Adding an important level of confidence and security.

In an environment that requires a deep understanding of complex business and operational issues, we offer an exceptionally high level of experience and expertise to clients. Integrated provider excess insurance brings together our underwriting, actuarial, finance, claims and senior management teams to ensure policyholders' unique needs are specifically addressed from every possible perspective.

Our appetite focus:

Healthcare providers who are financially responsible for the cost of medical services under capitated contracts or any other risk-based contract.

  • Flexible minimum premiums
  • Flexible coverage options
  • Alternative funding arrangements available, including retro funding, inner aggregate funding and aggregating specific deductibles
  • Retentions starting from $15,000 per member per year for professional coverage and $75,000 per member per year for hospital coverage
  • High excess options with no average daily maximum available
  • Quota share and captive insurance arrangements available
  • Tailored solutions for emerging risks like ACOs, Bundled Payment Initiatives (BPIs) and Medicare or Medicaid Demonstration Projects

In Addition:

Our Provider Excess program includes

  • A specialized product designed for healthcare provider organizations that enter into risk-based contracts
  • Responsive and flexible underwriting solutions
  • Experienced and dedicated claims team
  • Unparalleled customer service
  • Access to our cost-containment and clinical consulting program
  • Limits available from $250,000 to unlimited per member per year
  • Healthcare providers who are financially responsible for the cost of medical services under capitated contracts or any other risk-based contract

We recognize the importance of managing risk as part of an overall approach to managing care. That’s why we have developed a package of solutions focused on attempting to minimize the impact of certain events. We provide these services to complement existing medical management programs and to help healthcare providers gain control over the wildly fluctuating costs they encounter. Our risk management program includes:

  • A variety of cost containment options
  • Customized approaches for each client
  • A collaborative approach to mitigating risk
  • Extensive national contacts
  • A specialized, experienced risk management team

In the event of a claim, policyholders 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 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