Healthcare Management Administrators (HMA) 2/20/2025

Proving What’s Possible in Healthcare This document contains important terms and conditions which are incorporated by reference into and becomes part of the terms of your contract with us. ©2024, Healthcare Management Administrators, Inc. Stop Loss Contract Highlights We understand there are many stop loss carriers in the market and rates are only one of the many important factors to consider in carrier selection. Understanding policy provisions between carriers and underwriting practices of stop loss carriers can vary and should be considered prior to purchase. Renewal guarantees and no laser options may be available. Please review a carrier's formal stop loss proposal for the terms that apply to your quote and for any contingencies or caveats to bind coverage. Through our review and evaluation process, we have deemed several stop loss carriers to be preferred. We value our long-term relationships between our Care Management and Claims Operations teams, and our preferred stop loss partners. We have built efficiencies to facilitate more reliable reimbursement of stop loss claim violations and shared agreements on the following: •Discounting rates based on Disease Management and Maternity Management programs •Shared reporting requirements •Synergy with our Case Management and Utilization Review •Mitigation of potential claims payment disagreements •Ease of invoice billing and reconciliation •Compensation in the form of an override for the services we provide on behalf of our clients HMA can support you with shopping the stop loss market by requesting stop loss proposals from our preferred carrier partners. Please notify your account manager if you would like our assistance. Please note, if the client desires to work with a stop loss carrier or third -party service, which is not currently included in our preferred carrier list,you must notify us upfront. We reserve the right to decline to work with non-preferred stop loss carriers, MGU’s, GA’s and Captives.If we agree to administer a plan with a stop loss carrier that is not preferred, we will charge an interface fee of $3.50 PEPM. For carriers where we are not an approved benefit administrator, we reserve the right to decline to proceed with the approval process at our discretion. PLEASE REFER TO THE STOP LOSS QUOTE FOR INFORMATION ON CONTRACT FEATURES, CONTINGENCIES AND POSSIBLE LASERS Direct Contracts (no intermediary)MGU’s Sun Life Financial HM Insurance Group QBE Insurance Corporation Symetra Financial Tokio Marine HCC Physicians Insurance Commencement Bay Risk Managers SwissRe Voya Financial Berkshire Hathaway ISU w/ Companion Medical Risk Managers (MRM) Starline iiSi 16