Choose a Carrier That’s Backed by an Excellent Culture

Selecting the right Stop Loss coverage is a critical decision for self-funded employers. Working with their brokers, they’re looking for a carrier that provides a solid contract to protect their bottom line, strong financials that demonstrate the ability to deliver that coverage, and excellent claims payment capabilities. But there's a crucial factor that may be overlooked: the carrier’s company culture.

At HM Insurance Group (HM), we believe a collaborative environment with close working relationships is what sets us apart and ultimately enables us to best meet our clients’ needs.

Certainly, a great contract, financial stability, and the quick, accurate payment of claims are all undeniably important elements, but the people behind these essentials are what add the magic. When you get a team that works well together – with passion and a deep commitment to doing their absolute best for business partners and clients – you know you’ve made the right choice. That’s what you can experience when you work with HM.

Culture isn’t a buzzword for us – it's the driving force behind what we do. It’s based on:

Collaboration: We're not siloed departments – we're a unified team. Sales works seamlessly with Underwriting and Operations. Our clinical experts integrate across the organization throughout the cycle of the business. Having a cross-functional approach helps to ensure everyone is informed, aligned, and working toward the same goal: protecting our clients from the financial impact of high-dollar health care claims.
Shared Decision-Making: Decisions at HM aren't made in isolation, but through transparency and teamwork. Everyone has a voice, and collective decision-making leads to smarter, more effective solutions. Our integrated efforts foster trust and keep everyone on the same page in honoring our obligations.
Care: We don't just process claims; we recognize that there are people behind those claims. And we know that we are supporting an employer’s ability to provide the coverage that gets those people the care they need. Our role in the health care system is to deliver the funding for the unanticipated catastrophic claims of the sickest individuals – and that knowledge fuels our commitment to excellence and helps to ensure a positive, supportive experience for our self-funded customers.
Unified Vision: What one leader communicates, our other leaders echo. This consistency, along with the overall approachability of our executives and experts across the company, reflects our commitment to delivering on our promises with shared purpose.

If you really think about it, you're not just selecting a Stop Loss carrier and the policy that carrier provides; you’re choosing a partnership. A critical aspect of employee benefits is being entrusted to a team of people. And there is great value in choosing a team that works together soundly with a united commitment to success.

While you should undoubtedly scrutinize the contract details, financial strength, and claims processing capabilities of any Stop Loss carrier, don't underestimate the power of the human element. It’s the people who transform a good product into a truly exceptional partnership – and experience.

HM Insurance Group doesn’t just sell Stop Loss; we build relationships. We’re proud of the work we do – it’s exciting and rewarding, and our positive energy translates directly into what we provide to our clients. It's a good place to be, both for all of us and for our valued partners and clients.