BHG Risk Management Authority (BETA) was established in the 1970s to offer an alternative to the tremendous rate swings hospitals had experienced with commercial insurance carriers. We remain committed to rate stability. BETA's actuary, Towers Watson, continuously reviews the program's loss experience to ensure adequate reserves and rates, and we hire an outside actuarial consultant to review the program's rate-making methodology every three years. This attention to detail has helped us adequately fund losses and maintain the most stable rates in the industry.

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