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.


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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