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Stop Loss Insurance

Protection for Self-Funded Employers

With nearly 35 years in the Stop Loss market, HM Insurance Group works to deliver smart solutions, exceptional performance and unparalleled support. You can tailor our coverage to satisfy your clients’ level of risk tolerance and trust that our underwriting experts are working to protect policyholders’ financial wellbeing based on individual experience and group dynamics. With a wide range of deductibles and contract periods, our plans can be structured to meet specialized needs and mitigate potential claim risks.

Performance Distinction

As a leading Stop Loss carrier and direct writer, we work to optimize coverage through experienced risk management, excellence in operational performance and successful cost containment practices. You can rely on quick, accurate claim payment and an exceptionally high level of performance that enables you – and your clients – to focus on your own business goals. Talk with one of our experienced leaders to learn more about our approach to the market and build relationships that last.

A Solid Contract

HM offers clients a Stop Loss policy that provides clarity, financial protection and choice. We know that the contract is the core of the carrier-client relationship and the foundation for mutual obligations. Our streamlined contract with limited exclusions helps to ensure your clients know their coverage details. It’s written in language employers understand, mirrors the underlying plan and offers choices for customized protection.

Claim Services from Dedicated Teams

Since we underwrite to pay claims, not to dispute them, you can count on responsive, timely administration. Our dedicated claims team uses streamlined processes to provide accurate and efficient reimbursement. Highlights include:

  • eClaims and low documentation submission options
  • Access to Centers of Excellence
  • Out-of-network discount negotiation services
  • Subrogation recovery
  • Collaboration on unusual/questionable services

Our Promise

We know that the heart of a smart business decision is the integrity of the transaction. Guided by knowledge and experience, we make sound, disciplined decisions to guard the financial health of our policyholders. When you work with HM, you can be confident in the quality of what you are delivering to your clients.

Blog

Stop Loss Insights

  • Making Connections, Bridging Capabilities

    When you consider entering a relationship, commonalities are the first thing you seek. How are you alike? How will you work together? This is no different when you are evaluating a career opportunity. You want the right fit. And sometimes, the right fit is tied to the breadth of capabilities demonstrated by both parties and the accuracy of their alignment. It’s important to be a good match, and I believe that is what I found with HM Insurance Group.

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  • Strong Communication, Education Essential to Managing Catastrophic Costs

    When you’re facing the challenges of a market that’s experiencing continued growth in medical and pharmaceutical costs, fueling the frequency of catastrophic claims exceeding the $1 million mark, you have to take a proactive approach to managing claims. At HM, we know that excellent medical management creates the foundation for successful cost containment for self-funded employers, and we encourage its use with our partners and clients through strong communication and education.

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  • Conversations Make the Hard Stuff Easier to Manage

    Those who know me would probably say I tell it like it is and get to the point quickly. I’m not particularly sure that “blogging” is my thing, but I do know that we need to directly address some challenges in the current market. To do so, we have to be open to conversations – sometimes hard conversations – that allow us to honor our commitment to providing the right protection to meet the needs of our mutual clients.

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