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Industry Insights

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2018 and Beyond – The Advanced Class of Health Care

By: Tom Doran July 9, 2018
Yes, I went to Princeton for engineering. People often call attention to that if they’ve read my bio. It was – and is – a great spot for education, and the classes were tough. But a lot of places in life are, and the health care industry is no different. Right now, we’re in the advanced class.
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Reference-Based Pricing Brings Transparency to Health Care Costs

By: Dan Cloyd June 20, 2018
Adding a reference-based pricing component to an employer’s health plan brings an element of clarity to benefit costs by determining, from the start, what is to be paid for medical services and procedures. It’s no surprise that reference-based pricing is a hot topic in the market today, especially when claims exceeding $1 million are more and more common. Reference-based pricing is part of a greater movement toward transparency, helping to establish some type of a standard for what is paid for medical care.
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Who Does Your Heavy Lifting?

By: Carolyn Coleman April 23, 2018
The insurance market changes every year. But for some time now, we’ve been watching the frequency and severity of claims rise, which increases the financial exposure of self-funded groups. With this, the need for Stop Loss protection has grown, along with the importance of working with a Stop Loss carrier that truly knows the intricacies of the market and what must be done to help ensure that the financial health of self-funded employers is properly guarded.
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Maintaining a Thoughtful Approach to the Business of Risk & Relationships

By: Mark Lawrence March 14, 2018
HM is a Stop Loss carrier, which means we’re in the risk-taking business. We don’t shy away from it. We don’t avoid it. We bring a thoughtful approach to our underwriting process. But what does this mean for our clients?
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Select a “Care-ier” or the Cost May Be Too Great

By: Greg Wilden February 12, 2018
When selecting the right Stop Loss carrier, you have a lot to consider, well beyond price. Long gone are the days when a spreadsheet comparing carriers and costs simplified the process. Today your decision is more complex, especially as benefits-related conversations turn from fees to high claims.
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