Management of the cost and volatility surrounding catastrophic claims is of increasing importance to health plans and to their reinsurers. As changes in medical technology and demographics drive the cost and frequency of high-cost events, reinsurers in particular are looking for tools to quantify the risk and manage it.

APEX has unique and extensive experience in designing risk transfer programs that specifically carve out certain catastrophic events, and in designing the pricing models to quantify the cost. Our services can benefit reinsurers interested in developing such carveout programs as part of their product portfolio, as well as self funded benefit plans in evaluating the efficacy of such programs.