Managing Health Care Risk

RBS Re offers catastrophic excess and aggregate coverage options for health plans, including HMOs and ACOs. In addition, we offer and design programs for providers, self-funded employers and other risk-bearing entities.

Explore our products below.

Health Plan Reinsurance

Reinsurance can assist HMOs and other licensed health plans and risk-taking entities with growth and capital management strategies by protecting against catastrophic claims that exceed selected retention and coinsurance levels. 

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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. 

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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.

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Employer Stop Loss

As a program of HM Insurance Group, RBS Re combines marketplace and reinsurance expertise to provide a variety of Stop Loss solutions for employers that self-fund their health plans.

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In all states except New York, coverage is underwritten or reinsured by HM Life Insurance Company, Pittsburgh, PA, or Highmark Casualty Insurance Company, Pittsburgh, PA, under form HL 601-SL, HC 601-SL, HM PEL 1105, HC PEL 1105, HML 1105 ELR, HMC 1105 ELR; in New York coverage is underwritten or reinsured by HM Life Insurance Company of New York, New York, NY, under form HL 601-SL, HMNY PEL 1105 or HMNY 1005 ELR.  The coverage requested may not be available in all states and is subject to applicable law.  Reinsurance agreements may only reflect a form number if required to by applicable law.

Contact RBS Re

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Explore Our Navigator Program

Our program impacts clinical outcomes and adds value to our clients by assisting with and supporting claims management from the first dollar.

  • Complex Medical Management Services
  • PPO and Pharmacy Networks
  • Contract Reviews and Technical Support

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