HMA Direct is a national consulting firm specializing in diverse benefits packages. HMA Direct is comprised of a licensed general agency, an independent third-party administrator, and a managing general underwriter. HMA Direct brings experience and knowledge in the fields of benefits administration, general underwriting, benefits consulting, and more to meet the many needs of all types of employers HMA Direct is based out of Newton, Massachusetts. Three separate and distinct entities are integrated together to provide services to its customers. HMA Direct manages risk and provides actuarial services through its managing general underwriter (MGU) to employers, providing services such as medical underwriting, stop loss program pricing and management, and actuarial simulation modeling. HMA Direct offers medical, dental, and vision benefits to clients through its TPA Company. HMA Direct also provides total health and wellness programs, claims processing and management, disease management, COBRA, and HIPAA compliance services. HMA Direct offers a variety of other services through New England Custom Health Plan Administrators, LLC (NECHPA). These services include employee benefit statements, retirement planning, legislative compliance guidance, and employee handbook consultation. HMA Direct provides full-service benefits consulting and is able to handle the needs of its numerous business clients.