Now you can offer employers a smart, easy way to retain their talented and loyal employees — HM Care Advantage, a limited benefit medical plan. It allows employers to help bridge the gaps for employees who aren’t eligible for traditional employer-sponsored health coverage or can no longer afford dependent coverage.

HM Care Advantage, an indemnity plan, is based on a group platform that can be employer- or employee-paid. There are no limitations for pre-existing conditions, and benefits are guaranteed issue. HM Care Advantage is completely flexible — the employer can select the benefit amounts and frequency. It also can include a national provider network to help reduce members’ expenses and has benefits that can help promote healthier employees.

Here are the smart differences of HM Care Advantage:

• Flexible plan designs allow the employer to customize the benefit offering by selecting the benefit amounts and frequency.
• No limitations for pre-existing conditions.
• No overall calendar year or lifetime maximum for medical benefits.
• Dependent-only coverage is available.
• Pregnancy and newborn nursery care are included.
• A provider network discount results in reduced expenses for employees.
• Physician office services include sick and wellness visits.
• The emergency room benefit includes both accidents and illness.
• Dental, vision and prescription drug plan coverages are available.

Learn more about the many other smart features and options of HM Care Advantage.