Managing Health Care Risks
Through RBS Re, a program of HM Insurance Group, we offer catastrophic excess coverage options for health plans, including HMOs and ACOs. In addition, we design programs for providers, health care industry employers that self-fund and other risk-bearing entities. Our products and services include:
Health Plan Reinsurance – Reinsurance can assist HMOs and other licensed health plans and risk-bearing entities with growth and capital management strategies by protecting against catastrophic claims that exceed selected retention and coinsurance levels.
Provider Excess – By analyzing coverage needs, claims experience, case mix and financial risk, RBS Re’s reinsurance products assist provider organizations in minimizing their financial exposure from catastrophic claims.
ACO Reinsurance – We provide commercial, Medicaid and Medicare ACOs solutions to mitigate catastrophic exposure and tools and services to help clients address a wide range of financial risk areas.
Employer Stop Loss – As a program of HM Insurance Group, RBS Re combines marketplace knowledge and reinsurance expertise to provide a variety of Stop Loss solutions for health plans with self-funded or administrative services only (ASO) groups.
Navigator – To assist in the management of catastrophic health care claims, RBS Re offers Navigator, a suite of services designed to complement and enhance our clients’ existing medical case management practices. Navigator services can provide additional resources at the time of a catastrophic diagnosis or significant first-dollar claim event and include: Cancer Management, Neonatal Care Management, National Transplant Network, Independent Medical Review, Hospital Bill Audit and more.
Visit rbsre.com to learn more.
Disclaimer In all states except New York, coverage is underwritten or reinsured by HM Life Insurance Company or Highmark Casualty Insurance Company, Pittsburgh, PA, under policy form series HM PEL 1105, HC PEL 1105 or HM 1005-ELR or similar. In New York, coverage is underwritten or reinsured by HM Life Insurance Company of New York, New York, NY, under policy form series HMNY PEL 1105, HMNY 1005 ELR or similar. RBS may provide certain administrative and customer support services. RBS Re, South Miami, FL, may provide certain administrative and customer support services. The coverage or service requested may not be available in all states and is subject to individual state approval.