Managed Care Brochure 8.15

COPYRIGHT BEECHER EVERGREEN INSURANCE SERVICES, LLC; ALL RIGHTS RESERVED; THIS DOCUMENT CONTAINS CONFIDENTIAL AND PROPRIETARY

INFORMATION AND MUST NOT BE DISSEMINATED WITHOUT PRIOR WRITTEN CONSENT FROM BEECHER EVERGREEN

MANAGING MEDICAL BENEFIT

EXPENSE

ANALYSIS | CONSULTING | COST REDUCTION | STOP LOSS

CREATING SUSTAINABLE COMPETITIVE ADVANTAGE



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BEECHER CARLSON

Beecher Carlson is a large account broker and risk management consultant that delivers expertise throughindustry focus and product specialization. By leveraging our deep risk management expertise, we are able tohelp clients manage their business risks, protect and enhance their capital and fulfill their corporate mission.Beecher Carlson is a subsidiary of BROWN & BROWN, INC. and is headquartered in Atlanta, Georgia. Brown &Brown, based in Daytona Beach, Florida, is ranked as the sixth largest insurance brokerage in the UnitedStates and the seventh largest brokerage worldwide by Business Insurance magazine.

PREMIUM VOLUME

In 2013, Beecher Carlson and

Brown & Brown collectively

placed more than $12.3 Billion

in premium volume.

REVENUE

In 2014, Brown & Brown

revenue reached

$1,580,000,000.

For more information, you

can find our firm's annual

audited financial statements

by clicking here.

DEDICATED

At Beecher Carlson, more

than 40% of our operating

expense is dedicated to

claims, risk control and

analytics.

RECOGNIZED

Ranked #1 as surveyed by

Greenwich Associates with

over 700 risk managers for

Favorability based on the

key attributes of: Ethicality,

Flexibility, Likelihood to

Recommend, Client

Satisfaction, Prompt Follow-

up, Addressing Policy Issues

with Adequate Time,

Compensation & Pricing,

Innovativeness of Brokerage.

$12.3B $1.58B 40% #1



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BEECHER EVERGREEN MANAGED CARE

Beecher Evergreen Managed Care combines expertise and experience of six industry leading firms – Brown &Brown, Beecher Carlson, Evergreen Re, Reinsurance Service Company, Axia Strategies, and IPC Evergreen Rxto expand the solutions available to Managed Care Organizations. We are truly Better Together.

Beecher Evergreen is the only managed care risk consultant and intermediary offering a broad range of riskmanagement service targeted at reducing medical benefit expense and improving the coordination andquality of care. We also offer executive liability, property and casualty insurance and employee benefitsolutions

PREMIUM VOLUME

In 2014, Beecher Evergreen

Managed Care collectively

placed more than $205M in

premium volume.

REVENUE

Beecher Evergreen

Managed Care combined

to generate over $15M in

annual revenue

SERVICE & ANALYTICS

At Beecher Evergreen

Managed Care, nearly 58%

of our operating expense is

dedicated to claims, risk

control, analytics, and pre-

underwriting.

This commitment helps you

control your cost and target

the bets risk financing

options.

EXPERIENCE

The four dozen professionals

in Beecher Evergreen

Managed Care family

combine for over 555 years

of experience. This

experience arms you with

proven solutions and the

ability to think ahead.

$205M $15M 58% 555 YRS



G L O B A L E X P E R T I S E , E X P E R I E N C E A N D R E S O U R C E S D E L I V E R E D T H R O U G H A L O C A L S E R V I C E T E A M . 200We operate as a single profit center with NO GEOGRAPHIC BARRIERS. You have access to

our industry expertise and technical ability through a team of professionals selected to your

needs. And we are located close to you with offices in CALIFORNIA, FLORIDA, GEORGIA,

MASSACHUSETTS, MINNESOTA, MISSOURI, AND TENNESSEE.

We deliver risk capital solutions to

over 200 clients - from ACOs, risk

bearing provider organizations,

HMOs, dual eligible and PACE plans,

COOPs, self-funded employers & Taft-Hartley plans.

Affinity Health Plan Caremark Gold Coast Health Plan PacificSource St. Joseph Health System

Alameda Alliance for Health Christus Health Group Health Cooperative Physicians Health Plan St. Mary's Health Plan

Alliant Health Plans, Inc. Conifer Health Solutions Health First Health Plans Premier Healthcare Steward Health Care System

America's 1st Choice DakotaCare Health Partners of Philadelphia Riverside Health of Maryland, Inc. Health Plan of Upper Ohio Valley

Assurant Sparrow Hospital Association Health Plan of San Joaquin Rosen Hotels & Resorts University of KY Healthcare

Atrius Health Epic Management Health Plan of San Mateo Saints Vincent Catholic Medical University of Utah

AvMed Health Plans Family Health Hawaii LA Care Colorado Choice Upper Peninsula Health Plan

BeHealthy America, Inc. FMOL Land of Lincoln Mutual SIHO Village Care

Bluegrass Family Health Plan Freedom Health MCCI Group Holdings Simply Healthcare Plans, Inc. Western Health Advantage

Childrens Hospital of Boston Gennessee Health Plan Minuteman Health South Country Health Alliance WIN Health

O U R S A M P L E C L I E N T L I S T I N G

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BEECHER EVERGREEN’S EXPERTISE IN

MANAGED CARE HELPS YOU:

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2

3

PROTECT & LEVERAGE YOUR CAPITAL

BUILD COMPETITIVE ADVANTAGE

MANAGE YOUR COST1

4 GROW YOUR BUSINESS



L O S S E S

ACTIONABLE ANALYTICS

Our analytics enable us to identify the

most potentially costly claims allowing

you mitigate known claims and reduce

the cost of the largest percentage of

losses you retain.

COST CONSULTING

Axia Strategies & IPC Evergreen Rx provide

catastrophic claims, pharmacy expense,

medical management and specialty care,

and business development solutions to

continually reduce future medical benefit

expense.

COST MANAGEMENT

Through our owned operations and

strategic partners, you can access wide

range of medical management services.-

from billing & clinical audits; PPO,

transplant, & specialty networks , and NICU

management to PBM and population

management.

We BUILD SUSTAINABLE COST ADVANTAGE by eliminating the uncertainty & volatility of medical benefit expense and taking action to continually reduce future medical cost.

MEDICAL STOP LOSS SOLUTIONS

We deliver traditional and alternately

funded medical excess loss solutions (stop

loss) that protects against unfavorable

expense due to shock claims, unexpected

claim frequency, and random variation.

OTHER INSURANCE

• HMO Reinsurance

• Employer Stop Loss (Individual & Aggregate)

• Provider Excess Loss (Individual & Aggregate)

• Medical Excess Loss

ALTERNATIVELY FUNDED STOP LOSS

• Funds Withheld & Cash Flow Programs

• Medical Stop Loss Captives

• Quota & Surplus Share Reinsurance

BEECHER EVERGREEN MANAGED CARE

• Data Breach & Cyber Liability

• Executive Liability

• Workers Compensation

• Property & Casualty

• Employee Benefits

TRADITIONALLY FUNDED

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REDUCING MEDICAL COST

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CATASTROPHIC CARE COST

• Transplant Network

• Specialty/OOA Claims Audit

• Renal Dialysis

• Oncology

• Subrogation

• Travel

• NICU

NETWORK & SPECIALTY SERVICES

• Medical Management

• Network Strategies

• Lab Services

• Health & Wellness

• Disease Management

PHARMACY COST

• Contract Negotiation

• Rx Utilization Review

• Specialty Rx Medical

Management

• PBM Auditing

(2) COST CONSULTING & PROVIDER MANAGEMENT• Data Analytics• RFP / RFI Services• Performance Monitoring

Beecher Evergreen Managed Care goes beyond stop loss to offer the resources, tools, experience, and expertise to turn your cost structure into sustainable competitive advantage.

(3) REDUCE

MEDICAL

BENEFIT

EXPENSE

(1) INSTALL ALTERNATIVELY FUNDED MEDICAL STOP LOSS.• Outlier Claims• Unfavorable

Frequency• Capture U/W profit

(4) REDUCE OTHER INSURANCE COST




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LOSS PORTFOLIO TRANSFERS

We deliver traditional & alternatively

funded medical stop loss solutions that

protects shock claims, unexpected

claim frequency, and random

variation.

• HMO Reinsurance• Employer Stop Loss• Provider Excess Loss• Medical Excess Loss

ALTERNATIVELY FUNDED STOP LOSS

• Funds Withheld & Cash Flow Programs

• Medical Stop Loss Captives• Quota & Surplus Share Reinsurance

TRADITIONAL INDIVIDUAL & AGGREGATE




UNMATCHED MARKET ACCESS

DOMESTIC MARKETPLACE

LONDONBROKER

BERMUDABROKER

DOMESTICWHOLESALER

EUROPEANMARKETS

BERMUDAMARKETS

EXCESS & SURPLUS

Over 25 MarketsBeecherEvergreen provides you with unmatched market access.

$205 MillionWith over $205 Million in annual premium placed, BeecherEvergreen gives you market leverage.

More ChoicesBeecherEvergreen provides more traditional and alternatively funded options…

Better CoverageAnd better coverage and policy terms…

Best PriceAt the best price.

Competition generally means better coverage at lower costs. You benefit from

our market access, carrier relationships and our ability to create interest in your business.

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STOP LOSS

ALTERNATIVE FUNDING Beecher Evergreen Managed Care has pioneered a number of cash flow solutions to reduce both premium outlay and the total cost of insurance without requiring clients to assume additional downside risk.

• FUNDS WITHHELD AGGREGATE & SPECIFIC STOP LOSS

For those wishing to self-insure, Beecher Carlson’s captive group can assist clients in developing and managing single parent, group, or segregated cell medical stop loss captives with three different funding options:

• FRONTED PROGRAMS

• DIRECT ISSUE

• DIRECT ISSUE WITH REINSURANCE

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INNOVATION ISN'T LOOKING FOR TRENDS, IT'S CREATING THEM.



MEDICAL MANAGEMENT SERVICES

Medical management process & system improvement and

vendor selection & management

AXIA STRATEGIES

PBM, performance monitoring & specialty drug consulting.

IPC EVERGREEN RX

Online neonatal care management resources.

NEONATALCONSULT.COM

Access to five transplant networks: LifeTrac, CIGNA

Lifesource, Optum, Cofinity, & Interlink

TRANSPLANT NETWORKS

Reduce the cost of known claims through billing and case

reviews & subrogation.

RPS, NURSE AUDIT & STAR NETWORK

Technology-enabled health management solutions

CONIFER HEALTH SOLUTIONS

ACOs, bundled payment, clinical integration, & health

plan consulting.

THE CAMDEN GROUP

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VALUE ADDED INSURANCE

SERVICES

Managed care E&O, D&O, employment practices,

fiduciary, & fidelity.

EXECUTIVE LIABILITY

Loss control, loss prevention, analytics, self insure &

traditional workers compensation.

WORKERS COMPENSATION

Surety & performance bonds.

SURETY BONDS

Captives, segregated cell captives, RRG, pools, & trusts

ALTERNATIVE RISK FINANCING

Loss forecasting, data breach response, & cyber-liability

CYBER LIABILITY

All lines of insurance.

PROPERTY & CASUALTY

Voluntary benefit plans, benefit plan design, & plan

management

VOLUNTARY BENEFITS

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COLLABOR8

is a convenient

single location for

storing &

transmitting

exposure data.

COLLABOR8

provides real

time access to

insurance

policies, binders,

& reports

CLAIMS EXPOSURES POLICIES LIBRARY

COLLABOR8

provides a secure,

HIPAA compliant

way to submit

claims & proof of

loss.

COLLABOR8

links websites,

white papers, &

information so

you can think

ahead.

At Beecher Carlson, we strive to develop new and better technologies that

support your business requirements and drive operational excellence.

SECURE DATA & INFORMATIONON-LINE. ANYTIME



Beecher Evergreen is the risk

advisor and insurance broker

for those that demand more -

more control, more education

and more options.

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better together.

Managed Care Brochure 8.15

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