Excess Reinsurance - a managing general underwriter experienced in the complexities of shared risk pools.  

Excess Reinsurance (XS/RE) provides underwriting expertise for self-funded employers both as traditional buyers and through governmental and private shared risk pools.  Since our founding in 1989 XS/RE has been one of the pioneers of the self-funded medical benefits industry.  Almost from our inception we have worked on multiple employer pools with a focus on government (State owned) groups such as Municipalities, Townships, State Owned Colleges, Counties & more. 

Our strong foundation in medical underwriting and our long-standing Carrier relationships have allowed us the flexibility to competitively price and process intricate risk pools with multiple moving parts.  The key to shared risk pools is balancing each participating group’s needs with the strength and efficiencies which come from the creation of a larger entity. 
When partnering with XS/RE member Groups will have access to a range of unique stop-loss offerings which we have created.  Such offerings include:

• Consortium or Co-Op Risk Pools – Intergovernmental employers share risk through joint pooling of resources to improve their combined performance while protecting the individual participants.  Block underwriting techniques are used to maximize outcomes.                                                       
• Captive Programs – Management and pricing of captive risks. Our sister captive provider, Argo Capital Group, is available to serve as the captive host for this program and will provide participants with an opportunity to share in the underwriting profitability of a more stable risk pool via a Captive if this is required or preferred.
• An Aggregate-Only Level-Funded Product – Geared toward groups from 25 lives up to 500 lives, this product helps move fully insured government employers to the self-funded market and often makes more sense for Public Sector risk pools looking for a more predictable funding arrangement.
• Reference-Based Self-Funded Stop-Loss – Self-funded coverage with benefit limits based on Medicare rates plus an additional percentage. This arrangement provides solid protection to the risk pool member groups by using a known and defendable base-pricing methodology. It also avoids the abusive billing practices of certain providers who charge excessive fees for many procedures.

 
These and other products are at your disposal when you work with a seasoned professional who has 26 plus years of experience in the self-funded stop-loss arena.  Let us help you identify how best to utilize the benefits of Risk Pools through our professional management and time tested performance.    
XS/RE is one of the most reliable and respected players in the stop-loss marketplace, and we are here to help you navigate the waters in a self-funded shared risk pool environment.  We only partner with “A” and “A+” rated Carriers to provide ironclad policies and the security of more than ample funds to pay any size claim.    

Questions? Visit www.excessre.com or contact us via phone at 856-251-2280.  An experienced sales and marketing professional can review your situation and offer guidance.

Primary Contact:
Dan Rego
Senior Vice President
Ph. 856-251-2280 ext. 114
drego@excessre.com

Times are changing with regards to employer health coverage.  Let XS/RE help you navigate this new path.