Specialty Health: HMO Reinsurance

Covering the Unforeseen with More Flexibility and Expertise

OneBeacon Accident & Health provides access to insurance industry expertise and tailored products, delivered through our dedicated team of sales, underwriting, and claims specialists. 

Our underwriting team has deep industry experience that provides us with insight into the uncertain and unpredictable environment that HMOs must operate in. This experience coupled with claims and risk management resources helps us to develop HMO Reinsurance solutions in support of the complexity of health care plans.

Specialized Protection and Features

  • Insolvency coverage available
  • Coverage available for start-up HMOs
  • Flexible minimum premiums
  • Flexible coverage options
  • Alternative funding arrangements available, including retro funding and inner-aggregate funding
  • Retentions starting from $100,000


  • Limits available from $250,000 to unlimited per member per year

Eligible Risks

  • Managed care organizations that are financially responsible for the costs of medical services

Our Excess of Loss Reinsurance program includes:

  • A specialized product designed for managed care organizations that are financially responsible for the costs of medical services
  • Experienced and dedicated claims team
  • Unparalleled customer service
  • Access to OneBeacon Accident & Health’s cost containment services

A Standard of Superior Claims Support

In the event of a claim, your clients should expect a high level of performance by the claims team.  We pride ourselves on our high-quality claims service and expertise of our healthcare claims team to make that possible.  Claims management services can include access to:

  • Physician review and referral service
  • Network management services, including out of area networks, wrap networks, national transplant networks and direct facility management
  • Financial management services, including bill review and re-pricing services, subrogation services, and fraud and abuse identification and protection
  • A nurse consultant for assistance with cost containment programs and service

Other Specialty Health Coverages

Medical Stop Loss

Target: OneBeacon only targets employers who select a top tier administrator and high quality cost containment vendors to actively manage their self-funded plan.

More Info

Provider Excess

Target: Healthcare providers who are financially responsible for the cost of medical services under capitated contracts or other risk-based contracts.

More Info

phoneContact Us:

OneBeacon Accident and Health
44 Whippany Road
Morristown, NJ 07960

Christy Vago

Request for information:

Click on the link to access the request for information overview for each product area. The overview will provide details of what is needed for a submission to be considered. 

Medical Stop Loss
Provider Excess
HMO Reinsurance