Health Plan Reinsurance

Helping HMOs and other health plans manage capital by protecting against catastrophic claims, RBS Re’s excess of loss reinsurance helps to safeguard plans against claims that exceed a selected retention level and coinsurance. Coverage can be designed with a variety of options to meet nearly any plan’s risk tolerance.

Eligible expenses can include:

  • Hospital inpatient and outpatient, or inpatient only
  • Organ transplants
  • Medical or professional fees
  • Pharmaceuticals
  • Out-of-area emergencies
  • Comprehensive (all services)


RBS Re's reinsurance programs include:

  • Flexible deductibles and per-diem levels
  • No per diem limitation options for inpatient facility coverage
  • Alternative funding options
  • Continuation of coverage (ensures member benefits will be continued in the event of plan insolvency as required by state law)


All plans get the additional value of services provided through our Navigator program, allowing additional claims management savings from the first dollar.

Contact the RBS Re team to learn about our history of success and see how we can bring our expertise to your health plan.


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

Learn more.