical MGU
Long-term thinking
We focus on stable, consistent pricing from the start, with no surprises at renewal.
As long-term partners, we're committed to helping you win and retain groups for years to come.
Live Insights
We connect directly to your claims data sources, providing real-time reporting and clear, actionable steps to improve your groups' performance.
Rx Cost Containment
Prescription costs make up 20% of a group’s claims, and even more in some cases. Our Rx Cost Containment program is included with our coverage, reducing stop-loss premiums at no extra cost or hidden fees.
Simplified quoting
We know hard it can be to get information from small groups.
Our process does not require IHQs or claims data to produce firm quotes.
Quick quoting
You shouldn't have to wait weeks to get a quote back.
We return firm quotes within 24 hours.
Custom undewriting model
It's not easy to accurately price cost-containment programs.
We build a custom underwriting model for your program so your groups get the full benefit of your hard work.
Easy implementation
Implementation is tricky with small groups, often requiring collaboration between multiple parties.
We help everyone stay on top to seamlessly go from quote RFP to bound policy.
Why we're different
We're not your typical MGU
Long-term thinking
We focus on stable, consistent pricing from the start, with no surprises at renewal.
As long-term partners, we're committed to helping you win and retain groups for years to come.
Live Insights
We connect directly to your claims data sources, providing real-time reporting and clear, actionable steps to improve your groups' performance.
Rx Cost Containment
Prescription costs make up 20% of a group’s claims, and even more in some cases. Our Rx Cost Containment program is included with our coverage, reducing stop-loss premiums at no extra cost or hidden fees.
Simplified quoting
We know hard it can be to get information from small groups.
Our process does not require IHQs or claims data to produce firm quotes.
Quick quoting
You shouldn't have to wait weeks to get a quote back.
We return firm quotes within 24 hours.
Custom undewriting
It's not easy to accurately price cost-containment programs.
We build a custom underwriting model for your program so your groups get the full benefit of your hard work.
Easy implementation
Implementation is tricky with small groups, often requiring collaboration between multiple parties.
We help everyone stay on top to seamlessly go from quote RFP to bound policy.
Brokers
PEOs
Why Arlo
Why brokers choose Arlo
Arlo's proprietary, zero-overhead Synthetic Captive approach provides long-term rate stability, smoothens renewals, and helps you retain groups for the long term. Get started in no time by quoting our high-performance, ready-to-use plans
Out-of-the-Box Programs
We've designed standard PPO plans you can use right out of the box, administered by top-tier TPAs and supported by best-in-class vendors (PBM, UM, etc.). Our out-of-the-box programs will offer you the best rates.
Synthetic Captives
We use the combined power of your small group block to offer better pricing, smoothened renewals, and access to top vendors—without the high fees and legal hassle typical of traditional captives.
Integrated Cost Containment
Our plans come integrated with cost-containment solutions, driving down premiums with no hidden fees.
Live Insights
We connect directly to your claims data sources, providing real-time reporting and clear, actionable steps to improve your groups' performance.
Ready to think long term?
Brokers are turning to Arlo for its Synthetic Captive approach. Find out if it’s the right fit for you.
Brokers
PEOs
Why Arlo
Why brokers choose Arlo
Arlo's proprietary, zero-overhead Synthetic Captive approach provides long-term rate stability, smoothens renewals, and helps you retain groups for the long term. Get started in no time by quoting our high-performance, ready-to-use plans
Out-of-the-Box Programs
We've designed standard PPO plans you can use right out of the box, administered by top-tier TPAs and supported by best-in-class vendors (PBM, UM, etc.). Our out-of-the-box programs will offer you the best rates.
Synthetic Captives
We use the combined power of your small group block to offer better pricing, smoothened renewals, and access to top vendors—without the high fees and legal hassle typical of traditional captives.
Integrated Cost Containment
Our plans come integrated with cost-containment solutions, driving down premiums with no hidden fees.
Live Insights
We connect directly to your claims data sources, providing real-time reporting and clear, actionable steps to improve your groups' performance.
Ready to think long term?
Brokers are turning to Arlo for its Synthetic Captive approach. Find out if it’s the right fit for you.
Brokers
PEOs
Why Arlo
Why brokers choose Arlo
Arlo's proprietary, zero-overhead Synthetic Captive approach provides long-term rate stability, smoothens renewals, and helps you retain groups for the long term. Get started in no time by quoting our high-performance, ready-to-use plans
Out-of-the-Box Programs
We've designed standard PPO plans you can use right out of the box, administered by top-tier TPAs and supported by best-in-class vendors (PBM, UM, etc.). Our out-of-the-box programs will offer you the best rates.
Synthetic Captives
We use the combined power of your small group block to offer better pricing, smoothened renewals, and access to top vendors—without the high fees and legal hassle typical of traditional captives.
Integrated Cost Containment
Our plans come integrated with cost-containment solutions, driving down premiums with no hidden fees.
Live Insights
We connect directly to your claims data sources, providing real-time reporting and clear, actionable steps to improve your groups' performance.
Ready to think long term?
Brokers are turning to Arlo for its Synthetic Captive approach. Find out if it’s the right fit for you.
Brokers
PEOs
Why Arlo
Why brokers choose Arlo
Arlo's proprietary, zero-overhead Synthetic Captive approach provides long-term rate stability, smoothens renewals, and helps you retain groups for the long term. Get started in no time by quoting our high-performance, ready-to-use plans
Out-of-the-Box Programs
We've designed standard PPO plans you can use right out of the box, administered by top-tier TPAs and supported by best-in-class vendors (PBM, UM, etc.). Our out-of-the-box programs will offer you the best rates.
Synthetic Captives
We use the combined power of your small group block to offer better pricing, smoothened renewals, and access to top vendors—without the high fees and legal hassle typical of traditional captives.
Integrated Cost Containment
Our plans come integrated with cost-containment solutions, driving down premiums with no hidden fees.
Live Insights
We connect directly to your claims data sources, providing real-time reporting and clear, actionable steps to improve your groups' performance.
Ready to think long term?
Brokers are turning to Arlo for its Synthetic Captive approach. Find out if it’s the right fit for you.
How it works
Quoting with Arlo
Quoting with Arlo
Quoting with Arlo is quick and easy. Once our underwriting team has reviewed and setup your program, we return quotes within 24 hours.
1. Set up your program
Before quoting, our underwriting team reviews your program to build a custom model reflecting your SBCs and additional cost-containment strategies.
Review SBCs
Configure fee stack
1. Set up your program
Before quoting, our underwriting team reviews your program to build a custom model reflecting your SBCs and additional cost-containment strategies.
Review SBCs
Configure fee stack
1. Set up your program
Before quoting, our underwriting team reviews your program to build a custom model reflecting your SBCs and additional cost-containment strategies.
Review SBCs
Configure fee stack
1. Set up your program
Before quoting, our underwriting team reviews your program to build a custom model reflecting your SBCs and additional cost-containment strategies.
Review SBCs
Configure fee stack
2. Start quoting
Submit quotes through the Arlo Quoting Portal. Our tool helps you clean and standardize your submission in under 3 minutes.
Provide group information
Clean the enrollment census in < 1 min
Select plan designs
2. Start quoting
Submit quotes through the Arlo Quoting Portal. Our tool helps you clean and standardize your submission in under 3 minutes.
Provide group information
Clean the enrollment census in < 1 min
Select plan designs
2. Start quoting
Submit quotes through the Arlo Quoting Portal. Our tool helps you clean and standardize your submission in under 3 minutes.
Provide group information
Clean the enrollment census in < 1 min
Select plan designs
2. Start quoting
Submit quotes through the Arlo Quoting Portal. Our tool helps you clean and standardize your submission in under 3 minutes.
Provide group information
Clean the enrollment census in < 1 min
Select plan designs
3. Review your proposal
We return quotes within 24 hours. You can view your quote submissions and proposals from right within your dashboard.
View rates
Download PDF and Excel proposals
Override the default fee stack
3. Review your proposal
We return quotes within 24 hours. You can view your quote submissions and proposals from right within your dashboard.
View rates
Download PDF and Excel proposals
Override the default fee stack
3. Review your proposal
We return quotes within 24 hours. You can view your quote submissions and proposals from right within your dashboard.
View rates
Download PDF and Excel proposals
Override the default fee stack
3. Review your proposal
We return quotes within 24 hours. You can view your quote submissions and proposals from right within your dashboard.
View rates
Download PDF and Excel proposals
Override the default fee stack
4. Manage implementation
Closing a small group can be tricky and tedious. Our dashboard guides you through the process to make it as easy as possible.
Maintain a running todo list
Download documents
Verify final enrollment
Collaborate between TPA and broker
4. Manage implementation
Closing a small group can be tricky and tedious. Our dashboard guides you through the process to make it as easy as possible.
Maintain a running todo list
Download documents
Verify final enrollment
Collaborate between TPA and broker
4. Manage implementation
Closing a small group can be tricky and tedious. Our dashboard guides you through the process to make it as easy as possible.
Maintain a running todo list
Download documents
Verify final enrollment
Collaborate between TPA and broker
4. Manage implementation
Closing a small group can be tricky and tedious. Our dashboard guides you through the process to make it as easy as possible.
Maintain a running todo list
Download documents
Verify final enrollment
Collaborate between TPA & broker
Don't just take it from us
Hear from our partners
Hear from our partners
Ryan Cox
Principal, SLI Benefits
Arlo’s partnership has been invaluable for my block of business. Not only are they unique in their underwriting approach, but are very thorough and consultative in the process to ensure best practices are followed. They have really challenged me to become a better resource for my clients in ensuring that no stone is left unturned in finding savings within their health plan.
Adam Berkowitz
President, Level Health
We’ve put a lot of effort into designing and integrating cost-containment solutions into our programs, but Arlo is the first MGU that truly took the time to understand our approach and reflect it accurately in their quotes.
Russell Pekala
COO, Yuzu Health
As a TPA, we look for partners that match our values of honesty and responsiveness. Arlo meets this bar and also delivers a level of diligence, creativity, and accountability that is only possible because they live in the details and not on the golf course.
Ryan Carter
Director of Stop Loss, Clearwater Benefits
Quoting for small groups has always been a challenge, often requiring the same effort as larger opportunities. However, with Arlo, that’s no longer the case. They have streamlined every aspect of the quoting process, making the experience exceptional for everyone involved. Arlo has been an absolute game changer.
Ryan Cox
Principal, SLI Benefits
Arlo’s partnership has been invaluable for my block of business. Not only are they unique in their underwriting approach, but are very thorough and consultative in the process to ensure best practices are followed. They have really challenged me to become a better resource for my clients in ensuring that no stone is left unturned in finding savings within their health plan.
Adam Berkowitz
President, Level Health
We’ve put a lot of effort into designing and integrating cost-containment solutions into our programs, but Arlo is the first MGU that truly took the time to understand our approach and reflect it accurately in their quotes.
Russell Pekala
COO, Yuzu Health
As a TPA, we look for partners that match our values of honesty and responsiveness. Arlo meets this bar and also delivers a level of diligence, creativity, and accountability that is only possible because they live in the details and not on the golf course.
Ryan Carter
Director of Stop Loss, Clearwater Benefits
Quoting for small groups has always been a challenge, often requiring the same effort as larger opportunities. However, with Arlo, that’s no longer the case. They have streamlined every aspect of the quoting process, making the experience exceptional for everyone involved. Arlo has been an absolute game changer.
Ryan Cox
Principal, SLI Benefits
Arlo’s partnership has been invaluable for my block of business. Not only are they unique in their underwriting approach, but are very thorough and consultative in the process to ensure best practices are followed. They have really challenged me to become a better resource for my clients in ensuring that no stone is left unturned in finding savings within their health plan.
Adam Berkowitz
President, Level Health
We’ve put a lot of effort into designing and integrating cost-containment solutions into our programs, but Arlo is the first MGU that truly took the time to understand our approach and reflect it accurately in their quotes.
Russell Pekala
COO, Yuzu Health
As a TPA, we look for partners that match our values of honesty and responsiveness. Arlo meets this bar and also delivers a level of diligence, creativity, and accountability that is only possible because they live in the details and not on the golf course.
Ryan Carter
Director of Stop Loss, Clearwater Benefits
Quoting for small groups has always been a challenge, often requiring the same effort as larger opportunities. However, with Arlo, that’s no longer the case. They have streamlined every aspect of the quoting process, making the experience exceptional for everyone involved. Arlo has been an absolute game changer.
Ryan Cox
Principal, SLI Benefits
Arlo’s partnership has been invaluable for my block of business. Not only are they unique in their underwriting approach, but are very thorough and consultative in the process to ensure best practices are followed. They have really challenged me to become a better resource for my clients in ensuring that no stone is left unturned in finding savings within their health plan.
Adam Berkowitz
President, Level Health
We’ve put a lot of effort into designing and integrating cost-containment solutions into our programs, but Arlo is the first MGU that truly took the time to understand our approach and reflect it accurately in their quotes.
Russell Pekala
COO, Yuzu Health
As a TPA, we look for partners that match our values of honesty and responsiveness. Arlo meets this bar and also delivers a level of diligence, creativity, and accountability that is only possible because they live in the details and not on the golf course.
Ryan Carter
Director of Stop Loss, Clearwater Benefits
Quoting for small groups has always been a challenge, often requiring the same effort as larger opportunities. However, with Arlo, that’s no longer the case. They have streamlined every aspect of the quoting process, making the experience exceptional for everyone involved. Arlo has been an absolute game changer.
FAQs
What is Arlo? What does it offer?
Do I need to provide IHQs?
What group sizes can I quote with you?
What states can I quote in?
What networks can I get quoted?
Who do you work with / quote for?
Which paper do you write on?
Don't see your question listed?
If you have any other questions — please get in touch with us.
FAQs
What is Arlo? What does it offer?
Do I need to provide IHQs?
What group sizes can I quote with you?
What states can I quote in?
What networks can I get quoted?
Who do you work with / quote for?
Which paper do you write on?
Don't see your question listed?
If you have any other questions — please get in touch with us.
FAQs
What is Arlo? What does it offer?
Do I need to provide IHQs?
What group sizes can I quote with you?
What states can I quote in?
What networks can I get quoted?
Who do you work with / quote for?
Which paper do you write on?
Don't see your question listed?
If you have any other questions — please get in touch with us.
FAQs
What is Arlo? What does it offer?
Do I need to provide IHQs?
What group sizes can I quote with you?
What states can I quote in?
What networks can I get quoted?
Who do you work with / quote for?
Which paper do you write on?
Don't see your question listed?
If you have any other questions — please get in touch with us.