newlywed“If there are any objections, speak now or forever hold your peace.” “Wait they don’t have life insurance!” Hopefully you don’t find yourself in this situation, and you already have a good life insurance policy in place. However, if you don’t have life insurance, it’s something you need to start thinking about it.  After the honeymoon of course! Who knows, maybe you will say I do again... to life insurance. See what I did there?  

 

Protect Your Spouse

Unfortunately, death is a part of life that we all have to experience and plan for. Not all marriages are like “The Notebook” where you and your partner live into your golden years and pass away together in each other’s arms. Life insurance is designed with your loved ones in mind and plays an important role in your overall financial planning. If you have anyone depending upon you financially, you probably need Life Insurance even if you are young and healthy. For most, this financial responsibility begins when they either get married or have a baby. Have you thought how your family, or those you care about, would manage without you financially? The grieving process is hard enough, don’t let your better half also have to worry about how they will pay the bills or be able to afford the mortgage. In the event of your untimely death, you want to be reassured that your husband or wife will be financially secure in the event of your passing.

Invest in Your Future Together 

Did you know that life insurance has other benefits besides providing a benefit to your beneficiaries? Certain policies such as a Whole Life policy can act as a way to save and invest money. In most cases, a Whole Life policy has a “cash value” that is invested and can earn as high as 5% interest. The cash value is calculated based on how much money you have paid so far in premiums, and after a certain amount of time, your cash value could be worth more than you have paid! Also, with a Whole Life policy, after a certain amount of time, you can cancel the policy and get back all of the money you have paid so far, and then some! 

Lower Premium 

Getting married, buying a house and having baby are life events that prompt us to buy life insurance but it’s really something you should be considering even if you have no assets or dependents. Did you know that in most life insurance policies, you have the same monthly premium for the duration of the policy? That means if you’re paying $50 a month, you will be paying the same amount for the life of the policy. Unless you increase your coverage, you are locked in to a set premium. This is important because as you get older, policies become more expensive. Typically, you can expect your premium to double every 10 years. Good enough reason to stop putting off purchasing a life insurance plan, right? 

For more information regarding what life insurance options are available to you, read our previous blog, What Are My Life Insurance Options? If you are interested in purchasing life insurance, or have any questions, we’re here to help! Please contact us today at 954 828 1819 or visit mhginsurance.com. Congratulations and cheers to many years of wedded bliss!

What Newlyweds Need to Know About Life Insurance

college graduateGet your caps and gowns ready because graduation season is in full swing across the country! Soon, hundreds of thousands of young adults will be looking to start their first job which will hopefully lead to a long and successful career. However, if you haven’t heard, the job market is tough out there, and in many cases, there are more candidates than available jobs. This makes for an increasingly competitive job market, with potential prospects doing whatever they can to get a competitive edge, or get one up on the competition. As an employer it can be quite overwhelming if you’re looking to fill new positions with fresh talent. In many cases, you may be bombarded with potential candidates, some of which may not even have the skills or requirements that you are looking for. However, if you’re lucky, you may find multiple, qualified candidates. If you find yourself in this situation, it can be hard selecting just one. Keep these tips in mind in order to not only find a candidate who is qualified, but also one who will be a perfect fit within your company.


Make Your Expectations Very Clear 

It is very likely that the candidate you are interviewing is not familiar with some of the industry jargon that you use around the office. It is important to be very clear with your expectations, job descriptions, and qualification requirements. Try to avoid using general statements and broad descriptions. For example, instead of saying this job requires good communication skills, be specific on how and what they need to be good at communicating such as, the ability to communicate orally and verbally to a large group. 

Do They Know What They Want to Do?

Many young adults aren’t quite sure what they want to do with their life, even after graduation. While this is perfectly normal, try to hire a candidate who knows exactly what they want to do. Someone who may still be figuring out what they want to do with their life, may discover that they do not like what they are doing, which can lead to having to hire and retrain someone which can be a waste of time and money. 

Passion Can’t Be Taught 

While experience is very important, there is no class that teaches passion! A passionate worker often leads to a dedicated worker. It’s always good to have someone who takes pride in their work, and someone who truly wants to be successful around the office. Hopefully they’ll rub off on others too! 

Help Them Succeed! 

Keep in mind that if you are hiring someone fresh out of university, there is a very good chance that this will be their first “grown up job.” Expect some mistakes to be made along the way. This is your chance to teach good habits and mold them into a strong, successful worker you want them to be. After all, the more successful they become, the better you look, and the more successful your company will be. 

Try an Internship 

Sometimes, no matter how extensive the hiring process is, you can find that later down the road that the person you thought was a perfect fit, is actually the complete opposite. To help avoid this situation, use a “trial run” to make sure the prospect isn’t “too good to be true.” Internships can often help in this area. Not only is it non-committal, but also leaves you in control. If during the internship they prove themselves to be a perfect fit to your culture, you have the opportunity to offer them a permanent position! 

Finding new employees to join your team can be an arduous task, but a good workforce is critical to a company’s success, and it all starts with the people you hire. Once they’re hired, keep them happy and dedicated by offering great benefits! Whether you are buying group health insurance for the first time or looking for an alternative to your current plan, the Insurance Specialists at MHG are happy to help! For help understanding some of the tricky health insurance lingo, read our previous blog, “Health Insurance Terms 101.” Call us at 954-828-1819 or visit us online to learn more about medical insurance, dental and vision packages, long and short-term disability, life insurance and gap insurance. Let our insurance specialists find you and your group the best insurance available for your requirements and budget.  

Hiring the Best College Graduates

adviceAs insurance brokers we are here to help! Part of that assistance is our expert advice that we provide. So we thought it would be a great idea to ask our employees, “What is one piece of advice you would give your clients?” 

 

Mark Bononi- Director, Luxury Yacht Division 

Generally speaking, you get what you pay for. Typically, health insurance that has a lower cost will not have the same amount of coverage as one that costs more. If you are looking for health insurance that fits you best but you have a budget, seek advice from someone who knows what they’re talking about, and is experienced on the matter. 

Edward “Mole” Telfer- Director, Cruise Division 

Providing a solid employee benefits package can be the key to attracting and retaining the industry’s best employees. Use a “Rolling Benefits Strategy” to build up your benefits over time. 

Janine Jeffries- Director, Business Insurance Division

Give your agent a complete picture of the business and description of operations. Each business has unique attributes. The more your broker knows, or has a better understanding, the better we can do our job. Also, be sure to ask questions. You would be surprised how many needs are uncovered during a Q&A session with your broker. 

Stephen Beck- Manager, Life & Health Division

I would advise our clients to not WORRY about “What if?” but to ASK about the cost of insuring themselves against each “What if?” that concerns them. Just ask, “How can I protect myself in the event of a ________________?” We have the answer. 

Joanna Drysdale- Manager, Underwriting Services 

In our field, insurance isn’t just about protecting yourself against financial loss or covering your contractual obligations. It’s also about showing your employees that they’re valuable to you. Hanging on to a great bunch of crew season after season is worth so much more than the savings you make by skimping on crew benefits.

JW Haagensen- Account Executive, Inside Sales 

Disclose all current and past medical conditions when applying for insurance. Insurance enrollment forms are a contract and if you fail to reveal a portion of your medical history or provide incomplete information, the insurance company could cancel your policy. No matter how minor it may seem, it’s important to advise your entire medical history and keep a file.

Steve Jackson- Consultant, Yacht Division

Find an insurance broker who really knows their field. Having an understanding of the real life of a captain and his crew as well as the technical knowledge of the insurance industry is invaluable. 

Clayton Swart- Manager, Business Development 

Whether you’re purchasing group insurance for your employees, insurance for your business or an individual plan for you and your family, it’s important to understand your policy. I know that insurance documents can be boring, but it’s really important that you read through them to make sure you understand the benefits and limitations of the plan. If you find anything confusing, it’s better to address those points before you need to use the plan.

MHG is here to help and provide assistance with all of your insurance needs. Whether you are looking for marine crew insurance, health insurance, life insurance, travel insurance, expatriate insurance or insurance for your business, we have the experience and knowledge to help you find the right policy. Please contact us at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. Let our insurance specialists find you, your family, or group, the best insurance available for your budget.

If You Could Give One Piece of Advice to Your Clients, What Would It Be?

Time to get healthyThere’s never a bad time to make the decision and commitment to live a healthier lifestyle. We all know that the most popular time to start working out and eating better is at the start of the New Year. Probably because people feel that they need to make drastic changes because this is a new year, or want to lose that holiday weight. Gyms are crowded, carbs are being cut, and many are cooking at home rather than eating out. However, there are countless reasons getting healthy should be the number one priority on your list, and it has a lot more to do with than just losing weight and starting to work on your summer body. Here are just a few that may inspire you to start living healthy today! 

 

More Productive 

Many people don’t exercise or stay active because they have an excuse. Many times that excuse is, “I don’t have enough time.” Which is ironic, because people who do make time to work out every day, whether it be getting up earlier or staying up later, actually get more done in a day than people who don’t. Usually in less time too. Especially those that choose to work out or go for a run in the morning before going to work. It’s a bit ironic considering that exercising can make you tired, but if done correctly, it can get the blood pumping and the mind working and get you ready to perform at your best.

More Energy at Work 

One of the reasons people who live healthier are more productive is because they have much more energy. Most of us arrive at work still trying to wake up, needing to get into our zone in order to get some work done. Yet those that live healthy lifestyles tend to not go through that. They arrive at work ready to go, and when 2:00 pm comes around, they are still kicking. There are certain foods that you can eat and avoid as well to make sure you have the energy you need. Eating fruits and vegetables is a natural way to feel energized. If you’ve noticed, anytime you load up on bread and other carbs, or eat a very big meal, you may tend to feel a little drowsy.

Nip it in the Bud 

Living a healthy lifestyle goes beyond eating right and exercising, you also need to go to the doctor and have your yearly check-ups. By doing so, you may catch an issue and be able to do something about it before it is too late. Also, your doctor may be able to suggest something for you to change in your lifestyle that can aide you, such as vitamins, supplements, exercises, and nutritional advice. For instance, if you have changed your diet, you may be losing weight and feeling better, but also may be depriving your body of certain vitamins or minerals. A doctor will be able to tell you to keep up the good work, or recommend something to help! 

You will be Glad You Did 

The most important reason for you to start living a healthy right now is simple, why not? It is never a bad time to take control of your life and make the changes necessary to ensure that it’s as long and fulfilling as possible. Also, if you start now, in no time will you begin to feel better, and pretty soon, you won’t even remember how you felt before you started. If you have excuses or are waiting until next Monday every week, just remember this, the sooner you start, the sooner you reach your goal! 

Your health and wellness is a priority. MHG Insurance Brokers is committed to serving all of our clients and making sure you have the coverage necessary for you to live a healthy life. We have the experience to assist and advise you on what insurance would be the best for you. If you are interested in Health Insurance, or would like more information, contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit mhginsurance.com.  

Why “Now” is the Best Time to Get Healthy

Smile, it’s the Holidays!

Smile Everyone wants to look their best in their holiday photos, but one thing that many people overlook is their teeth. Proper dental care has been shown to not only improve your smile, but it also has been linked to better overall health. If your insurance plan includes dental coverage, why not take advantage of it and take care of those pearly whites? Normally, dental insurance will include a cleaning 2 times per year, as well as basic x-rays and exams at no cost to you.  If the dentist finds cavities or other issues that need to be fixed, typically insurance will pay 50% or even 80% of the cost depending on what treatment you need. There is a limit on benefits every year, so it is important to read your plan carefully. In the meantime, here are 5 key benefits to taking care of your teeth, which hopefully will motivate you to get that perfect smile for 2015! 

 

1. Boosts Your Self-esteem and Confidence 

Decayed teeth and gum disease are often associated not only with an unsightly mouth, but very bad breath. Bad breathe can affect your confidence, self-image, and self-esteem. With a healthy mouth, that's free of gum disease and cavities, your quality of life is also bound to be better. 

2. May Lower Risk of Heart Disease 

Chronic inflammation from gum disease has been associated with the development of cardiovascular problems such as heart disease, blockages of blood vessels, and strokes. Experts stop short of saying there is a cause-and-effect between gum disease and these other serious health problems, but the link has shown up in numerous studies. 

3. Preserves Your Memory

Adults with gingivitis (swollen, bleeding gums) performed worse on tests of memory and other cognitive skills than those with healthier gums and mouths, according to a report in the Journal of Neurology, Neurosurgery & Psychiatry. Using an antibacterial mouthwash or toothpaste can help reduce bacteria in the mouth that can cause gingivitis. 

4. Reduces Risks of Infection and Inflammation in Your Body

Poor oral health has been linked with the development of infection in other parts of the body. Research has found an association between gum disease and rheumatoid arthritis, an autoimmune disease that causes inflammation of the joints. Experts say the mechanism of the destruction of connective tissues in both gum disease and RA is similar. Eating a balanced diet, seeing your dentist regularly, and good oral hygiene helps reduce your risks of tooth decay and gum disease. 

5. Helps Keep Blood Sugar Stable, especially if you have diabetes 

People with uncontrolled diabetes often have gum disease. Having diabetes can make you less able to fight off infection, including gum infections that can lead to serious gum disease. And some experts have found that if you have diabetes, you are more likely to develop severe gum problems than someone without diabetes, which may make it more difficult to control blood sugar levels. Reducing your risk of gingivitis by protecting your oral health may help with blood sugar control. 

 If you are interested in adding Dental Insurance to your insurance plan, contact MHG Insurance Brokers today at +1 954 828 1819 or +44 (0) 1624 678668 or visit mhginsurance.com for more information. Our insurance specialists have the experience to advise and assist you in selecting the best plan for you, and your family.

Smile, it’s the Holidays!

ACA Open Enrollment Deadlines

It is the goal of MHG Insurance Brokers to regularly inform and keep clients up to speed regarding the latest news and information associated with the ACA (Affordable Care Act). The ACA is now in effect for 2014, and its core goals are to provide Americans with improved quality health care, health plans that are more affordable, and access to comprehensive health coverage to those who would have previously been denied coverage before the act was put into place. 

The ACA provides consumers with a choice – something that didn’t exist in the world of healthcare in the United States until now. Whether you were deemed ‘uninsurable’ do to preexisting health conditions, or were simply stuck paying inflated premiums with no other alternatives available to your family, all of that has changed now - you, the consumer, are in the driver’s seat. MHG Insurance Brokers wants to help you take control of your health. There has been quite a bit of chatter in the media about enrollment deadlines and penalties for not having health insurance. MHG Insurance Brokers would like to share the following current and accurate information regarding the open enrollment period with you:

  • Open enrollment for ACA health coverage runs through March 31, 2014.
  • The deadline to enroll is the 15th of each month, in order for coverage to become effective on the 1st day of the following month. For example, if you enroll for coverage by January 15th, your coverage will begin on February 1st. If you enroll by February 15th, your coverage will start March 1st.
  • Those who enroll by March 31st, but not by March 15th , will have an effective coverage date of May 1st.
  • During this open enrollment period, you may also make changes to your existing plan if you don’t find it to be adequate or are not satisfied with it.
  • Penalties for exceeding 3 consecutive months without health coverage have been waived by the Administration, but only during this open enrollment period.
  • After the open enrollment period has ended, changes cannot be made to existing plans until the next open enrollment period begins, unless there is a life changing event, such as a marriage, divorce, loss of employment, birth or adoption of a child.
MHG has extensive knowledge and expertise in health reform. We also have the experience and network of resources to provide you with the very best, solid, comprehensive health coverage available that suits your healthcare needs and works with your budget. It is crucial to have a trusted insurance broker like MHG to work with to help you navigate through all of the new regulations, perplexing terminology, and health plan options.  Let us provide you with the tools and knowledge you need in order to make an educated choice regarding your health care. 

MHG Insurance Brokers will also walk you through the enrollment process, which is vital especially if you are purchasing coverage for the first time, whether you are a young adult, or someone who has lost access to health benefits through your employer. If you already have health insurance, contact us and speak with a specialist who will assist you in comparing your existing plan to the new ACA plans that are available. This can help you determine which plan would be most advantageous to you and your family. They will examine the cost comparisons and identify the differences in coverages offered between each of the plans. Contact MHG Insurance Brokers today online at mhginsurance.com or call 954-760-9033 and take control of your family’s health today!

What You Should know about Affordable Care Act Open Enrollment Deadlines

Plans On and Off Exchange

If you are currently in the market to purchase health insurance coverage, MHG Insurance Brokers would like to share some information regarding the healthcare plans that are available both ‘on’ and ‘off’ the exchange which could benefit you. The health insurance exchange is an online marketplace for Americans seeking health coverage that allows them to comparison-shop the different plans that are being offered by competing health care providers. For Americans who previously could not afford health insurance, and yet were not eligible for programs like Medicaid or Medicare, may qualify for federal assistance by way of a tax credit, which will reduce the cost of their monthly premium. This subsidy is only available when selecting a health plan on the exchange. 

Plans offered both on and off the exchange provide the same mandatory essential benefits, however, many plans offered off the exchange provide more comprehensive coverage and have larger provider networks than many of the new 2014 plans offered on the exchange. Plans offered off the exchange are still government approved. MHG Insurance Brokers can assist you with determining whether you qualify for a federal subsidy based on your income, as well as evaluating the benefits and provider networks included in each of the plans that you are interested in, whether they are on or off the exchange. Here are just some of the mandatory essential benefits that are offered through the plans available both on and off the marketplace:

  • Outpatient doctor visits, including preventative and wellness services
  • Pediatric services including dental and vision
  • Emergency room services
  • Hospitalization
  • Maternity and newborn care
  • Mental health services
  • Substance Use Disorder coverage
  • Prescription Drug coverage
  • Rehabilitative services
  • Lab tests and services
The Affordable Care Act has made way for many improvements to healthcare for Americans. New plans and many older plans will now provide subscribers with these key enhancements, in addition to others that aren’t mentioned on this list:

  • Advances in women’s health services
  • Improved care for seniors
  • New preventative services that require no out of pocket costs.
  • No annual or lifetime limits on healthcare.
MHG Insurance Brokers is here to guide you each step of the way during these changing times.  MHG Insurance Brokers will assist you with comparing plan choices that are available both on and off the exchange, and help you obtain the health care coverage that is best suited to your family’s health needs and budget. We will utilize our knowledge and expertise to determine whether it is more advantageous to you to shop for a plan on or off the exchange, and clarify the details regarding the benefits, rights and protections included in the new plans. Call one of our insurance specialists today for expert guidance on all matters concerning health care to ensure you are getting the best coverage. MHG Insurance Brokers is always available to answer questions, or assist with processing claims. We continue to be of service for those who are in the market for Supplemental and Long Term Care coverage, Life insurance, and more. Visit MHG Insurance Brokers online at mhginsurance.com, or call and speak to one of MHG’s representatives at 954-828-1819.

Availability of Plans On and Off Exchange

ACA Health Insurance Plans

The open enrollment period is in effect through March 31st, 2014. MHG Insurance Brokers would like to make you aware of specific deadlines that are approaching, as well as provide you with information on a topic that has been getting a lot of attention lately – shrinking plan provider networks on the ACA health insurance marketplace.

Here are some notable dates to bear in mind:

  

  • For government approved health plans effective March 1st – enrollment deadline February 15th, 2014
  • For government approved health plans effective April 1st  – enrollment deadline March 15th, 2014
  • Final Enrollment date to obtain a healthcare plan or off the exchange – March 31st, 2014 for effective date of May 1st, 2014
If you are looking to buy health insurance, use this time to evaluate and compare the many plans available that you will be presented with. There has been attention given recently to the sizes of the provider networks that are a part of the plans offered through the health insurance marketplace. It appears that these plans’ provider networks are smaller in order for the plans to provide affordability and be able to compete with other plans offered on the exchange. The ACA doesn’t set prices for these plans or for medical services provided to the consumer, the insurance companies do. Smaller networks with fewer provider choices means smaller premiums for the consumer. In order to be more affordable, these plans exclude the most expensive providers. 

While insurance companies decide which doctors and hospitals will be a part of a network, there are also doctors who will only accept higher fees before they choose to participate in some networks. This is typical behavior within a competitive market. It is important when weighing the benefits of plans you are considering to check what provider networks your current doctors are participating in. You may wish to only consider those plans if keeping your doctors is important to you. When you find networks that your doctors participate in, call your doctors to confirm the information before selecting a plan. This extra effort will pay off, as selecting a plan that your doctor may no longer accept could be a critical mistake, as you won’t be able to change your plan again until the next open enrollment period, or a qualifying life event takes place, such as a marriage, birth or adoption of a child, or divorce. 

One comforting fact to be aware of: no matter which plan you select, the law prohibits insurance companies from requiring higher copayments or coinsurance if you get emergency care from an out-of-network hospital. If you are traveling and an unfortunate accident lands you in a hospital emergency room that is not on your provider network, you do not need to get preapproval before receiving emergency services. This applies to all plans that were created or obtained before March 23, 2010. 

 As always, MHG Insurance Brokers is here to assist you with all of your insurance needs. Our in depth and current knowledge can help you navigate through all of the information and choices you will come across when shopping for a health care plan. Call MHG Insurance Brokers today at 954-828-1819 to learn more about the new healthcare plans available, or visit MHG Insurance Brokers online at mhginsurance.com. We look forward to protecting your health!

Affordable Care Act: Health Insurance Marketplace Plans and Their Provider Networks – How Do They Affect You?

Health & Fitness Tips

Making time for fitness is one of the most important aspects of a healthy and productive lifestyle, yet it’s one of the first things to get pushed aside when life gets hectic. You know how crucial health and fitness are to your overall happiness, performance and body image, but when deadlines, children, meetings and social obligations are calling, how do you find the time? With these 10 health and fitness tips, you’ll be living a healthier, happier, more fit life before you know it, no matter how pressed for time you are. 

 

Break it up

You don’t have to workout for an hour straight to reap the benefits of working out for an hour. Break it up, fitting in short bursts when you have time. Do a 20 minute strength set in the morning, walk a mile on your lunch break, and throw in another set in the evening. Breaking your workout into smaller parts makes it seem less daunting – plus, short bursts seem more manageable, so you’re less likely to skip exercising. 

Fast, healthy food fixes 

A busy lifestyle often lends itself to convenience foods, which usually aren’t healthy. Invest time now in learning fast recipes you can easily throw together no matter how exhausted you are at the end of the day. Gourmet salads, veggie burritos and turkey steak are healthy options that can be whipped up in 10 minutes flat.

Healthy hotels matter 

Traveling for work can be great for your career, not so great for your waistline. People who travel for work more than 20 times per month are 2.61 times more likely to feel like they have poor health and 1.92 times more likely to be obese compared to those who only travel six times per month, according to a Journal of Occupational Environmental Medicine study. Make traveling work to your advantage. Stay in hotels with gyms and healthy menu options, and try to get in quick workouts. Bonus: Exercise sharpens your mind, so your work performance could improve by staying at healthy hotels too. 

Be active all day

Sometimes, getting to the gym is impossible. For these seasons, making exercise a part of your lifestyle will keep you healthy no matter what your schedule. You can do lunges while you’re on the phone, squats while brushing your teeth, turn date night into rock climbing, hiking or ice skating, take the stairs, run instead of walk when you take your dog out, chase your kids around the park, or head to yoga with a friend instead of grabbing a drink. Every bit of exercise counts - be creative! 

The smart commute

If possible, turn your commute into a workout. Walk, bike, or run if you have a place at your office to store extra clothes. You might be surprised how fast you arrive, and if you live somewhere with bad traffic it might even be a shorter commute. Don’t live close enough for these options? Get off the metro or bus a few stops early and savor the morning air, or park far away so you can still get a few blocks of walking in.

Become a morning person

It might sound excruciating, but people who workout early usually workout more, and you’ll get used to the early wake up call. If you set your alarm early, it means you can finish your workout before the rest of your day begins. For extra motivation, sleep in your gym clothes so all you have to do is wake up and go. 

Maximize your lunch break 

Lunch hour is great for catching up with colleagues, but make a point a few times a week to squeeze in some exercise. Sixty minutes is enough time to go for a walk, or even hit the gym. Best of all, it’s been proven that people are more productive after exercising or taking a break from their computer, than they are if they eat at their desks or work all day straight.

Make it a family affair 

Busy parents know it’s not always easy to make time for yourself when kids are young. However, children are active beings, so join in their day-to-day activities and you’ll be getting all the exercise you need.  Play tag, blast music and dance, jump rope, or take a family bike ride. This way you get fun, family and fitness in one. 

Make it count 

When you do get to the gym, make it count so you have some leeway on the days you don’t get there. Do supersets, maximizing your time and muscle. Instead of resting between sets, rest the muscle group you’ve just trained while working another, before reversing again. So, work out your lower back, then rest it while you do your abs, then rest your abs while you do the next set of lower back, and so on.

Fitness fun for everyone 

Combining your work/social life with your fitness life can bring the ultimate payoff. Next time a friend suggests coffee, try a spinning class instead. Hold one-on-one meetings over a walk in the park, or turn company outings into bowling instead of drinks/dinner. Not only do you get exercise in, but making plans with other people also ensures you don’t skip out. If you tell your friend you’ll meet her at yoga, you’re accountable and more likely to actually go. As always, before starting any fitness routine, consult a doctor. When debating between healthy recipe options or possible new supplements, a nutritionist can be beneficial as well. It’s also a good idea to look over your health plan to see what types of health specialists are covered. 

If you need assistance in obtaining a new health plan or have questions about your existing policy, visit mhginsurance.com, or call MHG at 954-828-1819 and speak with one of our knowledgeable insurance representatives. MHG Insurance Brokers cares about its clients, and encourages everyone to eat healthy and exercise, no matter how busy their lives are.

Top 10 Health & Fitness Tips for Busy People!

Buying Health Insurance

With the Affordable Care Act in full effect for 2014, Americans now have more options when it comes to choosing a health insurance plan than ever before. This makes it critical to comparison shop for the plan that will best accommodate your family’s health care needs. While more choices are always welcome, the process of shopping around can be overwhelming and somewhat confusing, as there is a lot of information to take in and dissect. The following factors are important to consider when in the market for a new comprehensive health insurance plan: 

  • Under ACA, individuals and families are now able to get group like coverage. Group plans were generally more comprehensive, but now individual plans can be just as good. Before the ACA went into place, group plans offered health care that was less expensive, and was extended to employees with pre-existing health conditions. Now, having a medical condition is no longer an obstacle when purchasing health insurance. While these plans may be less expensive than other plans, it pays to compare the benefits of a group plan to plans you can purchase independently.
  • When comparison-shopping, be sure to check the network of providers in each plan. If maintaining the same physician is important to you, be sure to inquire with your physician’s practice to see what insurance plans they accept. Also, check to see if the prescription medications you are currently taking are included on each plan’s approved prescription drug list.
  • When considering the costs of each plan, remember that the lowest premium does not equal the cheapest plan. Other costs to the subscriber include the annual deductible, which is the amount you will have to pay out of pocket before your benefits kick in. There are also copayments, which are minimal out of pocket expenses that are due at the time of a doctor’s visit, and lastly, there are coinsurance amounts. Coinsurance is the amount that is usually expressed as a percentage and refers to the remaining balance owed for treatment after the deductible is paid. If the insurance company pays 80% of the balance due, then you will be responsible for the other remaining 20%.
  • Identify the benefits you must have. Although we cannot predict injuries or illness, we can look into our family’s history for some indicators. If your family has a history of heart disease or Diabetes, you may want to make sure that testing for these medical conditions, and receiving medications to treat them, are covered in the plan you select. If you want to start planning a family, you will want to make sure that the plan you choose has decent maternity coverage.
  • Don’t buy more insurance than you need. If you are young and healthy, it may benefit you to choose a plan with a higher deductible and lower premium, as it could potentially save you money each month.
MHG Insurance Brokers wants our clients to be fully informed before selecting a health care plan. Let MHG Insurance Brokers assist you with the application process, determining your health care needs, clarify any confusing terminology, and introduce you to the most comprehensive plans on the market today that will work with your budget. Visit MHG Insurance Brokers online at mhginsurance.com, or call and speak with an MHG insurance specialist today at 954-828-1819. Here’s to your good health!

Things You Must Know Before Buying Health Insurance