Group Products
Products and Services that Provide Health Risk Solutions
HM Insurance Group (HM) offers a connected portfolio of products and services that provide health risk solutions for producers, employers and employees. We help meet the demand of the changing employee marketplace through our knowledge and experience in assessing and managing risk effectively. Utilizing our distinct expertise, HM designs innovative benefits programs that provide protection to clients.
HM offers a consultative approach to assist in simplifying the complexities of the employee benefits market. As employers search for affordable solutions to attract and maintain a talented work force, our benefit programs provide customized solutions for employers, regardless of who is responsible for assuming the cost for benefits.
The HM product portfolio providing these solutions includes:
Employer Stop Loss- Specific only
- Specific and Aggregate
HMO Reinsurance, Provider Excess, Medical Excess of Coverage
- Limited Benefit Medical Plan
- Accident
- Critical Illness
- Disability Income
- Term Life
- COBRA Administration
- Employee/Retiree Administration
- Administrative Services Only (ASO) Workers’ Compensation
Coverage is underwritten by HM Life Insurance Company, Pittsburgh, PA, in all states except New York under policy form series HL601, HM905, GP902, HL904, HM308 or similar. In New York, coverage is underwritten by HM Life Insurance Company of New York, New York, NY, under policy form series HL601, HL902, HL904, HM905, HM308 or similar. Based on the plan(s) selected, certain other insured benefits, administrative and/or customer support services may be provided by other carriers or service providers. Certain exclusions and limitations may apply. The coverage or service requested may not be available in all states and is subject to all applicable state and federal laws.
