I don’t know about you, but I like new stuff. So you can imagine my excitement when I discovered that HM Insurance Group has a new approach to HM Worksite Advantage. To better meet the needs of employee benefit brokers and consultants, HM is introducing worksite sales specialists nationwide. And to help fill the gaps in employee benefits packages, HM has new, next generation products such as Critical Illness, Accident, Disability Income and Term Life.

So what’s their secret? The new HM Worksite Advantage products are hybrid in design with the best features of group and individual Worksite platforms, including guaranteed issue at all group sizes, simplicity and flexibility in plan design and benefit amounts tailored to the individual client’s needs.

HM also provide seamless account administration, targeted enrollment techniques and membership management. Plus dedicated resources to control every phase, from pre-sale to enrollment to claims. New and easy! Sign me up.

Visit our main site to learn more about all of the smart HM Worksite Advantage products.

HM Life Insurance
Company

HM Life Insurance
Company of New York

I am thrilled that you want to learn more about HM Care Advantage, a limited benefit medical product. But forget about me, the millions of working uninsured Americans can appreciate it even more. HM Care Advantage is designed to help bridge the gap for employees who are not eligible for, or no longer have access to, employer-sponsored health insurance.

HM Care Advantage is a fully customizable limited benefit medical plan that can give employers more flexibility and control and can give employees and their families something they may have never had before – health insurance.

The plan is designed to fit the customer, even better than my tuxedo fits me. The employer selects  a dollar amount and the number of services to meet the unique needs and budgets of their workforce. Depending on the size of the group, the employer may design up to three unique plans. Employers  can contribute to the premium cost or offer the plan on a voluntary basis – a discount is available  to employers who contribute at least 50 percent. Can you say win-win?

This is just the tip of the proverbial iceberg, my friend. There is a lot more to know
about HM Care Advantage.

As a producer, do you feel like you are on an endless search for a flexible, cost-effective approach that can help your self-insured clients manage employee health benefits? Your diligence has paid off. HM's Stop Loss product is here.

HM Insurance Group utilizes its experience in managing risk to design innovative programs to meet an employer's level of risk tolerance and budget requirements. Utilizing a wide range of deductibles and contract periods, an innovative plan can be structured to satisfy specialized needs and to mitigate potential claim risk for employers.

Life is tough, so I'm here to make things easy. To simplify the cumbersome task of submitting Stop Loss claims, a low documentation claim submission method is available for TPAs. In addition, HM Insurance Group offers e-claims, an efficient and easy way for TPAs to submit Specific Stop Loss claims electronically, resulting in quicker turnaround on Stop Loss reimbursements.

Don't stop now. Visit our main site for more insightful information about HM's Stop Loss products.