Business Details
34 Years
experience
Trusted Workers Compensation Insurance for Healthcare Providers
Health Care Mutual was established in 1992 by healthcare providers seeking affordable workers' compensation coverage. We specialize in serving assisted living facilities, home care agencies, hospices, and social service organizations through a policyholder-owned captive insurance model. Our conservative management approach emphasizes personalized service, workplace safety, and long-term relationships. We provide comprehensive coverage solutions including loss control services, aggressive claims management, and nurse case management. Our program is protected by reinsurance with A.M.Best A-rated carriers and Georgia's insolvency fund. We offer flexible payment plans and work exclusively through independent Georgia-based agents. Our team includes experienced underwriters, claims specialists, and safety professionals dedicated to our members' success. We support industry associations through marketing royalties that fund advocacy and education initiatives. Our proven track record demonstrates our commitment to stable pricing and exceptional service in the workers' compensation market.
Services
Workers Compensation Coverage
Loss Control Services
Claims Management
Nurse Case Management
Safety Programs
Payment Plans
Details
- Year established: 1992
Highlights and features
- Competitive, stable pricing with flexible payment plans
- Aggressive claims handling with subrogation recoveries
- Professional loss control services tailored to healthcare
- In-house bill review with discounted fee schedule
- Association endorsements from industry-leading organizations
Associations and certifications
- A.M. Best
Services
Workers Compensation Coverage
Health Care Mutual provides specialized workers' compensation insurance for healthcare providers and social service organizations. Our policyholder-owned captive model offers stable pricing and comprehensive protection. Coverage includes reinsurance backing and access to Georgia's insolvency fund for added security.
Loss Control Services
Professional loss control services help prevent workplace injuries through job site surveys and safety training. Our dedicated Safety and Loss Control Manager provides tailored recommendations to improve workplace safety and reduce claims in healthcare settings.
Claims Management
Our experienced claims department manages cases aggressively to minimize costs. We implement return-to-work programs and pursue subrogation recoveries. Claims are handled with expertise to ensure timely resolution and cost-effective outcomes for policyholders.
Nurse Case Management
Registered nurses provide case management for lost-time claims to optimize treatment and facilitate early return to work. Our nursing team coordinates care plans and monitors progress to ensure proper medical outcomes for injured workers.
Safety Training
Customized safety programs help organizations maintain safe work environments. Our services include job-specific safety training and implementation of drug-free workplace programs to reduce workplace injuries and claims frequency.
People
Amy Salmon
Chief Operating Officer
Amy Salmon oversees daily operations with 15+ years of insurance industry experience. She ensures efficient service delivery and maintains our commitment to policyholder satisfaction through strategic leadership and operational excellence.
Carla Edwards
Vice President
Carla Edwards manages key relationships and strategic initiatives with extensive experience in healthcare insurance. She focuses on maintaining our policyholder-centric approach while driving growth and innovation in coverage solutions.
Larry Walker
Marketing Manager
Larry Walker leads marketing efforts with deep knowledge of healthcare insurance needs. He connects providers with our coverage solutions and supports industry associations through collaborative marketing initiatives and educational programs.
Dawn King
Senior Claims Representative
Dawn King manages complex claims with a focus on timely resolution. Her expertise in workers' compensation claims ensures policyholders receive efficient service and cost-effective outcomes through proactive case management.
Paula DeBrosse
Nurse Case Manager
Paula DeBrosse provides expert nursing case management for lost-time claims. Her clinical expertise ensures appropriate medical care while facilitating injured workers' safe return to work through personalized treatment plans.
Questions
What types of organizations qualify for coverage?
We cover assisted living facilities, home care agencies, hospices, hospitals, nursing homes, and social service organizations through our specialized workers' compensation program.
How does your captive insurance model benefit policyholders?
Our captive structure provides stable pricing, eliminates joint liability, and offers protection through Georgia's insolvency fund while maintaining policyholder control through elected governance.
What loss control services do you provide?
We offer job site surveys, safety training, drug-free workplace programs, and customized loss control recommendations tailored to healthcare and social service environments at no additional charge.
How are claims handled?
Our professional claims team manages cases aggressively with subrogation recovery efforts, return-to-work programs, and in-house bill review to ensure cost-effective resolution of all claims.
Do you offer payment plan options?
Yes, we provide flexible interest-free payment plans with monthly payroll reporting available to accommodate our policyholders' financial needs.
