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Excess of Loss
In today’s healthcare market, unpredictable, catastrophic medical claims have the potential to disrupt financial performance and strain the solvency of risk-bearing entities. Whether it’s extreme Out-of-Network claims, astronomical Cell & Gene Therapy costs, or severe Transplant costs, Excess of Loss coverage is an effective solution to mitigate the financial volatility caused by catastrophic claims.
Chatham offers a wide range of Excess of Loss solutions to risk-bearing entities. Our product offerings include:
- HMO Reinsurance
- Medical Excess Reinsurance
- Provider Excess of Loss (including ACO Reach and KCC participants)
Our Expertise: Chatham’s team of Excess of Loss experts uses a data-driven approach to underwriting that combines industry-leading actuarial models, intricate pricing tools, and client-specific data. This allows us to provide a wide range of cost-effective coverage options, which we tailor to clients’ risk preferences and deliver through strong, financially-backed carrier partners.
Client Support: Once a policy is in effect, clients benefit from:
- Industry-leading claims processing for timely and accurate claims payments
- Access to a suite of curated cost containment vendors that specialize in mitigating catastrophic claims
HMO Reinsurance and Medical Excess Reinsurance: As the frequency of exorbitantly expensive medical claims continues to rise, Chatham’s team of experts has the expertise and capabilities to structure reinsurance solutions that help manage and mitigate claim costs. Our team has a thorough understanding of governmental healthcare programs, commercial, exchange, captives, insurance companies and other risk-bearing entities. We then take the time to understand the unique circumstances of our clients and create sophisticated reinsurance solutions designed to meet their individual needs.
Provider Excess of Loss: As healthcare continues to shift away from Fee-For-Service payment structures and towards value-based financial arrangements, provider-based organizations are bearing more risk than ever before. Whether it’s a capitation model or an ACO Reach model, Chatham offers Provider Excess of Loss coverage that protects provider-based organizations from the financial volatility and strain caused by catastrophic medical claims.
