The HM Employer Stop Loss Product

Stop Loss Expertise for Self-Funded Clients

Helping to protect self-funded employers from unexpected or catastrophic health claims requires an expert understanding of self-funding and risk. Our consultative approach creates solutions that meet employers' unique needs. We design coverage to satisfy individual levels of risk tolerance and maximize cost containment results.


HM offers clients experienced risk management, excellence in operational performance and successful cost containment practices to optimize their coverage. As a direct writer, we assess the risk of groups and help to tailor plans that are right for their individual needs. Our claims management expertise results in quick payment without sacrificing accuracy. And our claim payment capabilities are matched with equally accomplished clinical expertise and cost containment practices that drive savings opportunities.


As a leader in the Employer Stop Loss market, HM offers clients a Stop Loss policy that provides clarity, financial protection and choice. Our streamlined contract with limited exclusions helps to ensure clients know their coverage details. 

The HM Stop Loss contract contract:

  • Is written in language clients understand
  • Mirrors the underlying plan
  • Aligns with health care reform regulations
  • Offers choices for customized protection


Read about the HM Stop Loss contract 


HM designs Stop Loss programs that help to manage each client's financial liability. Our coverage helps self-funded groups to protect their assets from unexpected large or catastrophic claims. Using a wide range of deductibles and contract periods, custom plans can be structured to satisfy specialized needs and mitigate claim risks.

Some HM Stop Loss product features include:

  • Specific and Aggregate coverage
  • Wide range of contract periods - 12/12, 12/15, 12/18, 12/24, 15/12, 18/12, 24/12
  • Unlimited specific coverage maximums to comply with health care reform
  • Aggregate coverage maximum up to $2,000,000 per policy period
  • Specific deductibles from $25,000 to $2,000,000
  • No new lasers or increase to existing lasers at renewal
  • No signed disclosure form required at renewal


HM also offers a variety of options in the form of policy riders that allow groups to select the right coverage for their financial situation. 

See the options 


Coverage is underwritten by HM Life Insurance Company, Pittsburgh, PA, in all states except New York under policy form series HL601. In New York, coverage is underwritten by HM Life Insurance Company of New York, New York, NY, under policy form series HL601. In Pennsylvania, coverage may be underwritten by Highmark Casualty Insurance Company under policy form series HC601. The coverage requested may not be available in all states.

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