HMA Value Proposition
Working with you to Provide the Lowest Possible Healthcare Cost
We focus on products that enable us to provide the "lowest net cost" to our clients while maintaining high levels of service quality. We can better control claims costs, the greatest bulk of your healthcare expenditure, through our internal operational and information technology initiatives as well as our provider network, enhanced medical management, and excess loss partnerships. And because plan performance data is readily available, we can easily provide consultation on possible plan improvements and cost control programs that make the most sense to each of our clients.
Controlling Costs through Access to Unique Provider Networks
Since medical claims are the biggest portion of your health plan costs, better provider access and deeper provider discounts can make a big difference to your plan expenditures. We offer unique access to provider networks not available through any other TPA. These provider networks, in many instances, may offer deeper provider discounts then other for-rent provider networks. HMA also has contracts with several national PPO networks for employers with locations outside of Washington and Oregon.
Controlling Costs by Impacting Utilization
HMA offers a complete array of services designed to impact utilization patterns of your membership. We also offer a full portfolio of Consumer Directed Healthcare options that incorporate program designs that can dramatically impact enrollees’ discretionary spending, thereby reducing overall medical utilization.
Promoting Quality Through Process Measurement, Employee Involvement, and Listening to our Customers
For more than 20 years HMA has been a leader in the Third-Party Administrator (TPA) Industry because we recognize that the core of everything we do has to be service to our clients and their employees. In order to drive quality throughout our organization HMA has adopted a formalized "Quality Focus" program that guides our decision-making, planning, and operational processes.
The first part of our program focuses on constantly improving our Business Practices through a process of Continuous Quality Improvement, by which we outline all of our workflows and monitor all of our statistics so we can identify and focus on specific areas for improvement. Because we have a very clear understanding of where we are currently, we can more easily plan our future and meet the challenges of a changing marketplace.
The second part of our program focuses soliciting and reviewing Customer Feedback. By listening to our customers we are able to ensure that we are providing the best service and consumer experience possible to our members and groups.
The final part of our program focuses on Employee Involvement. By empowering our employees and giving them the tools necessary to be skilled professionals we ensure that our processes are continually improved and that the HMA can continue to perform at the highest level.
Providing Integrated Benefits Administration Products and Solutions
Managing Health Benefits Plans is a challenge with all of the niche service options that have emerged over the last several years. For that reason we have combined services provided by HMA with those offered by several "best of breed" partners to facilitate a "One Stop Shopping" experience. This means that we integrate with the partners so that service is seamless, including exchanges of information and billing. Click here for more information on our integrated product portfolio.
Benefit Design Flexibility
A self-funded plan may be tailored to fit your exact needs. This means you are free to select only those benefits that are valuable to your employees and their dependents. You may also duplicate previous benefits in order to create a smooth transition into self-funding.
Customized Administration
The administration of billing, eligibility, service, claim adjudication as well as other aspects of the program are tailored to meet your needs. You can also make decisions regarding various aspects of the plan without disrupting the continuity of plan administration, such as changing a PPO, stop-loss carrier, or pharmacy benefit manager. Each part of the program is separately accountable yet brought together seamlessly to your members through HMA. HMA regularly reviews our vendor relationships in order to supply "best-of-breed" options in each vendor category.
Continuous Competitive Stop-Loss Coverage
In order to ensure that you are obtaining the right product HMA performs a regular Vendor review of our stop-loss markets that focuses on contract strength, underwriting practices, claim payment practices, and product portfolio. We regularly share our results to clients and consultants interested in our review findings.