Administrative Services Only (ASO) is an effective option for a larger employer to control costs of Dental, and on occasion Extended Health benefits.  An insurance component  is provided to protect an Employer against very high claims by including Stop Loss insurance.  Beyond that, the Employer arranges to cover the cost of claims  – whatever that cost may be.  There is no “loss ratio” to drive a renewal.  An Administrator, either the Insurer or another third-party,  must be engaged  to settle…