For more than 30 years, HM Insurance Group has helped thousands of companies protect their medical cost risk. Now we have enhanced our capabilities with the recent acquisition of Mutual of Omaha’s Stop Loss business. By adding their expertise and success with small and mid-sized groups to our outstanding large group plans – and by offering unlimited annual and lifetime maximums – HM is better positioned than ever to serve the needs of regional TPAs in a changing health care market.

Our track record has muscle, too. HM’s member companies have earned A- (Excellent) ratings from A.M. Best. HM is a direct writer, and more than 99% of all claims last year were processed in less than 10 business days, with technical and financial accuracy above 99%.

As a leader in Stop Loss, HM offers a range of plan design options and terms, including both Specific Stop Loss and Aggregate Stop Loss coverage, as well as Aggregating Specific and Specific and Aggregate Terminal Liability.  HM's expertise also extends to HMO Reinsurance and Provider Excess coverage through its wholly-owned subsidiary, RBS Re.

All of which gives you a wide range of smart solutions for your clients' fast-changing Stop Loss needs.

Learn more about our Stop Loss features and options in the product section of our website or by viewing the overview brochure linked below.