Provider Excess

HCC Life Insurance Company (HCC Life) simplifies the process of crafting coverage for provider groups. Our Provider Excess product takes flexibility to new heights, providing the features and options that make it easier for provider groups to match their coverage to their risk exposure. Through our team of industry experts, your clients’ excess of loss solutions are delivered with ease and flexibility.

Product Overview

• Specific (individual) coverage
• Flexible attachment point
• Incurred contracts
  – Incurred in 12 months
  – Reported in 19 months
  – Submitted in 21 months
• Coinsurance
• Contracts that clearly define eligible expenses
• eClaims Management Program
• Commitment to prompt, responsive claims service
• Clinical Consulting Unit (CCU)
• Timely experience reports
  

Coverage Availability

• Provider organizations
• Physician groups
• Hospital groups
• Capitating entities including HMOs/MCOs and government entities

Coverage Options

• High Excess coverage
• Acute care inpatient, outpatient, and sub-acute care
• Aggregating specific coverage
• Enhanced levels of ADMs (Average Daily Maximum) including unlimited ADM coverage
• Comprehensive coverage – designed to cover your clients’ most important expenses
• Different deductibles by line of business, diagnosis or claim type
• Alternative funding arrangements
  – Experience refund
  – Swing rates
  – Riskshare corridor
• Specific lifetime maximums to $5,000,000

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.

* In certain states, this product is underwritten by U.S. Specialty Insurance Company (USSIC).  USSIC is a fully-owned subsidiary of HCC Insurance Holdings, Inc.  Administration and service provided by HCC Life Insurance Company.