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HM Care Advantage, a limited benefit medical plan, offers these advantages:

• Benefits are guaranteed issue with no medical questions
• There are no exclusions for pre-existing 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
• A national provider network is offered to reduce the out-of-pocket costs to members when a network provider is used
• Benefits can be paid directly to the employee or the provider, and there is no coordination of benefits
• Coverage may be offered as voluntary or with an employer contribution.

HM Life Insurance Company of New York is rated A- (excellent) by A.M. Best.

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 of New York product administered by Key Benefit Administrators (KBA). Based on the plan selected, Medical and Vision coverages are underwritten by HM Life Insurance Company of New York, New York, NY, under policy form series HM407, HL902 or similar.

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 Discounts – different options exist and are specified at time of offer. Other administrative and/or customer support services may be provided by HM Benefits Administrators, Pittsburgh, PA. Certain exclusions and limitations may apply. See your certificate or other evidence of coverage for details. Coverage or service requested or the use of an association, franchise, trust or union may not be available.

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