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HM Risk and BenefitsHM Risk and Benefits
  • About HM
  • Property
  • Employee Benefits
  • Personal
  • Claims
  • ​Specialty
  • ​Industry
  • Contact HM

Employee Benefits Consulting

Our Service Model

Every broker claims they have “the best” relationships with carriers. With HM, you’ll not only get the benefit of our excellent carrier relationships, but we also know that securing the right coverage and managing costs requires more than just carrier relationships. At HM, it’s our client relationships that take center focus. What differentiates us is our engagement with you to identify and plan your company objectives, then manage expectations and outcomes with an emphasis on benchmarking and monitoring industry trends. This close-knit interaction is at the core of our ability to customized solutions suited to your unique situation.

No two clients are the same. And neither are insurance brokers. When was the last time your broker brought a new concept to your attention? HM has invested in hiring experts in a variety of areas to bring fresh insight to current and future clients. Our service model provides you with a team of experienced specialists to handle your needs. This translates to better advice for you, proactive program management, and the innovative perspectives necessary to contain the spiraling costs of health care while maintaining competitive benefits.

Cost Management

  • Multi-year Planning Strategy

  • Claim Data Analysis

  • Benchmarking

  • Cost Projection/Budgeting

  • Plan Design/Rate Setting

  • Contribution Analysis

  • Consumer Driven Health Plans (CDHP)

  • Pharmacy Analysis

  • Stop Loss Breakeven Analysis

  • Benefits Captive Solution

Communications and Administrative Services

  • Employee Meetings

  • Online Enrollment Consulting

  • New Hire Guides

  • Open Enrollment Guides

  • Video/Webinar Meetings

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Employee Benefits Menu

  • Actuarial Services
  • Benchmarking Surveys & Statistics
  • Compliance (ERISA)
  • Data Analysis
  • Employee Communications
  • Enrollment Services
  • Human Resources Tools
  • Our Service Model
  • Pharmacy Benefit Services

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Integrated insurance, legal, and HR experts all under one roof.

Reinventing the consulting relationship by challenging the status quo.

Contact HM

HM Risk & Benefits

  • St. Louis Headquarters
  • 8235 Forsyth Boulevard, Suite 1200, St. Louis, Missouri 63105-1643
  • Toll Free: 800-489-6626 | 314-746-4700
  • 314-889-3700
  • https://hmrisk.com/
  • Springfield, MO Office
  • 2925 E. Battlefield, Suite 120, Springfield, Missouri 65804-4020
  • Toll Free: 844-432-1010 | 417-895-4600
  • 417-895-4602

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