Medical Excess

Medical Excess coverage from HCC Life Insurance Company (HCC Life) can help bring stability to the business plan and balance sheet of insurance companies that sell health insurance or stop loss coverage. Our numerous Medical Excess coverage options are designed to fit the needs of the insurer’s population. Combined with our Clinical Consulting Unit (CCU) available for consultation, HCC Life offers client-focused risk management solutions.

Product Overview

• Specific (per person) excess coverage
• Flexible deductible levels
• Comprehensive coverage
  –  Incurred in 12 months
  –  Submitted in 25 months
• Contracts that clearly define eligible expenses
• Commitment to prompt, responsive claims service
• Clinical Consulting Unit (CCU)
• Timely experience reports

Coverage Availability

• Fully insured group medical
• Fully insured individual medical
• Medical stop loss written by carriers/MGUs

Coverage Options

• Aggregating specific coverage
• Extended carry-forward option
• Step-down deductible (newborns and burns)
• Different deductibles by line of business
• Alternative funding arrangements
  –  Experience refund
  –  Swing rates
  –  Riskshare corridor

• Contract year or risk attaching coverage
• Coinsurance option
• Flexible specific lifetime maximums

HCC Life Advantage

• Proven track record of consistent and stable underwriting
• Consistent long-term pricing methodology validated by our continuing success and long-term client relationships
• Underwriting credits for your network and management skills
• Partnership philosophy offers consultative support to provide solutions
• Knowledgeable staff and dedicated resources ensure superior customer service
• Access to multiple transplant networks through the HCC Life Agreements
• Financial strength; rated A+ (Superior) by A.M. Best Company

Value-added Services
Clinical Consulting Unit  – Our Clinical Consulting Unit (CCU) provides innovative, client-focused clinical and financial consultative resources. CCU offers expert guidance on ways to improve quality, conserve health benefits, and moderate the costs of low-frequency, high-cost medical events. We partner with clients to find healthcare solutions while refraining from interfering with decision-making by physicians and patients. 

Claims Paying Commitment – Paying claims accurately, efficiently, and on time is a top priority. Our claim consultants are committed to providing a superior customer service experience with every interaction while adhering to prompt claim turnaround guidelines.

For customized healthcare risk management solutions, call your approved broker or HCC Life Account Representative toll free at (877) 843-5743.