Why HM

Service and Strength

With more than 30 years of experience in the Stop Loss market, HM Insurance Group delivers smart solutions, exceptional performance and unparalleled support to self-insured employers.

Protection for Self-Funded Groups

HM’s Stop Loss coverage can be tailored to satisfy each self-funded group’s level of risk tolerance. Our knowledgeable underwriting experts help to customize approaches to protect the group's finances based on its individual dynamics. With a wide range of deductibles and contract periods, our innovative plans can be structured to meet specialized needs and mitigate the potential claim risk for employers.

Performance Excellence

HM exceeds industry benchmarks for claims processing and payment accuracy.* Our concentration on the details of the plan and our commitment to an exceptionally high level of performance enable producers and policyholders to focus on their business goals. All services are under HM’s control, and clients have access to HM’s top decision-makers to ensure that we deliver on our promise.

Read our Operational Performance results 


Claim Services That Deliver Results

HM’s dedicated claims staff and managed care professionals utilize streamlined administrative processes to provide clients with quick and efficient claims 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

*Trilogy Consulting, 2014.
**Operational and financial performance data from HM Insurance Group internal reports, February 2016.

Explore HM Stop Loss

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New to Self-funding?

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