Group Products
HM Care Advantage
Build a Customized Plan
Start with Core Benefit Selections
With HM Care Advantage, employers can select benefit options to build customized plans to help meet their unique needs and budget.
HM Care Advantage’s core benefits can be designed to address common health care needs – doctor visits, outpatient testing, inpatient hospitalization, plus an additional benefit for the first day of hospital admission and surgery with anesthesia coverage. Within the core product, employers can select the number of visits and the dollar amount per visit to be paid. This allows you to design a plan that can meet the group’s health care needs and premium requirements.
In addition, COBRA administration is built into every policy, alleviating the employer’s need to institute separate COBRA administration.
Services that are part of every core plan include a 24/7 toll-free telephone service with health coaches who provide information and support for health-related concerns. Also included are access to online health information and discounts for pharmacy and vision services plus fitness and wellness products and services. All of these services and discounts are available on a national basis.
Benefit Options
In addition to the core benefits, employers can select options to enhance their plan by adding emergency room visits and insured pharmacy, dental and vision coverage. They also select the number of visits and the amount of coverage for each benefit. This puts the employer in control of the offering. Depending on the size of the employer group, up to three plans can be designed and offered to the same group.
As an indemnity fixed dollar plan, HM Care Advantage can make payments directly to providers and also to the covered member when the plan coverage amount exceeds the amount charged by the provider.
HM Insurance Group Regional Sales Consultants will work to help customize plans to meet your clients’ specific needs. We will work with our producers to help employers select a plan that works with their desired level of contribution in relation to the employee contribution level using a Web-based tool. See the Schedule of Benefits for more details on benefit options.
HM Care Advantage is an HM Life Insurance Company product administered by Key Benefit Administrators (KBA). Based on the plan selected, Medical and Vision coverages are underwritten by HM Life Insurance Company, Pittsburgh, PA, under policy form series HM905, GP902 or similar. For other insured products when available: Dental and Outpatient Prescription Drug coverages are underwritten by Fidelity Security Life Insurance Company, Kansas City, MO, under policy form series M-9037 and M-9031/M-9022. In certain states, Dental is underwritten by Renaissance Life & Health Insurance Company of America, Greenwood, IN, under policy form series DT-300A or DT-310A. Administrative and/or customer support services when available are provided: for Health Information On-Call – Health Dialog Services Corporation; for Complementary Wellness Discount Program – Healthways WholeHealth Networks, Inc.; for Health Information On-Line – HealthMedia® Inc.; for Pharmacy Discount Card – Caremark, Inc.; for Vision – Davis Vision; for Provider Network Discounts – different network discount options exist and are specified at time of offer. Other administrative and/or customer support services may be provided by HM Life Insurance Company and HM Benefits Administrators. Certain exclusions and limitations may apply. See your certificate or other evidence of coverage for details. Coverage or service requested or the use of a specific association, franchise, trust or union may not be available in all states and is subject to all applicable state rules, laws and regulations.
