HMO & ACO Reinsurance

HCP National helps ACOs, HMOs, provider groups, and other risk-bearing healthcare organizations manage exposure to catastrophic claims through HMO reinsurance and provider stop-loss coverage. We also assist with Insolvency Insurance and Conversion Coverage where required by state regulations.

With access to major insurance markets and decades of healthcare risk experience, we help organizations evaluate coverage options and structure protection around their specific financial exposures.

If your organization is evaluating reinsurance or provider stop-loss coverage, contact us to discuss your risk or request a quote.

Customized Insurance Plans & Portfolios

HCP National Insurance Services can customize your organization’s insurance portfolio to include the right HMO Reinsurance based on your HMO’s unique risk profile to include:

HCP National helps healthcare organizations understand and manage the risks associated with HMO reinsurance, including regulatory requirements, continuation of benefits, and conversion coverage.

Request a quote to discuss coverage options for your organization.

Provider Stop Loss Insurance

If your organization accepts financial risk through capitation, shared-risk arrangements, contracted per diems, defined budgets, or other value-based care contracts, provider stop-loss coverage can help protect against catastrophic claims and unexpected financial volatility.

We help risk-bearing healthcare organizations evaluate and structure provider stop-loss programs around their specific exposures, contractual obligations, and risk tolerance.

Manage Your Risks

An important part of managing financial risk under capitation, shared-risk arrangements, and other value-based care contracts is selecting provider stop-loss coverage that aligns with the organization’s specific exposures. HCP National helps structure coverage on a specific claim and aggregate claims basis, designed around the organization’s risk profile, financial objectives, and contractual obligations.

HCP National has placed over $1 billion in stop loss insurance coverage for our clients. 

If your organization is evaluating reinsurance or provider stop-loss coverage, contact us to discuss your risk.

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Since 1994 – HCP’s top priority is finding clients the best possible coverage and terms at the lowest possible cost. HCP is a certified diverse (MBE & WBENC) insurance brokerage.