Page 4 - HPMPT Agent Presentation flipbook
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SELF FUNDED MULTI EMPLOYER PLAN
• Rating. Because we are not regulated in the same way as the fully insured carriers, the HPM
Health Plan has more freedom in underwriting and rating our groups. We work very closely
with an actuary to maintain proper rating methodology and ensure the stability of the trust.
We have greater control over our costs as we are not subject to many of the fees and
mandates imposed by state and federal regulation on fully funded plans.
• Choice. Our plans were created by our Board and are evaluated and updated on a regular
basis. The HPM Health Plan offers a wide range of plans from traditional Comprehensive
Plans to High Deductible Health Plans that qualify for the Health Savings Account. We can
adjust our plans to fit the needs of potential member groups and many times, we can offer
better health benefits at very competitive costs.
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