Reinsurance Specialists

HBS specializes in finding the most competitive stop loss for your self funded benefit program. Our job is to provide that crucial piece that makes self funding financially attractive. We help you master the technical, intricate details and provide you with the best reinsurance package. HBS keeps close track of the continuing transitions and consolidations in our industry and the marketplace as a whole.

Our strong carrier relationships mean better rates for you. Our special skills, knowledge and understanding of the techniques and strategies of reinsurance underwriting give you the competitive edge.

Not all reinsurance is alike – we offer unique specialty reinsurance products.

Superior Service Throughout the Year

We market your plan every year, negotiating with the top carriers for the best rates and the best coverage. Our experts safeguard your plan against price fluctuations and unusual policy restrictions. We work closely with your TPA and carrier, ensuring the plan you want is the plan you get.

Throughout the year, we monitor your plan and are available to assist with policy interpretation or to help your TPA with claim reimbursement questions.  As a neutral third party, we can intervene between your TPA and the carrier if problems arise.  HBS stands with you at every level of the process.  We are there from carrier negotiations to finding the best TPA and network as well as client meeting support.

Dedicated & Experienced Professionals

	Rebecca Bocek (previously Molinar), President — Over 22 years experience in all aspects of self funding including working for several TPAs and carriers.  Former Director of Sales for a leading reinsurance marketing company managing all sales and service activities. CA license #0B30116.
	Laurie Flaherty, Operations Manager — With 27 years of industry experience on the carrier and TPA side, Laurie brings in-depth knowledge of marketing procedures, claim issue resolution and policy issuance protocols.
	Brett White, Regional Director of Sales — Brett has over 10 years of experience in healthcare sales. A graduate of Cal Poly, he has worked at several respected carriers overseeing teams of sales associates. His in-depth knowledge of employee benefits and years of servicing the reinsurance needs of his clients makes him a great choice to assist you in your stop loss marketing needs. CA License #0C51794.
	Renette Costa, Account Manager— With 11 years experience working for a carrier and with brokers in self funding as an Account Manager, Renette has an extensive background in claims resolution, managed care coordination, marketing new prospects and policy issuance. CA license #0F22836
	Vicki Stief, Sales Associate — Over 26 years experience in self funding as a Claims and Account Manager for several TPA's. Former Reinsurance Marketing Associate for an MGU and reinsurance company, she knows the reinsurance marketplace. CA license #0C60610.
	Sharon Miller, Premium Administration — Sharon handles all reinsurance premium and accounting duties. HBS is a licensed Third Party Administrator in California and we handle premium remittance for all of our carriers.

707-748-4274