Hulse/QM Insurance Mechanicsburg, PA
How We Help You
  • Quality Student Health Insurance Programs
    • Healthcare Advocate Program
    • Administrative Program
    • Athletic Advocate Program
    • Student Athletic Insurance
    • The Balancing Act
  • Real Life Stories - Advocating for Students
  • Our Difference
  • Our Mission & Vision
  • About Hulse/QM
  • FAQ


Student Insurance Administrative Program



The Administrative Program is our traditional Student Health Insurance Program that brings to you a choice of carriers with a full-range of administrative services. Through the Administrative Program, Hulse/QM® will identify the best offerings of each insurance company, including insurance company services, to design a cost efficient and effective program of student insurance.

With the Administrative Program, your parents and students will have access to our Enrollment Staff through a dedicated toll-free number. This Staff will assist students and parents with their decision making and answer questions about the benefits offered through the school-sponsored plan.

Through the use of our proprietary software and customizable website, enrollments and waivers are collected electronically. We track each of your students through the open enrollment process and electronically process enrollments to your carrier of choice.

This is a commission-based program where the cost of your full-service Satellite Office of Student Insurance is financed by the commission received from the insurance company. The Administrative Program is compatible with all types of student health insurance policies, including voluntary through hard waiver.

Services Include:

Request for Proposal Services
Hulse/QM® will take on the task of renewing your student insurance program. We will manage your Request for Proposal (RFP) process and submit your detailed RFP to multiple carriers, analyze submissions, and present results to the school.

During this process, our licensed, insurance professionals will meet with your key student insurance decision makers to determine the needs of your students and the viability of your current insurance offering. We will analyze the benefits and loss history of your current school-sponsored plan to determine any strengths and weaknesses of the current program, always looking to improve the cost-to-benefit ratio for students.

With Hulse/QM® you have access to expert knowledge in the student insurance industry. We maintain our independence as a broker which allows Hulse/QM® to go to the market place and negotiate the best program for your students.

"We are the experts in student health insurance,
so you can be the experts in educating students"
--Jack Hulse, President, Hulse/QM


At the conclusion of the RFP process, we notify all bidders of the outcome and coordinate the implementation of the selected plan. Our staff reviews the insurance company's published documents (brochures, flyers, etc) for accuracy prior to publication. And most importantly, a detailed review of the final policy document is conducted to ensure it meets the terms promised during the sale process.

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Enrollment/Waiver Processing
Any student insurance program brings with it a significant administrative workload. You have a lot of students that need to be advised of your school Student Health Insurance Policy. Those students and parents need to respond with their health insurance information, enroll in the school-sponsored plan, or need a place to ask questions. Information needs to be provided to the insurance carrier to enroll the students, and the whole process needs someone to make sure things are getting done.


Services Include:
  • Timeline Development that capitalizes on effective planning in the beginning of the process to free up staff for other important duties.
  • Dedicated toll-free telephone line for use by students, parents and staff.
  • Online Enrollment and Waiver capabilities through our website that allows for customization and the collection of other insurance related data.
  • Insurance company vetting to ensure student submissions include active health insurance.
  • Reminder emails to students to respond to the school's Student Insurance Policy.
  • Enrollment activity transmitted to carrier via electronic files to reduce error.
  • Carrier transmissions are performed throughout the process to ensure students have access to their school-sponsored benefits as soon as possible.

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Mailings and Phone Calls
Notification and response is the "name of the game" in administering Student Health Insurance Programs. Hulse/QM® has created efficient processes for notifying your students of the requirements of your school's Student Health Insurance policy and the benefits available to them under the school-sponsored plan.

Most of our colleges and universities have out-sourced the notification process to Hulse/QM®. We have a proven, multiple communication process that results in the maximum number of student responses.

We utilize traditional and electronic technologies and continually investigate new ways to reach your students. You can schedule outreach phone calls to your no response students into your program. This service is utilized by our first or second year clients, until students become accustomed to your school's policy and to providing information to Hulse/QM®.
Additional fee for some services.

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Direct Premium Collection
Hulse/QM® has recently added Direct Premium Collection services. Through our website, we can accept cost of insurance payments directly from the student, minimizing or eliminating the workload of the Student Accounts staff. During our program development process, we will review your options and assist in the decision as to whether this program is right for your school.
Additional fee.

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Reporting and Auditing
With all Quality Student Health Insurance Programs there is a need for information. Hulse/QM® provides a full range of reporting that is customized to the needs of your collegiate management software. Hulse/QM® works with your IT or departmental staff to determine file formats that are compatible with your current systems.
Included in Base Fee

Examples of Reporting:

  • Health Center Files
  • Student Account Files
  • Athletic Insurance Files
  • Quarterly Reporting
  • Historical Reporting

Periodically during the annual term of your insurance program we perform an audit on the insurance company enrollment records for accuracy of benefit eligibility. We also review insurance company invoices to verify appropriate premium has been charged to all enrollees.

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Athletic Reporting
The Athletic Department is a key user of health insurance information on a college or university campus. We have developed systems that can report specifically on athletes and provide needed reporting to athletic departments and trainers. We have several reporting formats, so athletic staff can choose what is most useful to them.
Additional fee, unless Hulse/QM® brokers your intercollegiate athletic insurance.

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The Balancing Act
Real Life College University Student Insurance Stories