Legal and Privacy Policies

At HM Insurance Group we are committed to a high level of credibility and accountability. We conduct business with our customers and partners with the utmost integrity.

Legal and Privacy Resources

Code of Conduct

The Highmark Health Code of Conduct applies to all members of the Board of Directors, officers, employees, workforce members, volunteers, as well as contractors and vendors of Highmark Health and its affiliates and subsidiaries including HM Insurance Group. The Highmark Health Third Party Code of Conduct applies to those who conduct business with and/or on behalf of any Highmark Health company, such as vendors, consultants, subcontractors, suppliers, and producers. For questions or additional information, contact the Highmark Health Enterprise Risk and Governance Division.

General Legal Disclaimer

Nothing contained within hmig.com is to be construed as providing legal advice, tax advice or advice on your benefits and/or plan design. Product descriptions and marketing materials are for illustrative purposes only and should not be considered binding. The user should consult with legal counsel, or a tax professional and/or a qualified plan design professional for advice specific to their situation including any applicable state or federal laws or guidance.

Stop Loss coverage is underwritten by HM Life Insurance Company, Pittsburgh, PA, in all states except New York, under policy form series HMP-SL (08/19) or HMP-SL (06/20) or similar. In New York, Stop Loss coverage is underwritten by HM Life Insurance Company of New York, New York, NY, under policy form series HMP-SL (06/20) or similar. In all states except New York, Provider Excess Insurance is underwritten by HM Life Insurance Company, Pittsburgh, PA, or Highmark Casualty Insurance Company, Pittsburgh, PA, under policy form series HM PEL 1105, HC PEL 1105, HMP PEL (09/20) or similar. In New York, Provider Excess Insurance is underwritten under policy form series HMNY PEL1105 or similar. In all states except New York, Assumed Accident and Health Reinsurance is underwritten or reinsured by HM Life Insurance Company, Pittsburgh, PA, or Highmark Casualty Insurance Company, Pittsburgh, PA, under form HM1005-ELR or similar. In New York, Assumed Accident and Health Reinsurance is reinsured by HM Life Insurance Company of New York, New York, NY. The coverage or service requested may not be available in all states and is subject to individual state approval. Reinsurance agreements only reflect a form number when required by applicable state law.