If you have over 100 employees enrolled in your medical plan, when was the last time your broker reviewed your claims? Can you name the top cost drivers? Not who, but which conditions? What programs are in place to control these disease states?

HM proactively manages medical benefit programs employers to keep costs below comparable levels. As the health care industry continues to change, we, too, have evolved with new concepts. Our aggressive management techniques include a number of medical management and preventive health initiatives.

With leading-edge technology, we will obtain meaningful information that helps us evaluate cost, trends, and savings opportunities. HM believes that in order to get where you want to be in three to five years, you first have to know where you’ve been. We provide our clients with consistent year-to-year data, reporting formats, and comparative benchmarks. In addition, we work to evaluate the impact of future plan changes. This meaningful information enables us to work together with your data in a continuous, interactive manner as plan management issues arise.

Here are some of the questions we strive to illustrate to clients:

Why are office visits so high? Why are they going? Are they using in-network or out-of-network providers?
Why are plan members using the emergency room so frequently? Who is using the ER most – employees, spouses, or dependents?
What is the pharmacy usage? Are generics under-utilized?
What is the current preventive utilization?

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