TIA Members: Give Employees the HM CARE ADVANTAGE

 

 

TIA is offering its members HM Care Advantage, a group limited benefit medical indemnity insurance plan. TIA’s exclusive offering gives you three plans to choose from that include unlimited physician visits, insured prescription drug, a daily in-hospital benefit, an additional first day of admission benefit, surgery and anesthesia, outpatient diagnostic testing, and more!

Employees can choose coverage for themselves or coverage for their spouse and/or children. In addition, a national provider network is included to further reduce an employee's out-of-pocket expenses. And, member identification cards show each covered benefit.

For ease of administration for the employer and their employees, payroll deduction is offered, along with a customer service center for claims and questions. This limited benefit medical plan is available through First National Administrators (FNA) and Trade Insurance Brokerage (TIB), a respected insurance and benefits administration firm, and underwritten by HM Life Insurance Company.

What Are the HM Advantages?

• Benefits are guaranteed issue with no medical questions
• There are no exclusions for preexisting conditions and no annual or lifetime maximums
• HM Care Advantage pays a first dollar, fixed amount for medical services − with no deductible to meet
• Employers can design their own plans by selecting the benefit levels and premium amounts
• Dependent-only, spouse and family coverage is available on all plans
• There is no coordination of benefits
• Two-year rate guarantee
• Available in multiple states
  

Networks Help Reduce Members’ Expenses

A national provider network is offered to reduce the out-of-pocket costs to members when a network physician, hospital or facility is used. There is no penalty if a non-network physician, hospital or facility is used. Discounts continue even if specified benefits are exhausted.

Age Guidelines

Employees and spouses ages 18 to 69 years may enroll for coverage. Benefits terminate at age 70.

Active Work Requirement

An eligible employee must be actively at work, working at least an average of 15 hours per week for the group policyholder (to be verified annually using the quarterly wage report).

Employer-Sponsored Discounts

Employer-sponsored plans may be discounted up to 25 percent, depending on the amount of the contribution provided. The discount does not apply to insured dental, vision or prescription drug coverage or the value-added services.

Employer contribution as a % of the plan cost*	Medical-only discount
50%	10%
51 - 74%	15%
75 - 99%	20%
100%	25%

Plan Design

The HM Care Advantage plan design is completely flexible. Employers can select the dollar amount and the number of services for each benefit to fit the needs and budgets of their employees. Three plans that include unlimited physician visits and an insured prescription drug benefit have been designed exclusively for TIA members.

  View Plans Designed for TIA Members

Core Benefits included in every plan designed for TIA members:

• Unlimited physician office visits
• Insured prescription drug
• Daily In-Hospital
• Additional Daily Benefit for First Day of In-Hospital Admission
• Surgery/Anesthesia
• Outpatient Diagnostic Testing
• Provider network
• Hospital emergency room
• Inpatient physician visits
• Outpatient hospital services
• Wellness screening test
• Wellness service
• Home health care
• Ambulance service
• Vision Discount Card
• Health Information On-Call
• Health Information On-Line
• Complementary Wellness Discount Program
  

  

Get the HM Care Advantage TODAY!

To select one of the plans designated for TIA members, or to design your own plan, contact FNA at healthinsurance@tiaplans.com, or call toll-free: 855.225.5458.

*Percentage of plan cost is based on the cost of the lowest priced employee-only plan; however, discount applies to all plans.

 

HM Care Advantage pays a fixed amount for medical services. It does not provide major medical or comprehensive medical insurance.
HM Care Advantage is an HM Life Insurance Company product administered by Key Benefit Administrators (KBA). Based on the plan selected, Medical and Vision coverages are underwritten by HM Life Insurance Company, Pittsburgh, PA, under policy form series HM905, GP902 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-300A or DT-310A. 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 – 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.

 

HM Care Advantaged is sold to TIA members through: