HCML Healthcare
Trust Solutions
Transforming Healthcare Trusts Since 2000
At HCML, we believe healthcare should be proactive, not just reactive. Since 2000, we have been transforming healthcare trust management, helping businesses provide flexible care solutions, better employee health outcomes, and reduced costs
The HCML advantage:
We don’t just treat symptoms; we use a biopsychosocial model to understand and address the physical, psychological, and lifestyle factors that contribute to ill health. By identifying these underlying risks, we help shift the focus from reactive treatment to proactive solutions that support long-term employee wellbeing.
By analysing claims data and health trends, we provide actionable insights that enable employers to tailor benefits and solutions to their workforce’s real needs. This ensures healthcare trusts remain relevant, cost-effective, and aligned with both employer goals and employee wellbeing.
We offer flexible healthcare options, allowing businesses to customise benefits and administration to fit their specific needs. Rather than a one-size-fits-all insurance product, our solutions give employers greater control over their healthcare strategy, addressing workforce challenges with targeted support.
When authorising a claim, we provide employees with insights into the broader factors affecting their health and connect them with benefits that support long-term wellbeing. This proactive approach allows them to take control of their own health, reduces future health risks and helps to lower costs for employers.
Our Trust services:
Sole Trust
Fully tailored healthcare solutions for large employers
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Master Trust
Accessible healthcare solutions for SMEs
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How We Manage Claims
A smarter approach to administration
Our Managed Care approach ensures employees receive the right treatment at the right time, addressing their immediate healthcare needs while also providing support to tackle the underlying risk factors that contributed to their condition, helping to prevent future recurrence.
Our Managed Care approach includes standard options such as preferred hospitals and management of practitioners. However, we go further by offering a range of additional benefits.
Features of HCML’s Managed Care:
Comprehensive assessment
Identifying underlying causes, not just symptoms.
Holistic interventions
Incorporating sleep, nutrition, exercise, and mental health support alongside clinical treatments such as physiotherapy and CBT.
No need to see a GP for MSK and Mental Health conditions
Employees can be assessed directly by an HCML specialist, ensuring faster access to the most suitable care.
Preauthorisation process
Ensuring all treatments are necessary and effective.
Guidance on managing contributory factors
Employees can receive tailored advice on lifestyle changes that can improve their recovery. Eg, someone needing knee surgery may also receive nutritional support and weight management guidance.
Network of clinically governed providers
Access to high-quality specialists across multiple disciplines to deliver the best possible care.
Optional assessment of broader health risks
Where relevant, we identify underlying factors contributing to symptoms and recommend interventions to improve overall health outcomes.
Why choose HCML?
HCML delivers flexible, cost-effective healthcare trust solutions that put businesses in control of their healthcare strategy. With over 20 years of expertise, we combine data-driven insights, proactive claims management, and a focus on prevention to improve employee wellbeing while reducing costs.
Tailored & flexible solutions
Fully customisable trusts designed to meet your workforce’s specific needs.
Data-driven insights
Advanced analytics to shape smarter health and wellbeing strategies.
Proactive managed care
Ensuring the right treatment at the right time, reducing unnecessary spend.
Extensive provider network
Access to physiotherapists, mental health specialists, and rehabilitation experts.
Cost-efficient healthcare
Our added-value benefits and proactive Care Management approach help optimise treatment
pathways leading to potential cost savings for employers.
Personalised healthcare
Employees gain insight into their condition and contributing health factors, helping them to potentially reduce recurrence risk and improve long-term wellbeing
Would you like to know more?
Let’s talk about how HCML can support your healthcare strategy.
