Sales Materials

About Us

Format: PDF

Our “By the Numbers” infographic shows fast facts and stats that back our commitment to our client's needs

Format: PDF

Presents an overview of HM, our financial strength and our product lines

Format: Webpage

View the A.M. Best ratings for HM's companies

Format: PDF

Better understand the perpetrators of insurance fraud, the victims and cost of fraud, anti-fraud efforts and the tools used to prevent fraud; several states require HM to conduct anti-fraud training each year, and it is an insurance industry best practice for identifying and combating fraud

Interactive Content

Format: Digital Self-Guided Tour

An interactive, self-guided tour of HM Stop Loss divided into four sections: The Advantages, The Product, The HM Story and Tools & Resources. Compatible with mobile devices, tablets and desktops

Format: Video

Learn how to access a variety tools to help you work with clients who are either currently or considering self-funding their health benefits and protecting with Stop Loss insurance in this short video

Format: Video

Learn more about HM Stop Loss insurance and what self-funding is in this short video

Format: Video

Learn more about HM Stop Loss insurance and self-funding in this short video

Format: Video

Learn more about the benefits of having Stop Loss insurance in this short video

Format: Video

Learn about what traits make the right Stop Loss carrier in this short video

Format: Video

Learn about the importance of language in providing financial protection, clarity and choice in this short video

Format: Video

Learn more about cost containment practices for groups self-funding with HM Stop Loss protection in this short video

Format: Video

Learn about the benefits of eBill, HM's online invoice system, in this short video

Format: Video

Learn more about rising claim trends and the importance of Stop Loss protection for self-funded groups

Format: Video

HM experts Carolyn Coleman, Faith Edesa and Dave Webb discuss effective cost control methods at the plan document level that may not be immediately apparent or are often overlooked

Format: Video

Beata Madey, SVP of HM Underwriting, and Dom Palmieri, SVP of HM Operations and Strategic Partnerships, as well as Carol Partington, a Corporate Manager of Benefits and Compensation, discuss valuable health plan and Stop Loss ideas to control costs

Format: Video

Dan Carlton, Regional Sales Vice President, HM Stop Loss, and Mike Ferguson, President and CEO of the Self-Insurance Institute of America (SIIA) talk about marketplace trends and important considerations

HM Stop Loss Product Information

Format: PDF

Highlights the advantages of the HM Stop Loss business model, policy and product solutions

Format: PDF

Overview explaining what Stop Loss is, how it protects, the types of Stop Loss coverage and common Stop Loss contract periods

Format: PDF

Provides information on HM Insurance Group's approach to Stop Loss, product specifics and coverage options

Format: PDF

Highlights HM Stop Loss operational performance indicators, including claims payment, technical and financial accuracy, quote timing and more

Format: PDF

Overview of self-funding and the importance of Stop Loss when implementing a self-funded health plan

Format: PDF

Overview of plan design key areas that groups may want to consider for cost containment purposes

Format: PDF

Explains potential risks and financial burdens related to captives vs. HM Stop Loss

Format: PDF

Explains the relationship between increasing health care claims and Stop Loss premium

Format: PDF

Explains HM's position on Stop Loss and HIPAA Privacy

Format: PDF

Find out how HM's Stop Loss contract provides clarity, financial protection and choice

Format: PDF

A checklist that helps producers ensure that they are comparing key carrier attributes when helping their clients select a Stop Loss partner

Format: PDF

Overview of HM's eBill system, an online system which provides 24/7 invoice presentation, storage and payment solutions to improve operational efficiencies

HM Stop Loss Features & Options

Format: link

Explains HM's renewal option to provide security during the run-out period of a contract

Format: link

Provides information about HM's Aggregating Specific option

Format: link

Explains how this option coordinates the timing of reimbursements associated with a catastrophic loss

Format: link

Explains this option designed to help the employer's cash flow

HM InSights

Format: PDF

Discusses how cost containment programs and Stop Loss protection become vital to self-funded plans as claims trend upward

Format: PDF

See how beginning with the end in mind can help to lay the groundwork for containing claim costs

Format: PDF

Addresses facts about End Stage Renal Disease and its treatment with dialysis, including the high cost of this care and options for cost containment

Format: PDF

Shares facts about air ambulance services, including the significant cost, and offers cost containment strategies for self-funded groups

Format: PDF

Demonstrates how increases in health care costs and the implementation of ACA regulations have helped self-funding with Stop Loss take off with mid-sized groups in recent years

Format: PDF

Shares facts about how the unpredictability of catastropic claims associated with birth defects can play a roll in high claim costs

Format: PDF

Overview of how preterm births and multiples play a role in the rising claims trend

Format: PDF

Infographic highlighting how preterm births and multiples play a role in the rising claims trend

Format: PDF

Overview of how the specialty drug trend is significantly impacting health care costs

Format: PDF

Highlights the key points of the "HM Trend Watch: The Rising Costs of Specialty Pharmaceuticals" paper and emphasizes the most surprising facts of this trend

Format: PDF

Overview of the pros and cons of reference-based pricing and how to find out if it is the right fit for your organization

Format: PDF

Overview of claims costs and trends, and their impact on self-funded clients

Format: PDF

Overview of plan design and the benefits of considering several key areas to help better manage the costs of health coverage

Format: PDF

Overview of how private exchanges offer a choice for employers who have decided to maintain their group coverage while seeking more flexibility in setting costs and plan options

Format: PDF

Additional information on the significant impact private exchanges have on buying and selling benefits in the current marketplace

Format: PDF

Overview of how cancer drugs play a significant role in the growth trend of specialty pharmaceuticals

Format: PDF

Overview of how narrow networks may act as a cost-saving alternative to the more traditional open access PPO and fee-for-service payment systems

Format: PDF

Comparison of MGUs and direct writers/carriers as an option for groups who choose to self-fund their health plans and obtain Stop Loss coverage

Format: PDF

A look into why self-funded employers are contracting directly with high quality special care providers for specific treatment for employees

General

About Us

Format: PDF

Our “By the Numbers” infographic shows fast facts and stats that back our commitment to our client's needs

Format: PDF

Presents an overview of HM, our financial strength and our product lines

Format: Webpage

View the A.M. Best ratings for HM's companies

Format: PDF

Better understand the perpetrators of insurance fraud, the victims and cost of fraud, anti-fraud efforts and the tools used to prevent fraud; several states require HM to conduct anti-fraud training each year, and it is an insurance industry best practice for identifying and combating fraud

Stop Loss

Interactive Content

Format: Digital Self-Guided Tour

An interactive, self-guided tour of HM Stop Loss divided into four sections: The Advantages, The Product, The HM Story and Tools & Resources. Compatible with mobile devices, tablets and desktops

Format: Video

Learn how to access a variety tools to help you work with clients who are either currently or considering self-funding their health benefits and protecting with Stop Loss insurance in this short video

Format: Video

Learn more about HM Stop Loss insurance and what self-funding is in this short video

Format: Video

Learn more about HM Stop Loss insurance and self-funding in this short video

Format: Video

Learn more about the benefits of having Stop Loss insurance in this short video

Format: Video

Learn about what traits make the right Stop Loss carrier in this short video

Format: Video

Learn about the importance of language in providing financial protection, clarity and choice in this short video

Format: Video

Learn more about cost containment practices for groups self-funding with HM Stop Loss protection in this short video

Format: Video

Learn about the benefits of eBill, HM's online invoice system, in this short video

Format: Video

Learn more about rising claim trends and the importance of Stop Loss protection for self-funded groups

Format: Video

HM experts Carolyn Coleman, Faith Edesa and Dave Webb discuss effective cost control methods at the plan document level that may not be immediately apparent or are often overlooked

Format: Video

Beata Madey, SVP of HM Underwriting, and Dom Palmieri, SVP of HM Operations and Strategic Partnerships, as well as Carol Partington, a Corporate Manager of Benefits and Compensation, discuss valuable health plan and Stop Loss ideas to control costs

Format: Video

Dan Carlton, Regional Sales Vice President, HM Stop Loss, and Mike Ferguson, President and CEO of the Self-Insurance Institute of America (SIIA) talk about marketplace trends and important considerations

HM Stop Loss Product Information

Format: PDF

Highlights the advantages of the HM Stop Loss business model, policy and product solutions

Format: PDF

Overview explaining what Stop Loss is, how it protects, the types of Stop Loss coverage and common Stop Loss contract periods

Format: PDF

Provides information on HM Insurance Group's approach to Stop Loss, product specifics and coverage options

Format: PDF

Highlights HM Stop Loss operational performance indicators, including claims payment, technical and financial accuracy, quote timing and more

Format: PDF

Overview of self-funding and the importance of Stop Loss when implementing a self-funded health plan

Format: PDF

Overview of plan design key areas that groups may want to consider for cost containment purposes

Format: PDF

Explains potential risks and financial burdens related to captives vs. HM Stop Loss

Format: PDF

Explains the relationship between increasing health care claims and Stop Loss premium

Format: PDF

Explains HM's position on Stop Loss and HIPAA Privacy

Format: PDF

Find out how HM's Stop Loss contract provides clarity, financial protection and choice

Format: PDF

A checklist that helps producers ensure that they are comparing key carrier attributes when helping their clients select a Stop Loss partner

Format: PDF

Overview of HM's eBill system, an online system which provides 24/7 invoice presentation, storage and payment solutions to improve operational efficiencies

HM Stop Loss Features & Options

Format: link

Explains HM's renewal option to provide security during the run-out period of a contract

Format: link

Provides information about HM's Aggregating Specific option

Format: link

Explains how this option coordinates the timing of reimbursements associated with a catastrophic loss

Format: link

Explains this option designed to help the employer's cash flow

HM InSights

Format: PDF

Discusses how cost containment programs and Stop Loss protection become vital to self-funded plans as claims trend upward

Format: PDF

See how beginning with the end in mind can help to lay the groundwork for containing claim costs

Format: PDF

Addresses facts about End Stage Renal Disease and its treatment with dialysis, including the high cost of this care and options for cost containment

Format: PDF

Shares facts about air ambulance services, including the significant cost, and offers cost containment strategies for self-funded groups

Format: PDF

Demonstrates how increases in health care costs and the implementation of ACA regulations have helped self-funding with Stop Loss take off with mid-sized groups in recent years

Format: PDF

Shares facts about how the unpredictability of catastropic claims associated with birth defects can play a roll in high claim costs

Format: PDF

Overview of how preterm births and multiples play a role in the rising claims trend

Format: PDF

Infographic highlighting how preterm births and multiples play a role in the rising claims trend

Format: PDF

Overview of how the specialty drug trend is significantly impacting health care costs

Format: PDF

Highlights the key points of the "HM Trend Watch: The Rising Costs of Specialty Pharmaceuticals" paper and emphasizes the most surprising facts of this trend

Format: PDF

Overview of the pros and cons of reference-based pricing and how to find out if it is the right fit for your organization

Format: PDF

Overview of claims costs and trends, and their impact on self-funded clients

Format: PDF

Overview of plan design and the benefits of considering several key areas to help better manage the costs of health coverage

Format: PDF

Overview of how private exchanges offer a choice for employers who have decided to maintain their group coverage while seeking more flexibility in setting costs and plan options

Format: PDF

Additional information on the significant impact private exchanges have on buying and selling benefits in the current marketplace

Format: PDF

Overview of how cancer drugs play a significant role in the growth trend of specialty pharmaceuticals

Format: PDF

Overview of how narrow networks may act as a cost-saving alternative to the more traditional open access PPO and fee-for-service payment systems

Format: PDF

Comparison of MGUs and direct writers/carriers as an option for groups who choose to self-fund their health plans and obtain Stop Loss coverage

Format: PDF

A look into why self-funded employers are contracting directly with high quality special care providers for specific treatment for employees

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