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HM Care Advantage

HM Care Advantage, a Limited Benefit Medical Plan, is an option that employers can offer to help bridge the gaps for employees who do not have coverage, whose coverage is being replaced or who can no longer afford family coverage. HM Insurance Group's indemnity plan provides a solution to help employers attract and maintain a talented workforce. More information regarding HM Care Advantage is available on the HM Insurance Group main site.

New Producers

Visit the HM Insurance Group main site to learn more about HM Care Advantage and its opportunities.



Information regarding the administration of HM Care Advantage benefits can be found at HM Insurance Group's main site.



The site contains member information about your coverage, including how to find a participating provider or submit a claim.

HM Care Advantage is an HM Insurance Group product administered by Key Benefit Administrators (KBA). The medical portion of the product provides group limited medical indemnity benefits; it does not provide major medical or comprehensive medical insurance. Based on the plan selected, Medical and Vision coverages are underwritten by HM Life Insurance Company, Pittsburgh, PA, under policy form series HM905, HL902 or similar for all states except New York. In New York, coverage is underwritten by HM Life Insurance Company of New York, New York, NY, under policy form series HM407, HL902 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-310A. In New York, Dental is underwritten by Renaissance Health Insurance Company of New York, New York, NY, under policy form series DT-300A-NY. When available, other coverage options are specified at time of offer.

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 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.