Covering the unforeseen with more flexibility and expertise.

Our underwriting team has deep industry experience that provides us with insight into the uncertain and unpredictable environment that HMOs must operate in. This experience coupled with claims and risk management resources helps us to develop HMO Reinsurance coverage for policyholders’ complex needs.

Our appetite focus:

Managed care organizations that are financially responsible for the cost of medical services.

  • Insolvency coverage available
  • Coverage available for start-up HMOs
  • Flexible minimum premiums
  • Flexible coverage options
  • Alternative funding arrangements available, including retro funding and inner aggregate funding
  • Retentions starting from $100,000 per member per year
  • High excess options with no average daily maximum available (based on provider's size/claims history)
  • Available in most states

In Addition:

Our excess of loss reinsurance program includes

  • A specialized product designed for managed care organizations that are financially responsible for the cost of medical services
  • Experienced and dedicated claims team
  • Unparalleled customer service
  • Access to our cost-containment program
  • Limits available from $250,000 to unlimited per member per year
  • Managed care organizations that are financially responsible for the cost of medical services

In the event of a claim, you should expect a high level of performance by the people who handle it. We pride ourselves on our quality claims service and the expertise of our dedicated healthcare claims team that makes it possible. Claim management services include access to these resources to help control claims costs and insureds’ bottom lines:

  • Physician review and referral services
  • Network management services, including out-of-area networks, wraparound plans, national transplant networks and neonatal networks
  • Financial management services, including bill review and re-pricing services, subrogation services and fraud and abuse identification and protection
  • A nurse consultant for assistance with cost containment programs and services