Our Mission
To provide innovative products that stabilize or reduce client medical cost and risk by promoting quality medical results
Insurance Risk Management Experts
E.F. “BUCK” HOWARD Founder
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Buck has been innovating in the medical space for almost 30 years. In 1990 Buck started Molten, Allen & Williams Medical Services division where he built a substantial national clientele offering excess medical products gaining extensive insight and experience in the managed care arena. In 2005 Buck founded Catastrophic Medical Excess where he continues to offer his considerable expertise in excess medical risk management. In 2006 Buck began offering a new product that he found to be a very effective means in improving health: the employer based primary care clinic. Since then, he has worked with many self-insured clients across the region to evaluate their needs and implement clinics where appropriate. Prior to his healthcare work, Buck spent 15 years in the recruiting business and became a partner in Management Recruiters in Birmingham. Buck earned a B.S. in business from Auburn University on a full athletic scholarship. In addition to football, Buck also participated in ROTC and served in Vietnam as 1st Lt. Buck is very in active in his church organizing mission trips to regional areas of need and abroad.
