Industry Insights

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The Truth Revealed: Secret Elements of HM Underwriting

By: Bill Miller October 9, 2017
The time has come. I’m about to tell you some inside secrets about the way HM underwrites our Stop Loss business. This is the secret formula kind of stuff…the inside scoop…the truth exposed. Some might call it brazen to share such details, but I want you to know what goes into our process.
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Taking Action Against High Cost Claims

By: Dom Palmieri September 11, 2017
Well, the Stop Loss industry seems to be a rousing one these days. Claim incidences and expenses are on the rise (with no end in sight) – and we have to figure out how to contain the costs to protect everyone’s bottom line. Our sleeves are rolled up at HM. Who else is in? This is going to take a pretty big effort from all of us if we are to minimize the risk.
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The Contract Is the Cornerstone

By: Greg Wilden August 10, 2017
Having been around the Stop Loss world for 30 years, I know that without a solid foundation of expectations and the type of commitment that HM has with our producers and our mutual clients, good partnerships can fall apart. And in the Stop Loss realm, the groundwork starts with a well-constructed contract.
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Making Connections, Bridging Capabilities

By: Tom Doran July 6, 2017
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

By: Dom Palmieri April 27, 2017
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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