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The Optimyl Benefits Self-Funded Program enables an employer to establish and provide self-funded group health coverage to its employees. Stop Loss Insurance plans are underwritten by The North River Insurance Company. C&F and Crum & Forster are registered trademarks of The North River Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2023. Vision policies are fully insured and underwritten by Vision Service Plan (VSP).