Established in 1995, RBS ReSM is a leading provider of health plan reinsurance with a reputation for insight, knowledge and innovation. Backed by the financial strength of HM Insurance Group (HM), RBS Re helps health plans, providers, ACOs and other risk-bearing entities to navigate an unpredictable health care market.

1 HM Insurance Group January 2016 Line of Business Report.2 Ward Group, Top 50® Life and Health Companies, July 2015.Coverage is underwritten by HM Life Insurance Company or Highmark Casualty Insurance Company, Pittsburgh, PA, under policy form series HM PEL 1105, HC PEL 1105 or HM 1005-ELR or similar. RBS Re, South Miami, FL, may provide certain administrative and customer support services. The coverage or service requested may not be available in all states.

MTG-2774 (R2/16)

RISKS WE COVER• HMOs and other Health Plans• Provider Organizations• ACOs and Exchanges• Self-Funded Employers

• Large Dollar Claim Negotiation• Clinical Auditing• Contract Review and Comparison

Value-Added ServicesAll of RBS Re’s reinsurance solutions are backed by our value-added Navigator program to help reduce costs and assist with complex cases. Programs include:

• Transplant Solutions• Neonatal Care Management• Out-of-area Treatment Solutions

Industry Recognition• RBS Re is a preferred vendor of ACAP, the Association for Community Affiliated Plans, which represents and strengthens not-for-profit, safety net health organizations• Endorsed by the Health Plan Alliance, RBS Re helps health plans, hospitals and physicians improve operational and financial performance, medical management and market position

Product SolutionsRBS Re’s integrated products and added services cover millions of commercial, Medicare and Medicaid members. Our solutions go beyond reinsurance to save clients money across the entire spectrum of risk, avoiding the need to split risk management coverages among multiple carriers. • Health Plan Reinsurance – Customized arrangements assist HMOs and other licensed health plans with growth and capital management strategies to protect against catastrophic claims that exceed selected retention and coinsurance levels• Provider Excess – Assists organizations in minimizing their financial exposure from large or catastrophic claims• Excess Reinsurance – For entities with unique sets of risks, our solutions mitigate catastrophic exposure with tools and services to help address a wide range of financial risk areas

Find out more about RBS Re reinsurance solutions by contacting us at 305-262-2662 or visiting rbsre.com

HM FAST FACTS • HM Insurance Group’s member insurance companies

are rated A- (Excellent) by A.M. Best

• HM generated $1.06 billion in gross premium in 20151

• Through its insurance companies, HM Insurance Group holds insurance licenses in 50 states and the District of Columbia and maintains sales offices nationwide

• In 2015, HM was named to “Ward’s 50®” top-performing life and health carriers for the seventh consecutive year2

RBS ReAN HM INSURANCE GROUP PROGRAM

Program Overview