We are Commencement Bay Risk Management Insurance Company™

Providing health plan benefits for employees and their families protects them from the uncertainties of life. But employee benefit plans need to protect themselves, too. The increasing frequency and degree of high dollar health claims requires new ideas and solutions. An A rating by A.M. Best and our success keeping rate increases below the industry average have helped us achieve industry-best client persistency.
Commencement Bay Risk Management Insurance Company™ serves stop-loss clients in the Oregon, Utah, and Washington markets by driving focused attention to market feedback and catastrophic claims challenges brought about in a post-ACA environment. Our dedicated stop-loss team has the expertise to develop unique strategies to address market needs.
About Us
Based in Seattle, Commencement Bay™ offers best-in-class stop-loss coverage to self-insured clients in Oregon, Utah, and Washington. Our financial strength, which earned an A rating from A.M. Best, means that we’ll be there for you when you need us most.
Commencement Bay boasts a dedicated stop-loss underwriting team and a sales force with extensive industry experience. We offer the focused attention you deserve with the expertise to craft solutions for your unique needs.
Our highly competitive contracts were written in partnership with top brokers to ensure our clients have access to a suite of market-leading features such as no new laser at renewal and optional rate caps.
In partnership with our preferred health plan, we offer a bundled ASO product approach. This provides our clients with a streamlined solution that’s nimble enough to offer immediate reimbursement of Individual claims. We also have a highly focused partnership with Health Management Administrators (HMA), our select Third Party Administrator operating in some markets.
Please see our FAQ or contact us for additional information.
A dedicated stop-loss underwriting team and a sales force with significant industry experience mean you get the focused attention you deserve and solutions crafted for your unique needs.
Our team of industry veterans has the flexibility to develop unique strategies to address the frequency and degree of high dollar health claims, while leveraging established infrastructure and scale on catastrophic risk management.
Our highly competitive contracts were written in partnership with brokers to ensure our clients are prepared with a suite of market-leading features such as optional rate caps and no new laser at renewal.
A bundled ASO product approach with our preferred health plans provides a “one-stop shop” that’s nimble enough to provide immediate reimbursement for stop-loss specific claims.
FAQ
Commencement Bay is a best-in-class stop-loss insurance provider for clients in the Northwest. As part of Cambia Health Solutions, Commencement Bay is a member of a family of companies providing total health solutions to over 70 million Americans. Our dedicated team of stop-loss experts partnered with top brokers to develop highly competitive contracts.
Stop-loss insurance provides protection for health plans against catastrophic and often unpredictable losses by serving as a reimbursement mechanism for claims that exceed pre-determined levels. If your organization self-funds your employee benefits plan, stop-loss insurance allows your organization to avoid much of the liability arising from catastrophic losses.
A.M. Best, a U.S.-based rating agency, has given Commencement Bay an A Rating (Excellent). This means we are deemed financially stable, with the ability to meet policyholder obligations.
Stop-loss coverage does not insure your employees, rather it is designed to protect your employee benefit plan from excessive losses due to catastrophic claims from your employees and their dependents.
Commencement Bay offers stop-loss coverage to self-insured clients domiciled in Oregon, Utah, and Washington.
The Commencement Bay team develops unique strategies to address specific client needs. While many variations are available, the two primary forms are “Individual” (also known as Specific) and “Aggregate” coverage. Individual coverage provides protection for the benefit plan if there is a catastrophic claim on any one individual. Aggregate coverage caps the dollar amount the employee benefit plan would be required to pay during a contract period.
The Commencement Bay team will work with you, in partnership with your broker, to determine your plan’s needs, which may include both Individual and Aggregate stop-loss coverage.
To be eligible for reimbursement, the expenses must be clearly eligible under the employer’s benefit plan, and the loss must be covered in the stop-loss policy. Our stop-loss reimbursement will follow our partner ASO’s standard plan documents when utilized.
For organizations that have a bundled ASO product with one of our preferred health plan partners, we reimburse covered Individual stop-loss claims immediately. Advanced Funding is available with our select TPA partner.
Aggregate claims are reconciled and paid at the close of the contract period; however, our Monthly Reconciliation product may be available as an option to provide further stability.
We have developed practices and a philosophy which have resulted in a track record of industry-leading client persistency and renewal stability. Commencement Bay has a dedicated stop-loss underwriting team and sales force boasting a significant amount of industry experience. We offer highly competitive stop-loss contracts that were developed with considerable broker input.
We offer integration with a dedicated ASO service center in the Northwest. A bundled ASO product approach, offered in partnership with our preferred health plans, provides a holistic stop-loss solution that is nimble enough to offer immediate reimbursement of Individual claims. We also have the flexibility to work with our select TPA partner(s) in some markets.
For more information about Commencement Bay and the services we offer, please contact:
Sean Grogan, CLU, ChFC
Senior Regional Sales Executive
Sean@CommBayRisk.com
(503) 721-4079
Mike Merz
Senior Regional Sales Executive
Michael@CommBayRisk.com
(503) 721-4090
Contact
Privacy Policy Inquiries
compliance@cambiahealth.com
877-878-2273
Sean Grogan, CLU, ChFC
Senior Regional Sales Executive
Sean@CommBayRisk.com
(503) 721-4079
Mike Merz
Senior Regional Sales Executive
Michael@CommBayRisk.com
(503) 721-4090