About Us

Healthcare Services Group (HSG)

Provides management, employees and facilities to operate our Family of Companies as well as providing a vast array of value added services including claim management, risk management, patient safety education and more. We have earned a proud reputation as insurance problem solvers, serving Missouri, Kansas, and Illinois healthcare providers.

The Healthcare Services Group Family of Companies includes:

  • Missouri Hospital
    Plan

    • The leading writer of medical professional and general liability insurance for Missouri hospitals, their employees, subsidiaries, and related operations.

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  • Medical Liability Alliance

    • Provides professional and general liability insurance to physicians, for profit hospitals, healthcare facilities and providers in Missouri, Kansas and Illinois.

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  • Providers Insurance Consultants, Inc.

    • Broker for property and liability insurance to healthcare providers and facilities.

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  • Hospital Association Trust

    • A multiple employer trust arrangement, incorporated by hospitals for hospitals, formed to address the lack of availability of reasonably priced Workers’ Compensation insurance.

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  • HSG Charitable Foundation

    • Provides up to $3,000 of financial support of students pursuing medical, nursing or other healthcare related degrees or certificate program.

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  • HSG Employee Benefit Consortium

    • Group purchasing organization formed by hospitals to leverage collective purchasing power to achieve better coverage and lower cost, employee benefits, and retirement plans.

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BRIEF HISTORY

The first HSG company began providing affordable medical professional and general liability insurance protection to Missouri hospitals 40 years ago. The first, and each successive HSG company, was formed to offer solutions to crises facing hospitals and healthcare providers across the state. The same is true of the extensive value-added services we provide our members and insureds. We strive to go above and beyond traditional insurance programs to offer additional solutions at no cost to our insureds.


MORE THAN MEDICAL MALPRACTICE INSURANCE

Customers Have FREE ACCESS to Extensive Resources:

LEGAL SERVICES & CLAIMS MANAGEMENT

  • Non-Claims Legal Consultation
  • Representation for Disciplinary Hearings, Investigations, and Depositions
  • Response to Records Requests and Licensing Boards
  • Board Policy/Contract Review and Legal Advice
  • Dedicated, Individualized Service
  • 24-Hour Urgent Response System
  • Monthly Loss Reports
  • Personalized Annual Claim Review
  • Knowledgeable, Experienced Claims Management Team

RISK MANAGEMENT & PATIENT SAFETY

  • 24-Hour Consultative Services
  • Individualized Consultation
  • On-site Risk Assessments and Self-Assessment Evaluations
  • Online Education through ELM Exchange
  • Physician CMEs
  • Nursing CEUs
  • Risk Management Premium Discount Program
  • HIPAA Audit Tool (SRAT)
  • CONCEPTS: Guiding Principles for Clinical Risk Management
  • Media Library
  • Webinars
  • RM Discussion Forum

SOLUTIONS NEWSLETTER

  • Our quarterly SOLUTIONS newsletter is designed to provide our members with valuable information about risk management, patient safety, legal issues, coverage, benefits, ways to save on premiums and other costs, as well as ways to take advantage all of the products and services we offer. In each newsletter, look for updates and SOLUTIONS from Underwriting, Claims and Legal Services, and Risk Management and Patient Safety, Marketing and Communications, ProCon, the HSG Charitable Foundation, and the HSG Employee Benefits Consortium.


ADDITIONAL CUSTOMER BENEFITS

DIVIDENDS & PROFIT SHARING

Healthcare Services Group (HSG) Family of Companies believes in giving back to its members and policyholders. The Companies employ highly efficient operating practices, keeping the expense ratio well below the national average, providing additional revenue to the bottom line, and allowing us to sustain increasing dividends and profit sharing to policyholders.

In 2016, HSG announced a record-setting $14.9 million in dividends and profit sharing by its companies, Missouri Hospital Plan and Medical Liability Alliance, the largest writers of medical professional liability insurance in Missouri. This is not only the largest combined return in company history, but also the biggest year-over-year increase since 2008.

MISSOURI HOSPITAL PLAN (MHP)

MHP DIVIDEND FACTS
Fact 1: Eligibility: Members are eligible to receive dividends after one year upon renewal
Fact 2: 2016 Return: $13.1M was returned
Fact 3: Dividend Sharing Ratio: MHP’s 60% dividend ratio is more than 20 times that of industry peers
Fact 4: Over the past five years, payouts have increased by 23%
Fact 5: Rate History: Insurance policy rates have been maintained or decreased every year since 2004

MEDICAL LIABILITY ALLIANCE

QUALITY CAREGIVERS PROFIT SHARING PLAN FACTS
Fact 1: Eligibility: Policyholders are eligible for profit sharing after one year*
Fact 2: 2016 Return: 18.5% of premium was returned in 2016
Fact 3: Profit Sharing Ratio: MLA’s 11% profit sharing ratio is more than three times that of industry peers
Fact 4: Over the past five years, payouts have increased by 23%
Fact 5: Rate History: Insurance policy rates have decreased by 35%, cumulatively, since 2007
*Payable upon renewable, subject to defined loss experience standards.

MISSION, VISION, AND VALUES

Mission Statement
To protect and promote quality healthcare, we are a trusted provider of innovative, comprehensive, fairly-priced, high-quality insurance products and services for hospitals, physicians and other healthcare providers.

Vision Statement
To be the preferred, trusted partner to healthcare providers delivering substantially more value than the competition by continually enhancing products and services that allow our customers to better serve their patients and communities.

Values and Ideals Reflected in our Actions
Beneficent – Producing a benefit for others
Collaborative – Working together
Ethical – Being honest; having integrity
Loyal – Being faithful to our Mission
Good Stewards – Being faithful to our Stakeholders

BREECH RESPONSE INSURANCE


The advent of electronic medical records, in conjunction with mandates stemming from data-information breeches, has fueled the need for Cyber Liability Insurance. Cyber Liability-related claims are for the most part excluded by the traditional insurance coverage purchased by hospitals and medical providers. Most notably, but not exclusively, cyber policies cover a business’ liability for a data breach in which the firm’s customers’ personal information, such as Social Security or personal healthcare information, is exposed or stolen by a hacker or other criminal who has gained access to such data.

ProCon has developed a Cyber Liability program specifically designed or hospitals and leveraged the buying power of the group, resulting in broad coverage with an extremely competitive pricing model. The policies cover a variety of expenses associated with data breaches, including: notification costs, credit monitoring, costs to defend claims by state regulators, fines and penalties, and loss resulting from identity theft.

For more information, contact:
Melissa Heaton, Account Executive
1-800-522-2776
mheaton@hsg-group.com

HSG CHARITABLE FOUNDATION (HSGCF)

  • The Healthcare Services Group Charitable Foundation provides up to $3,000 financial support of students pursuing medical, nursing or other healthcare related degrees or certificate programs. The scholarship/tuition reimbursement program facilitates the attraction and retention of healthcare professionals in Missouri. This program is designed to match scholarships or tuition reimbursements awarded by hospitals that are insured by Missouri Hospital Plan.

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HSG EMPLOYEE BENEFITS CONSORTIUM (HSGEBC)

  • Through its group purchasing strength, HSGEBC provides affordable insurance coverage and flexible benefit programs for member hospitals. Available programs include group health, life, dental, disability, dental, voluntary benefits and retirement plan products and services.
  • Members have realized substantial savings and employee benefit plan improvements as members of this group.
  • For information on retirement plans call Josh Selzer at 800-683-3440. For information on all other benefit plan products call Randy Lueckenotte at 800-869-5994.

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MISSOURI’S LEADING WRITER OF MEDICAL PROFESSIONAL LIABILITY INSURANCE

Healthcare Services Group Family of Companies – Missouri’s leading writer of medical professional liability insurance. Formed by and for healthcare providers, we have earned our leadership position and extraordinary customer retention by distinguishing ourselves from competitors for more than 40 years. We do this through consistent and disciplined business plan execution; extraordinary customer service; and expense ratios that are among the lowest in the industry. As a result of these fundamentals we have been able to deliver SO MUCH MORE:

  • Financial performance

    • Customers can take comfort in the knowledge that our financial performance has resulted in industry leading surplus ratios that enable us to respond when customers need us most – when they have claims.

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  • Shared profits with loyal customers

    • Few companies share profits. HSG has a long history of sharing significant profits with policyholders. In 2016, HSG announced a record-setting $14.9 million in dividends and profit sharing by MHP and MLA.

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  • Continuously adding value

    • We offer so much more. We are constantly adding products and services that meet customer’s needs. Many of our value-added services are provided free as a customer benefit.

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