Which is NOT a general category of provider excess loss insurance?

Provider excess loss insurance serves as a risk management tool designed to protect healthcare providers from significant financial losses. This type of insurance typically falls into three general categories: per-person, aggregate, and carve-out.

The per-person category provides coverage based on the individual expenses incurred by each covered person, helping to manage catastrophic expenses that can significantly impact a provider's finances. The aggregate category offers coverage based on the total claim costs across all covered individuals, allowing providers to mitigate the overall financial risk of high cumulative claims. Carve-out coverage typically pertains to specific care areas or services, allowing for targeted management of high-cost disease areas or specialized services.

In this context, quality indicators do not fit into the framework of provider excess loss insurance. Quality indicators are metrics used to evaluate the performance and outcomes of healthcare services rather than categories of financial risk management. They serve more as benchmarks for quality improvement rather than strategies for addressing excess losses in a redirection or financial context. Therefore, this distinction makes it clear why quality indicators do not belong to the general categories of provider excess loss insurance.