Top Reasons to Consider Buying Life Insurance After 60

Now that you are over 60, you may not think that you have a further need for life insurance. After all, your family is grown and you have safely accumulated sufficient assets to enjoy a comfortable retirement. The volatility of the market over the last few years, however, has taught us that few assets are ever truly safe. Now that your family is grown, it is time to look at life insurance differently: as the way to leave a lasting, loving legacy that will protect the people and purposes that are important to you. Some of the top reasons to consider buying life insurance after 60 include:

Asset Protection 

You have worked a lifetime to ensure you can have a comfortable retirement. Life insurance can protect your assets from the volatility of the market, and if you choose, you can decide to receive dividends as a tax-free source of supplemental retirement income or wholly or partially annuitize your cash surrender value to provide additional guaranteed lifetime income. You always have the option of accessing the cash surrender value of your policy, if needed as a source of emergency funds during life. 

Family Support

With life insurance in place, you can rest easy in the comfort of knowing that funds will always be in place to take care of your loved ones. Life insurance funds can be used to offset loss of retirement income to your spouse at death, or provide for the care of a disabled family member. 

Family Legacy

With life insurance in place, you can spend your money enjoying your retirement and still leave a generous legacy to your children and grandchildren. Life insurance adds flexibility to your estate plan, giving you the funds to balance uneven distributions of property or business interests to your children, or provide a gift to charity or grandchildren. Life insurance gives you the chance to give a tax-free inheritance or gift, which may be given at death or at any time prior, if you prefer. 

Debt Clearance

Debt is a tremendous burden your family should not have to face while dealing with the death of a loved one; by obtaining life insurance you can ensure your loved ones are left with no extra expenses at the time of your death. You can obtain one of our life insurance plans that pays all the sundry costs associated with death: all final expenses, debts, estate and inheritance taxes, and pay income in respect of a decedent taxes on IRAs, 401(k)s, etc. Obtaining life insurance after age 60 allows you to enjoy your retirement secure in the knowledge that you have protected your loved ones, your assets, and will be able to leave a legacy that will provide a comfort for years to come. 

Contact MHG Insurance to learn more about obtaining life insurance and the different types of insurance policies available by calling 954-828-1819, or visiting online at mhginsurance.com . Let us help you begin the preparations today to protect the ones you love most.

Top Reasons to Consider Buying Life Insurance After 60

Mark Bononi Insurance Q&A

MHG Insurance, headquartered in Fort Lauderdale, provides yacht crew health insurance plans designed specifically to meet the needs of today’s global yachting industry. In this week’s blog MHG Insurance Mark Bononi, director of the company’s Yacht Division, answers questions related to yacht crew insurance.

Q: In addition to yacht crew health insurance, what other types of insurance should I be considering? 

A: It’s also important to consider having life insurance and a disability income plan. Life insurance is designed with your loved ones in mind and plays an important role in your overall financial plan. In the event of your death, beneficiaries can be comforted knowing that they have time to re-adjust their standard of living, can pay off debts or other expenses or provide for their children's education. Having a disability income plan is equally important. A disability income plan can offer you peace of mind knowing a significant portion of your income can be replaced in the event of an unfortunate accident or sickness. Unfortunately, we have all heard or read about the tragic stories of a crewmember who suffered a debilitating injury or illness which forced them to leave the yacht and were unable to return to work for an extended period of time. It is also important to be prepared for the less serious injuries that could also keep you off work such as a broken ankle or severe knee injury. If you’re in between yachts or do not need to purchase a full-time health insurance plan, there are short term health insurance solutions that we can help you with as well. 

Q: Do yacht crew health insurance plans cover typical water sports activities like scuba diving?

A: Yes, but as with all insurance policies, there are exclusions and limitations so it is important to check policies carefully if you intend to participate in these activities. Normally, water skiing, jet skiing and winter sports are covered under most yacht crew health insurance plans, but there are still some policies where winter sports are excluded, so you need to review the coverage and ask questions.

Q: Is emergency medical evacuation standard in most plans? 

A: Yes.  However, the circumstances where an evacuation can be performed will vary from plan to plan. Normally, a medical evacuation requires you to be either at risk for loss of life or limb in the opinion of the attending physician, and that there are inadequate medical facilities to treat you. Evacuation is to the nearest facility able to provide the necessary treatment. 

Q: What are the eligibility requirements to sign up for a yacht crew insurance plan? 

A: Generally, you must be a full-time yacht crew member or reasonably expect to be working on a yacht as your primary means of income. Also, medical history can determine what type of insurance you may need, or what plans you may be eligible for. 

Q: What happens to my plan after I leave yachting?

A: In most cases, you will need to find an alternative solution when you return home. It’s important to discuss your current needs and future plans with your insurance specialist when selecting a health insurance plan. A yacht crew health insurance plan may not always be the right solution for you if you’re looking to keep the plan for the long-term. 

Q: As a U.S. citizen I am now required to have health insurance. Do yacht crew insurance plans satisfy this requirement?

A: Currently, there are no individual yacht crew policies which satisfy this requirement. However, MHG is an approved Affordable Healthcare Act (ACA) insurance agency and our team can answer all of your questions and help you find the right US health insurance plan based on your needs and budget. Open enrollment for coverage effective Jan. 1, 2015, begins Nov. 15, 2014.  However, if you’re looking for coverage now, a short-term health insurance plan may be a good interim solution. 

Q: What factors should I consider when selecting a yacht crew health insurance plan?

A: When selecting a yacht crew health insurance plan you should consider your itinerary, medical history, budget and your future plans. If you’re looking for specific coverage such as dependent or maternity coverage or coverage for a specific winter or water sports activity, that should be a consideration as well. 

Q: Am I covered by the yacht owner?

A: Yes, indirectly. However, the yacht owner’s insurance is not your insurance. Also keep in mind that the owner’s insurance and liability does not necessarily extend coverage to you when you are off the vessel or on vacation.  There may be other restrictions and limitations as well, which can create large gaps in your coverage. When you incur medical expenses, doctors and hospitals will hold you responsible for payment, not the vessel owner. 

Q: What other services are included with insurance policies?

A: In addition to your coverage, many insurance plans offer additional assistance such as help with lost luggage, lost passports, health alerts, and safety and security notices. Our Insurance Specialists will be able to tell you more once you start discussing individual plans that are suited to your needs.

Q: Do I always have to pay at time of service and apply for reimbursement?

A: Not always. Most insurance carriers are happy to work directly with doctors and hospitals. However, in many cases, especially for smaller claim amounts, the doctor or hospital will require payment upfront. The key to successful direct billing is to establish communication between the doctor and the insurance carrier as early as possible before treatment. We’re of course happy to help with this.

We know that dealing with insurance can be complicated. Insurance has its own language and attempting to evaluate all of the information on your own can be overwhelming. At MHG, we have the experience and resources to help you select the best solution for your particular circumstances, coverage requirements and budget. Once you purchase a policy we will continue to assist you with questions about your policy, details about the coverage it provides and throughout the claims process. Whether you are purchasing a plan for the first time, already have a plan in place and are looking for a more affordable alternative or, simply looking for better coverage, let us know, we would be happy to help.

To learn more about yacht crew health insurance for groups, individuals or fleets call us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com

Insurance Q&A With Mark Bononi

Travel Insurance Myths

You have been working really hard these past few months and are ready for your well-deserved break! Whether you are cruising in the Caribbean, scaling the Great Wall of China or relaxing on the beach in the Canary Islands, it is important to keep your health in mind and purchase a travel insurance policy. Here are some common myths about travel insurance , and the facts about the valuable coverage it provides:

Myth #1: Travel insurance is too expensive, I can’t afford it. 

The reality is, anyone who travels internationally can’t afford to be without travel insurance. Travel insurance is calculated based on age, type of coverage, the deductible/excess you select, and whether your trip includes travel to the United States, as well as the length of your trip. For example, a 35-year-old male traveling outside the US for 2 weeks, can select a travel insurance plan for as little as $10! Bottom line, there is a travel insurance plan for every trip and budget. 

Myth #2: My health insurance plan will cover me internationally. 

This is a dangerous presumption. If you are a traveling senior from the U.S., it is important to know that Medicare will not cover you outside of the United States. It’s also important to mention that many U.S. health insurance plans do not provide coverage when you are traveling outside of the country and the plans that do, may not respond as well and often require you to pay for services upfront and seek reimbursement later. Speak with your insurance agent or the insurance company to find out if your plan has international coverage before you depart on your trip. 

European Health Insurance Cardholders (EHIC) traveling within the 28 EU countries, as well as Iceland, Lichtenstein, Norway, and Switzerland, may be eligible for free or reduced medical care; however, what would you do if you were seriously sick or injured and had to be flown home for medical treatment? The EHIC does not cover the cost of medical repatriation and if you do not have adequate insurance, you would be responsible for paying this yourself. To ensure you have the proper coverage in place, select a travel insurance plan that includes a medical repatriation component. 

Myth #3: Travel insurance is just for emergencies. 

Not true, travel insurance is multi-faceted. Travel insurance plans not only cover you for medical emergencies, but can also provide valuable concierge services, such as pre-trip destination information, lost luggage assistance, travel document replacement, identity theft assistance and trip interruption among others. 

Myth #4: Travel insurance isn’t necessary for short trips. 

Whether it’s food poisoning, a sprained ankle or something more serious such as a stroke, unfortunately, accidents and illness can happen at any time. Whether you are away for a long weekend or several weeks, travel insurance can help mitigate these risks. 

Myth #5: I have a credit card that will cover any unforeseen medical emergencies. 

Some credit card companies offer travel insurance as a perk for their card members, but it’s not uncommon for this coverage to be limited, providing coverage for accidents only, not illness. It’s important to contact your credit card company for full details about what is included in the coverage so you can make an informed decision as to whether or not you need a separate travel insurance policy.   

No matter where your vacation or business trip takes you, it is important to have appropriate insurance coverage in place to protect you and your family. Speak with the Insurance Specialists at MHG in the US at 954-828-1819, or in Europe at +44 (0) 1624 678668 for more information and to purchase your travel insurance policy. You can also visit MHG online at: https://mhginsurance.com. Have a safe and pleasurable trip!

Debunking Common Myths About Travel Insurance

Life Insurance for Children

Did you know that securing a life insurance policy for your child is not only a loving and generous gift, but can also be one of the most valuable tools in securing his or her financial future? You may have heard one of the many myths about children and life insurance , such as them not having any dependents or bringing in an income, as deeming a life insurance policy unnecessary. A life insurance policy for your child, however, can help prepare them for future financial security and help them avoid financial hardships that may arise.

One of the greatest advantages of an insurance policy for a child is that his or her insurability is at its highest and premiums are at their lowest when they are young. Here are a few other reasons to consider when thinking about life insurance for your children:

  1. The Benefit of Starting at a Young Age – Purchasing life insurance at a young age almost always guarantees that it can be purchased. In addition, if you purchase a policy, for example, a Whole Life Policy with a Guaranteed Purchase Option, you will be able to purchase additional coverage at a later date, no medical questions or tests needed. Also, over time, consider the dividends and cash value the policy will have for your child.

  2. Money Options and Retirement – With certain policies, your children will have the option as they age to withdraw money from their accrued cash value. This money may come in handy when it is time to pay for college or use as a down payment on a house. In addition, with a cash value life insurance policy, they can take the cash and convert it into an annuity. Annuities can guarantee continual income, which can help your child pay debts, financial expenses or help fund their retirement.

  3. Future Insurability – We never know what will take place later in life, and there are events or illnesses that could make your child uninsurable. This can make it impossible to secure a life insurance policy at a time when it is needed the most. Purchasing a permanent life insurance policy for your child at a young age secures the availability of coverage as they get older. Speak to one of MHG’s knowledgeable insurance brokers today about affordable life insurance premiums for your child.

As you see, there are many benefits to obtaining a life insurance policy for your child, no matter how young they are. When your child is an adult, you will be able to present them with their life insurance policy, helping them feel confident about their financial security. It is truly one of the most loving and generous gifts a parent can give their child.

To learn more about obtaining a life insurance policy for your child, contact MHG Insurance Brokers by calling 954-828-1819. You can also visit us online at mhginsurance.com . Let us help you begin the preparations today to protect the ones you love the most. We look forward to serving you!

Life Insurance and Your Children

General Liability vs. Marine General Liability

All companies need protection from certain potential risks associated with operating a business that will provide coverage in an unfortunate event in which they are held accountable.  Broad-spectrum coverage for these risks is called General Liability insurance. General Liability insurance may protect your company and your interests against any of these unfortunate occurrences:

  • Bodily injury;
  • Property damage;
  • Damage to premises;
  • Personal and Advertising injury – this protects your business against oral or written advertised slander, libel, or disparagement ;
  • Fire damage to the premises caused by the negligence of the insured.
When you carry General Liability insurance, the insurer may cover potential legal costs incurred by you, the insured, in the event of a legal claim or lawsuit. We live in a litigious society, making this type of coverage extremely necessary in the maritime industry. Marine General Liability is designed to protect against accidents or injuries that are associated with or have occurred on or around a waterfront, or in another marine setting. Marine General Liability policies provide coverage for the typical liability risks that businesses incur, which are covered in a standard General Liability policy, and may be written to offer additional, more specific protections that address the more unique needs and potential risks associated with maritime operation, such as:

  • Liability absorbed when renting or leasing a boat or watercraft. Protection includes property damage to the vessel, as well as pier damage;
  • Liability and hazards faced by marina operators, and includes property and structure damage protection;
  • Liability met by terminal operators against loss or damage of cargo;
  • Liability met by operators and owners of piers or wharves, covering damage to property of others while in their custody, including tugs, tows, cargo and equipment.
Marine General Liability coverage can be tailored to include employee benefits liability, international liability, stop-gap liability, and more.  It is essential to seek the advice and information from a trusted, knowledgeable broker, such as MHG Insurance Brokers. The team at MHG Insurance Brokers is well versed in the risks and coverage requirements of those who work in the industry. MHG Insurance Brokers works with you to determine your specific needs and budget, and will create a comprehensive liability package that will meet every one of those needs.

Your MHG Insurance Brokers representative will also work to get you the best price and assurance that your interests and good name will be fully protected. MHG Insurance takes the job of helping you reduce your risk and protect your business very seriously.  With over 20 years of experience, you can feel confident and trust the expertise of our highly trained and educated brokers.

It is our practice to assist you in translating complex terminology, clarify key features of the coverage you are considering, and help you assess and determine what your coverage requirements are. We apply our experience and take advantage of resources that we have built over the years to provide you with the best coverage from the most trusted insurers.

Going beyond that, we remain your partner in protection, offering our services to help you with questions, information, and claims assistance if and when you need it – at any time. 

Contact MHG Insurance Brokers to learn more about Marine General Liability coverage, by calling 954-828-1819, or visit MHG Insurance Brokers online at: mhginsurance.com . We look forward to being your partner in liability protection.

What is the Difference Between General Liability and Marine General Liability?

MHG Insurance Brokers, a national brokerage in the United States specializing in life and health insurance for groups and individuals as well as business insurance , is pleased to announce and welcome Tom Nickerson to our Ft. Lauderdale team in the role of Account Executive.

Tom will be tasked with managing the day to day administration of our Life & Health client accounts. In addition to life and health products for groups and individuals, health care reform guidance and employee benefits solutions , MHG also offers a full line of business insurance solutions.

Tom grew up in North Eastern US (Connecticut, New Jersey & New York), where he attended the New York University, graduating in Communications.  He began his career as an insurance agent, working his way up to Underwriting Support Manager.   He is experienced in customer support and process improvement, as well as sales and sales support. 

“We have high expectations for our Account Executives,” said Stephen Beck, Manager of the Life & Health Division. “Tom’s years of experience and technical aptitude will be a great asset to our team.” 

Tom is a supporter of the organization Ability Beyond Disability, an organization individuals with disabilities to pursue more independent lives. In his spare time, Tom pursues his passion for videography.

About MHG Insurance MHG Insurance Brokers is a full-service insurance brokerage, assisting clients with marine crew insurance, life and health insurance, MLC 2006 and healthcare reform guidance, employee benefits solutions and business insurance.  With over 20 years of industry experience and access to multiple US and international carriers, our insurance specialists can advise which insurance and financial services providers and products are best suited to address the needs of employers as well as individuals. We are committed to providing our clients with the highest level of advice and support in order to deliver solutions that offer the best scope, service and value. MHG has offices in Fort Lauderdale, the Isle of Man, and Hamburg as well as representation on the Cote d’Azur. For more information about MHG Insurance, please visit mhginsurance.com.

Tom Nickerson Joins MHG Insurance Brokers in Fort Lauderdale

Whether you are a boat dealer, marina operator or own a yacht detailing company, you have unique needs and requirements when it comes to liability protection.  These requirements help protect your business against any lawsuits stemming from business operations. This is where the decision to obtain a Marine General Liability policy vs. a General Liability policy comes into play. People tend to lean towards a General Liability policy because it has a cheaper cost; unfortunately, because of numerous exclusions involved in a General Liability policy, the insured usually isn’t covered in the areas needed. Here are some additional helpful facts and tips about these two policy types:

  • Learn the truth about General Liability – Did you know that a generic General Liability policy does not include watercraft coverage, including “the ownership, maintenance, and use of” watercraft owned or operated by you, the insured? Perhaps you would naturally assume this is covered – which brings up the fact that an experienced insurance broker could help you when it comes to the specifics of policy exclusions and/or benefits.
  • Who the exclusions affect – Exclusions can affect a wide variety of people, but for the purpose of this post let’s specifically talk about boat dealers, marina operators, etc. If you fall into any of those categories, then you are aware of the frequent operation of watercraft that takes place in your business. Operations, such as employees operating boats, or doing any type of test or demo drives for a customer are also excluded under a General Liability policy. If anything happens during these types of “operations”, you are left vulnerable and uninsured.
  • Another Interesting Exclusion – If you are considering purchasing an unendorsed General Liability policy, consider this: the “care, custody or control” of personal property of others is also excluded, meaning additional operations like boat repair, storing, hauling, fueling, launching and slip rentals are also uncovered.
  • Part Installers Beware – Perhaps you are a boat dealer who also installs aftermarket equipment or parts on boats. Unendorsed General Liability policies contain a “your work and product” exclusion, meaning any claim related to the installation of your aftermarket part is also not included.

The bottom line is most General Liability policies exclude any work done on the water or vessels, while specifically obtaining a Marine Liability policy will cover you for any damages or liability to a third person engaged in marine operations. Remember, cruise lines and marinas require proof of appropriate insurance coverage before any job can begin, so make sure you have the right policy in hand. To learn more about the advantages of Marine General Liability coverage, contact an MHG broker today by visiting MHG Insurance or calling 954-828-1819.

Differences between similiar lines of business

Vacation Medical Insurance

Vacation Medical Insurance

For those living, working, or vacationing abroad, accessing high quality, reliable health insurance is vital. No one wants to find him or herself in a foreign country facing an urgent health crisis without proper medical coverage.

It is essential to have a sound medical plan in place to protect you and offer you peace of mind, knowing that in the event of an emergency, you will have access to superior health care and your medical expenses will be taken care of. MHG Insurance is a full-service brokerage offering a comprehensive range of international health care plans from well-known insurance carriers.

One such plan offering marine officers and crew affordable medical coverage while at home or on vacation is the Shoreside Health Insurance Plan (SHIP). This vacation plan may be customized to meet your requirements as well as to fit within your budget. The Shoreside Health Insurance Plan offers benefits such as:

  • Coverage at any hospital with any doctor – worldwide.
  • Treatment costs covered for up to six months from onset of condition.
  • Accidental death benefit of $25,000.
  • Options to add coverage for extreme sports.
  • Options to exclude coverage in the United States or Canada to boost premium affordability.
  • Easy enrollment, next day coverage available.

MHG Insurance has over twenty years experience in providing insurance to the marine industry. We have established relationships with the very best insurance industry professionals, enabling them to provide you with the widest range of superior health care plans. MHG’s team of experts are dedicated to helping seafarers access premium health care that is affordable and best suited for their needs. Our service to you doesn’t end after we’ve worked with you in determining which health insurance plan best meets your coverage requirements.

Our relationship will continue to grow, as it is our goal to provide you with the highest level of support. Whether it means being available to answer any questions regarding your medical plan or to assist you with your claim, our team of representatives is here for you.  MHG Insurance Brokerage remains at your side, even when you are far away. 

MHG is always available and ready to assist you in obtaining reliable, sound healthcare abroad. Let us work with you and identify your health care coverage requirements. Contact us today by visiting mhginsurance.com , or call +1 954 828 – 1819 and speak with one of our knowledgeable insurance representatives. Obtain that peace of mind you seek in knowing you are fully protected during your travels.

Vacation Medical Insurance

ACA Case Studies

ACA Case Studies

 

Did you know the deadline to sign up for January 1st, 2014 coverage in an Affordable Care Act (ACA) plan is December 23rd 2013? If not, you may also be unaware that MHG, a full-service insurance brokerage, is one of the select few brokerages in South Florida that is certified and ready to help clients understand and enroll on the Exchange. We can help you find the ideal plan, one that not only offers you the coverage you need, but is also in your budget. In fact, we have helped many clients find the ACA plan that is right for them, in addition to hearing incredible success stories.

Here are just a few we want to share with you:

Real-life Example 1 – This is one of our favorite examples! Our client was paying over $1,600 per month (out-of-pocket) for insurance for herself and her son. Her renewal rate was about to skyrocket to over $2,000 per month. She was faced with limited options, as she has several pre-existing conditions and would be turned down by other insurance carriers if she applied. After reviewing and selecting the right ACA plan, she is now receiving a better plan at a more affordable price – less than $800 per month for her and her son! Her coinsurance remained the same, but her office copays and annual out-of-pocket maximum is less, thanks to this ACA plan.  

Real-life Example 2 – A recent client allowed his insurance plan to lapse over a year ago. Unfortunately, he suffered a stroke shortly after and had no success when trying to apply for other insurance policies because of this pre-existing condition. A stroke falls under automatic decline for insurance until 2014. Starting this past October, we have been able to provide him with quotes for plans that have a January 1st, 2014 effective date. Now, with his new insurance plan, he will not have an exclusion because of the stroke and will not have to wait for treatment related to the stroke.  

Real-life Example 3 - Several employees on our group plans have been able to add their adult children onto their plans since 2010, when specific aspects of the Affordable Care Act went into effect. It no longer mattered if these children were unmarried or students. For many employees who had other children on the plan already, it did not increase their monthly premium.

Real-Life Example 4 – A recent client of ours was inquiring about purchasing health insurance after finding out she was pregnant. The best solution we could offer her was waiting for a January 2014 effective date with an ACA plan. She did not meet the requirements for Medicaid due to her income and assets. Now, thanks to the Affordable Care Act, she is eligible for coverage, with maternity, starting in January 2014.  

As you can see, many of our clients are benefiting in incredible ways thanks to plans made available through the Affordable Care Act. If you have questions about an ACA plan, or want to review your existing coverage, do not hesitate to call one of our knowledgeable insurance representatives. We can offer you information and guidance regarding the Affordable Care Act and can help you enroll in a plan. Remember, the deadline for January 1, 2014 coverage is December 23rd, so do not delay. Let MHG, one of South Florida’s few certified ACA brokerages, help you find a plan tailored to your health needs and financial situation. Visit mhginsurance.com for more information on ACA plans or call us today at 954-828-1819.

ACA Case Studies

ACA Health Coverage

There are many questions today regarding the state of things as it pertains to health care coverage in the United States, and the Affordable Care Act has been a major focus when it comes to health insurance. MHG Insurance is an approved ACA insurance brokerage, and we would like to educate our clients about the Affordable Care Act and the health plans that have been created under it. The goal of MHG Insurance is to put our clients in an informed position so they are able to define their family’s coverage needs, as well as choose an appropriate health plan that would deliver the greatest benefit to them.

Common myths and questions exist about the ACA Health Insurance plans . An example of one myth that MHG Insurance Specialists have come across relates to out-of-pocket obligations:

  • “The Bronze plans have a sizeable out of pocket obligation that must be met by its subscribers.”

The fact is that the maximum out of pocket is $6,250 for individuals, and $12,500 for families. The 2014 cost sharing limits for individuals ($6,350), and for families ($12,700), will change each year. Small group plans and grandfathered plans have different cost sharing limits. All metallic plans - Bronze, Silver, Gold or Platinum - follow the same limits, but each differ in the percentages that the insured pays until those limits are met.

A common question regarding ACA Health Insurance plans:

  • Who qualifies for catastrophic coverage?

Individuals who are under 30 years of age and can prove financial hardship may qualify for this coverage. However, many other notable, affordable coverage options are available presently.

MHG Insurance has many years of experience, the best industry resources, and access to a multitude of insurance carriers. MHG is proud to offer clients the best, most comprehensive plans on the market. When you work with one of MHG Insurance specialists, he or she can provide you with detailed information about the following:

  • ACA Exchange coverage plans and the plan types available
  • Dental and Vision coverage
  • Life Insurance
  • Long Term Care coverage
  • Supplemental medical coverage
  • Medicare plans
  • AFLAC plans

MHG Insurance will be happy to discuss your insurance coverage needs, and then determine which plans would be the best fit for you and your budget. The insurance specialist that you work with will assist you with deciphering all of the confusing terminology, and he or she will also examine the features of each plan with you to help you understand the benefits. Once you have chosen a plan, MHG Insurance will continue to remain available for you any time you have a question about your policy or need assistance with a claim.

Thanks to the Affordable Care Act, millions of Americans who were previously uninsurable due to preexisting conditions, or not meeting the qualifications for Medicaid or Medicare, will now have access to solid, comprehensive health insurance plans. They will be able to take better control of their health, and live longer, healthier lives. Let MHG Insurance take the journey to better health with you; call to speak with a knowledgeable insurance specialist, and learn the facts about health care coverage and how the ACA can benefit you. Call 954-828-1819, or visit MHG Insurance online at https://mhginsurance.com . Here’s to your better health!

Affordable Care Act Health Coverage: Dispelling the Myths and Providing Facts and Information that May Benefit You