|
HMO Reinsurance
Excess
of Loss Reinsurance Coverage
This product protects an HMO against catastrophic claims that exceed a
selected retention level and coinsurance. Coverage can be designed to include
reimbursement for the following expenses:
|
Hospital
Inpatient Only |
Hospital Inpatient
and Outpatient |
|
Organ
Transplants |
Out
of Area Emergencies |
|
Medical
or Professional Fees |
All
Services |
Out-of-Area
Conversion
This coverage is available to members who move outside the service area. The
conversion policy allows the member to convert to an individual policy without providing
evidence of insurability.
Continuation
of Service
Ensures that member benefits will be
continued in the event of plan insolvency as required by state law.
Coverage is underwritten by HM Life Insurance Company
or Highmark Casualty Insurance Company, Pittsburgh, PA in all states
except New York under policy form series GP895, GP895C, HL601, HC601,
HL904, HC PEL1105 or similar. In New York, coverage is underwritten by
HM Life Insurance Company of New York, New York under policy form
series GP895, HL601 or similar. The coverage or service requested may
not be available in all states. |
