Don’t Lose Mini-Med Business Due to Health Reform Changes

Are you concerned about the impact of PPACA on your clients’ mini-med plans? The new regulations require that plans remove pre-existing condition exclusions and annual and lifetime limits for coverage. As an “excepted” benefit for the purposes of federal law, HM Care Advantage, our limited benefit medical plan, offers an alternative. HM Care Advantage is an indemnity plan, with payment based on a schedule of benefits. It already has no pre-existing condition exclusions and no additional annual or lifetime maximums and can continue in its current form, providing options for clients who wish to give employees a coverage option that fits both of their needs. Therefore, it can be offered as a replacement plan to groups with expense-incurred limited benefit medical plans currently in place. If you would like to learn more about making HM Care Advantage part of your clients’ benefits offering, contact your HM Worksite Sales Rep.

Get the Inside Scoop from an HR Chief
Step into the mind of a “chief benefits buyer” (aka Senior VP of Human Resources) to get a clearer understanding of what he wants from an employee benefits consultant. Register for this enlightening Webinar that will be held Thursday, May 20, 2010, from 2 to 2:30 p.m. EDT and gain some smart answers about how Worksite fits into the big benefits picture -- in today’s market, in light of healthcare reform and as a key gap-filler for employees. Ray Carson, Highmark Inc.’s Chief People Officer and Senior Vice President of Human Resources, will share his experiences and essentials for bringing benefits to his employee base. And, participants will receive a complimentary Starbucks Card so they can enjoy their favorite beverage during the event. Register Now.

Be Part of Our Producer Forum
Join the smart discussion on HM Expert Exchange, our new group for producers on LinkedIn. This forum provides an opportunity for members to discuss such topics as industry trends, changes in the marketplace and new ways to meet the benefit needs of clients. Right now, we’re discussing enrollment essentials, and we’d like you to share your thoughts.

Determine Solutions Together
Let’s work together to provide smart health risk solutions for clients. We know that benefits are not a “one size fits all” kind of sale, especially with all of the changes taking place in the industry. Let us help you bridge coverage gaps and meet the specialized needs of your groups.  If you’d like to bring the HM Worksite Advantage to your clients, contact your HM Worksite Sales Rep.

Limited Benefit Medical does not provide comprehensive health care coverage on an expense incurred basis.

Coverage is underwritten by HM Life Insurance Company, Pittsburgh, PA, in all states except New York under policy form series HM308, HM905 or similar. In New York coverage is underwritten by HM Life Insurance Company of New York, New York, NY, under policy form series HL601, HM308, HM407 or similar. The coverage or service requested may not be available in all states and is subject to all applicable state and federal laws.