The experts say if you do something every day for 30 days it will become a habit. Summertime is the perfect time to develop healthy habits that can create positive lifestyle changes.  

 

For a healthy lifestyle one needs to eat healthy, be active, protect yourself and your family, manage stress and get regular checkups by your doctor. Eating healthy is an easy habit to develop in the summer with the variety of fresh fruits and vegetables that are available.  Stop by a farmer’s market and try some  of the amazing fruit that is in season right now. Make sure you eat a variety of fruits and vegetables each day and include some whole grains.

Limit foods and drinks high in calories, sugar, salt, fat, and alcohol. A balanced diet combined with physical activity will help keep you at a healthy weight. Children and teens need to be active for at least one hour a day and outdoor activities are plentiful this time of year.  Include activities that raise their breathing and heart rates and that strengthen their muscles and bones. Adults should be active for at least 2½ hours a week. You should also include activities that raise your breathing and heart rates and that strengthen your muscles. With the long summer days there are plenty hours of sunlight to get moving in.  

Physical activity helps to maintain your weight, reduces high blood pressure, heart attack, stroke, and several forms of cancer. Arthritis pain, depression and anxiety symptoms are also reduced by physical activity. When out enjoying the summer days remember to wear sunscreen and insect repellent.  Protect yourself and your family from injuries with seat belts, helmets, and protective sports equipment. Eating right and daily exercise will help manage stress.  

Remember to balance work, home, and play.  Everyone needs a support group of family and friends. Relaxation and meditation are great stress relievers, take time for yourself.  And strive for 7-9 hours of sleep each night, children including teenagers need even more sleep.  If you are still feeling over whelmed or depressed counseling may be needed. 

Remember to schedule regular checkups for you and your family with your doctors.  Discuss your health problems and risks and devise a plan for improvement.  Find out what exams, tests, and shots you need and when to get them. 

A little prevention goes a long way to help ensure a long and healthy life. Check with your broker to see if your health benefits plan covers for those regular checkups, tests, and shots. It is important that you know your coverage before you need it. MHG your Marine Insurance Broker offers a variety of comprehensive medical insurance plans to meet the needs of each unique client. 

Whether you are looking for specialty marine crew insurance, individual health insurance plans, family health insurance plans, or group health insurance plans, the experts at MHG Insurance Brokers have the resources to help you choose the ideal policy for your unique requirements. Contact us today at 877-278-7400 to learn more.   

Healthy Living Tips From Your Marine Insurance Broker

At MHG Insurance Brokers we specialize in insurance plans designed specifically to meet the needs of marine employers, shipboard officers and crew, and contractors and concessionaires.  Because of the unique needs of individuals and groups at sea, choosing an insurance broker that understands the lifestyle and work environment is essential. 


Services offered by MHG can be tailored according to each employer’s needs with the secure knowledge that they are marine specific and supported by a team experienced in the marine environment. With our extensive market relationships and experience in the industry, we offer sound, independent advice as to which insurance and financial services providers and products are best suited to address the needs of individuals and employers.

Marine insurance solutions include private international health insurance, vacation health insurance, disability income, life insurance, short-term health insurance and retirement savings plans. Here is more information on the plans we offer.

MHG provides private international health insurance to all nationalities. Our extensive market relationships permit the design of international group medical plans that are tailored to each employer's specific philosophy and compensation needs. MHG also offers various benefit packages that can be combined for groups located in the US.

MHG offers short-term health insurance for contractors and concessionaires which provides coverage for emergency medical treatment, emergency medical evacuation, should the local facilities be inadequate and a number of other benefits. For groups requiring coverage for employees while on vacation, we can customize a plan to fit your needs.

Disability Income is an effective risk management tool for employers that not only enhances the value of compensation packages for employees but also provides peace of mind.  It can provide protection against loss of income in the event an employee becomes temporarily or permanently disabled while at work or on vacation. Coverage is available to groups of five or more and can be customized to fit your budget and benefit needs. With worldwide coverage for disability due to accident or sickness, these plans also allow you to select a waiting period and benefit amount while typically not requiring underwriting.

Let MHG Insurance Brokers provide you and your employees with peace of mind.  Group life insurance offers employees comfort knowing that in the event of their death their loved ones will receive financial support for ongoing expenses, funeral arrangements or children's education. For employers, group life insurance is a cost-efficient benefit because it is highly valued by employees.

MHG's investment team is able to provide cost effective, flexible benefit retirement savings plans which will help recruit, retain and motivate staff while providing the employer with maximum value for each dollar spent. As your specialist plan manager, MHG's role would normally involve consultancy, plan design, independent brokerage, investment planning and communication, installation and administration of the plan. We also provide consultancy and plan management services for employers with existing plans.

With over 20 years of experience focused on the welfare of crew, MHG has the knowledge to advise the cruise industry about its insurance needs.  Please contact us today at +1 954 828 1819 for more information on any of the services we provide.

If you are attending Cruise Shipping Miami March 13th-15th at the Miami Beach Convention Center, please feel free to stop by our booth #1893 located in the Ship Services and Hotel Operations section. Join us for a glass of wine during our reception on Wednesday, March 14th from 2pm-5pm.  If you still need tickets for Cruise Shipping Miami, avoid the $100 fee and register as our guest for complimentary tickets to the Exhibition Hall.

MHG – The Cruise Industry’s Insurance Specialists

In a victory for the Obama administration, the 6th U.S. Circuit of Appeals, based in Cincinnati, “upheld a key provision in the health care reform law that will require most U.S. residents to enroll in a qualified plan or pay a fine,” this past Wednesday, reports Business Insurance

 

Experts expect the issue to be examined by the Supreme Court either later this year or next year, around the time when President Barack Obama will seek re-election. The proposed provision, which aims to extend coverage to over 30 million uninsured Americans, will require U.S. residents to enroll in a health insurance plan beginning in 2014 or face a fine. 

Opposition is implied, as Republicans have sought to have the law repealed in Congress, state legislatures and federal courts. In addition, two federal judges have ruled the law unconstitutional and The Thomas More Law Center in Michigan previously argued that Congress could not regulate how U.S. residents pay for health care or insurance. However, a federal judge in Michigan ruled that the law was legal and the group repealed. 

The implications of the insurance mandate spell trouble for health insurers, hospitals, drugmakers and device companies. As government explores different avenues in which to improve the current health care crisis, millions of Americans continue to search for affordable health care services.

MHG Insurance Brokers employs passionate and knowledgeable insurance experts who provide sound advice on the most appropriate health insurance plan for individuals and families according to their unique financial situation.  Contact us today at the location nearest you for more information.

U.S. Appeals Court Upholds Health Care Reform Mandate

Healthcare reform continues to make headlines, as new mandates make their way to the Supreme Court. Although the Affordable Care Act became law on March 23rd of 2010, it is still waiting to be reviewed by the Supreme Court. On Wednesday, the Obama administration said that the review is slated to happen either late this year or early in 2012, just in time to influence voters in the next presidential election. 


The Justice Department has announced that it is petitioning the Supreme Court to overturn a ruling in the 11th U.S. Circuit Court of Appeals that the requirement for American adults to obtain health insurance starting in 2014 is unconstitutional. Various appeals panels have issued contradictory rulings on the mandate, while two threw out lawsuits brought by the attorney general of Virginia and a group of New Jersey doctors on procedural grounds.

The most controversial mandate has the 11th Circuit and the public alike concerned: “If the federal government has the power to require the public to buy coverage from private insurers, where does its power over the citizenry end?” asked Jon Healey for the LA Times. Luckily for “Obamacare” supporters, there are several answers to this question; however, “The bad news is that none of them is likely to make the law more palatable to the public.” 

Since everyone is an existing consumer of healthcare and the Supreme Court recognizes it as a form of interstate commerce that Congress can regulate, it is clear that critics of the measure are taking it out of context. “The individual mandate simply regulates how people pay for what they buy.” Essentially, this means that people who get sick must cover their costs, instead of forcing someone else to pay the tab. 

In addition, the mandate requires insurers to offer coverage to everyone, regardless of any pre-existing conditions. “If you can't bar insurers from discriminating against those with preexisting conditions, millions of Americans won't be able to buy coverage.” If citizens are not required to carry insurance, most will wait until they get sick to secure coverage, “triggering a vicious cycle of cost increases.” 

The final answer lies with the perceived power of the federal government. Historically, lawmakers have made conservative decisions regarding healthcare due to fear of voter backlash. The problem can be boiled down to the divisive subject of how big the government should be, and how much power it should be permitted to exercise – “That's why the administration needs to come up with not just a good legal answer to the question about the limits of government power, but also an answer that makes sense on Main Street.”

As we wait and see what happens with healthcare reform, MHG Insurance Brokers is here to keep you informed and up to date on any new developments.  As an insurance broker, MHG provides health insurance plans to meet the needs of individuals and groups from all financial backgrounds. MHG also offers yacht crew insurance, international medical insurance, disability insurance, long term care, life insurance and business insurance. Our staff applies years of industry knowledge to find the best plan for each individual client, and is always a phone call or email away to answer any questions. For more information, contact MHG today.

Healthcare Reform: Will Fight Over “Obamacare” Come to an End?

The only constant in life is change. You’ve heard it and are intimately familiar with the dynamic quality of life. Whether you’re starting a family, going on a trip to a foreign country or moving to a new city, life’s milestones can also put you at risk of being underinsured. 


Although insurance can be confusing and overwhelming, it’s important not to dismiss the responsibility of understanding your coverage and when and why you need it. Instead of tackling this task on your own, the best way to ensure that your insurance coverage is keeping up with the events in your life is through periodic reviews with your insurance provider. Adequate coverage is essential to your financial security, and without it, you could be unwittingly putting your hard-earned money at risk. 

MHG clients are fortunate to have access to knowledgeable insurance representatives to help translate the convoluted to comprehensible, helping to make sure that the things that matter most are protected. Our reps offer round-the-clock support – whether you’re curious about the benefits of life insurance, are wondering whether or not you need commercial insurance or need to understand your health insurance co-pay policy, MHG is always just a phone call or email away.

All MHG clients receive this free service from our experienced, credentialed professionals. We are committed to helping you map out your financial future as a full-service insurance provider. 

Remember, MHG’s 24/7 service comes free of charge, but the peace of mind that comes with knowing that you took the time and action to protect your family and belongings is invaluable. MHG Insurance Brokers has set up phone numbers around the world for your convenience. We welcome you to call us any time to learn more. 

The Right Amount of Coverage for Every Stage of Life

The summer season is officially underway, and whether you live in sunny South Florida or not, things are starting to heat up all over the globe. Warmer weather means more time spent in outdoor activities, as well as swimming and poolside lounging. Although we all generally welcome a bronzy summer glow, the consequences of spending too much time in the sun have been well documented. 

 

Sunscreen products have recently undergone FDA scrutiny after 30 years of overstated claims to consumers. So what do these new regulations entail? We’ll explain below, along with some publicized criticism by prominent health advocacy organization, the Environmental Working Group (EWG). The Food and Drug Administration has deliberated for decades with intentions "to help eliminate misleading claims about sun protection factors, water resistance, and cancer and wrinkle prevention," as CBS News reported on Tuesday. 

While the FDA's actions have helped to limit misleading claims made by sunscreen companies, EWG representatives note that the new rules include a weak standard for protection from UVA rays. Currently, the term “SPF” applied solely to a product’s ability to block UVB rays, the main cause of sunburns; but UVA rays contribute to skin cancer and premature aging. 

The new rules will establish a standard for over-the-counter sunscreens that will determine which products can be labeled as “Broad Spectrum,” or, those that provide protection against both UVB and UVA radiation. The CBS article references Dr. David Andrews, a senior scientist with the Washington, D.C.-based group, as saying, "FDA's action offers some noticeable improvements for consumers, such as limiting misleading claims. However, it is clear that FDA caved to industry and weakened its safety standards." 

For more information on the new regulations, as well as feedback from the EWG, read Fast Company’s detailed article here. Summer weather invites us to enjoy the great outdoors with warm weather and lazy days in the sun, but it’s always important to wear sunscreen, and to be well informed about new regulations that shine a light on long-standing misleading claims. 

Skin cancer is an ever growing concern, with melanoma rates growing by nearly half from 1992 to 2004 in the U.S. alone. If you have any suspicions, it is important to schedule an appointment with your physician. Having quality health insurance is more important than ever before in the current economical landscape. 

Let MHG Insurance Brokers help you find the best individual or group health insurance policy for you, your family and/or your business. Contact us today at the location nearest you to find out more about group and individual health insurance today.

Health Watchdog Group Shines Harsh Light on New FDA Sunscreen Regulations