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Why Health Care Mutual?

Competitive Rates: Competitive, stable pricing makes Health Care Mutual an attractive alternative to the ever changing traditional insurance market. Health Care Mutual offers flexible interest-free payment plans with monthly payroll reporting available.

Security: The program is protected from large losses through the placement of reinsurance with an A.M. Best “A” rated insurance company. Health Care Mutual is protected also by the Georgia Insolvency Pool, a statutory entity created to secure claim liabilities in the event of an insolvency.

Stability: Health Care Mutual uses rigorous underwriting criteria for member acceptance. Once accepted, you will be joining a select group of peers who share a commitment to workplace safety.

Aggressive Claims Handling: Claims are managed in an aggressive and cost-effective manner by our Administrator’s professional claims department. Light duty, return to work programs, and subrogation recoveries are actively pursued.

Professional Loss Control Services: Health Care Mutual policyholders receive professional loss control services tailored to the health care and social service fields at no additional charge. These services are coordinated by our Administrator’s Safety and Loss Control Manager, and include job site surveys, loss control recommendations, and training.

Case Management Nurse on Staff: Nurse case management is utilized on lost time claims to facilitate effective treatment programs and early return to work.

Sold Exclusively through Independent Agents: Coverage with Health Care Mutual is available exclusively through independent insurance agents located throughout Georgia. Our agent network consists of knowledgeable insurance professionals who are qualified to advise you on your insurance needs.

Below are additional benefits to working with Health Care Mutual:

  • Deductible Credits
  • Drug-Free Workplace Credit
  • Tailored Safety Programs
  • Proven Track Record
  • In-House Bill Review with Discounted Fee Schedule
  • Association Endorsements
  • Outstanding Customer Service