Organ Transplant

Category: Medical Stop Loss
Group: Stop Loss Group

Organ transplants are very expensive, life-saving procedures. Fortunately, Tokio Marine HCC and HCC Life Insurance Company offers a solution for self-funded employers. By providing a fully-insured policy in conjunction with the employer sponsored health plan, employers are able to shift covered transplant services to this fully-insured arrangement and insure them in a more cost advantageous manner.

Highlights

The policy covers all major organ and tissue transplants.¹
Coverage begins at evaluation and remains in effect for up to 365 days post-transplant. 100% of all covered transplant services are included when an in-network provider is utilized.²
Stand-alone fully-insured product designed especially for self-funded groups
Works in conjunction with any stop loss coverage
Discount to stop loss rates offered by most stop loss carriers
Protects employer from catastrophic expenses resulting from transplant exposure
Administered through TPAs and BUCAs
Offers solution to transplant related lasers and rate loads from stop loss carriers
Provides higher level of benefits for transplant patients (no deductible or out of pocket expenses)
Produces high degree of patient satisfaction from interaction with internal nurse care management team
Lifetime maximum options of $1,000,000, $2,000,000 and Unlimited
Up to $15,000 travel benefit paid at $300 per day
$5,000 indemnity benefit paid directly to covered patient post-transplant
Direct payment to providers
Access to major transplant facilities

Heart, Lung/Double Lung, Kidney, Pancreas, Liver, Intestine, Heart/Lung, Kidney/Pancreas, Kidney/Liver, Liver/Intestine, Liver/Pancreas/Intestine, Autologous Bone Marrow Peripheral Stem Cell, Allogenic Bone Marrow - Peripheral Stem Cell - Cord Blood
All transplant services, including evaluation, listing and transplant, are subject to medical review and approval.

Cell & Gene Therapy

Costs continue to escalate at alarming rates for cell and gene therapies. Tokio Marine HCC – Stop Loss Group (TMHCC) offers a solution to manage these high-cost events.

Medical Stop Loss

Medical stop loss insurance protects employers with self-funded health plans against the risk of severe losses.

Captive Stop Loss

Control the severity risk of your self-insured program through a stop loss captive from Tokio Marine HCC – Stop Loss Group

Taft-Hartley

Tokio Marine HCC has developed a medical stop loss solution specifically dedicated to meeting the unique needs of Taft-Hartley union plans.

Why Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Our products and capabilities set the standard for the industry, and many of our almost 3,000 employees are industry-leading experts. Each of our highly entrepreneurial businesses are equipped to underwrite special situations, companies and individuals, and acts autonomously to deliver effective solutions.