Group Products
HM Worksite Advantage
Health Risk Solutions for the Workplace
Employers are looking for solutions to balance the recruitment and retention of quality employees with the challenge of controlling compensation and benefit costs. With HM Worksite Advantage products, producers can offer group plans that enable employees to select their own level of protection. Offering employees greater control in the design of their employee benefits can help attract and retain talented employees.
The HM Worksite Advantage product portfolio includes:
The plans are sponsored by the employer, offered at work and available to all eligible employees through payroll deduction.
HM Insurance Group markets Worksite products through our national network of sales consultants. Our knowledgeable and flexible sales staff assists producers in developing plans that meet the diverse needs of employers and their employees.
Worksite Partners
HM Insurance Group and Continental American Insurance Company work together to offer a portfolio of Worksite products with a range of options. We deliver customized products backed by an HM Worksite Advantage marketing program that includes employee communication tools and a personal approach to service and claims.
Together, our knowledgeable Worksite administrative staff, sales consultants and national enrollment partners work to support producers, employers and employees throughout the development, implementation and administration of each Worksite case.
Working with Groups to Create Value-Added Employee Benefit Programs
- Customized plans
- Group platform
The HM Insurance Group sales consultant works with the producer to design a Worksite proposal to meet the group’s needs based on an analysis of the employer’s current situation. Because of our group platform, we can offer product and rate consistency along with a single group application and single group bill, whether an employer has a local workforce or employees across the county.
Our goal is to streamline the effort required to conduct an enrollment. An account manager is assigned to each case to help facilitate enrollment and provide communication materials and educational tools that help demonstrate the full value of the employer’s benefit program to employees. Enrollment options are tailored to meet the group’s needs through a call center, one-on-one meetings, direct mail or online enrollment methods. Toll-free numbers are available for claims and customer service support.
Product Highlights
- Guaranteed issue available on certain products
- Benefits paid directly to the policyholder
- Portable products
HM Worksite Advantage products are designed to address the financial impact of illness, accident or death. Benefits for illness or accident are paid regardless of other medical insurance plans, allowing individuals to offset the cost of unforeseen health issues. Covered employees can decide how to use the money they receive – for health-related expenses, living expenses, or even to replace lost income. In addition, guaranteed issue is available on certain products. Critical Illness, Accident and Whole Life have a portability feature that allows employees to continue coverage even if they leave their employer or retire.
Employers can take advantage of Worksite products that provide solutions on a group platform to give their employees a way to bridge gaps and help provide peace of mind for themselves and their families.
Limited Benefit Medical Plans Complement a Worksite Program
HM Insurance Group has developed HM Care Advantage, a customizable Limited Benefit Medical Plan that pays indemnity benefits at a fixed dollar amount to the employee or the provider.
HM Care Advantage is an indemnity product designed to provide employers with choices that help bridge the gaps for employees who do not have coverage, whose coverage is being reduced or who can no longer afford family coverage.
