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Health Insurance Terms 

 

MHG Insurance Brokers strives to provide our clients with the best service and the most viable information regarding insurance policies and services currently available on the market. We want our clients to be able to make informed decisions about their healthcare, as well as become familiar with what their own insurance needs are. This can be a challenging task, however, as the insurance industry has practically established its very own language which includes a myriad of terms and confusing industry related jargon. 

Below are commonly used health insurance terms, clearly defined to make it easier for you to apply this information when you review your current policy, or when you are considering making changes to your existing plan. As always, MHG is available at any time to discuss any questions you may have regarding your existing plan, or to examine these terms in more depth:

  • Deductible: A deductible is a fixed dollar amount during the benefit period, usually a year, which an insured person pays before the insurer begins to make payments for covered medical services. Plans may have individual and family deductibles. Some plans may have separate deductibles for specific services, such as a deductible for each hospitalization admission.

  • Coinsurance: A form of medical cost sharing in a health insurance plan that requires an insured person to pay a stated percentage of medical expenses after the deductible (if any) has been paid. Once the deductible and/or coinsurance have been paid, the insurer is responsible for the rest of the reimbursement for covered benefits.

  • Copay: A form of medical cost sharing in a health insurance plan that requires an insured person to pay a fixed dollar amount when a medical service is received. The insurer is then responsible for the rest of the reimbursement.

  • Out of Pocket Maximum: This is the maximum dollar amount a group member (the insured) is required to pay out of pocket during a benefit year.  Until the maximum is met, the plan and group member share in the cost of covered expenses.

  • In/Out of Network or Participating Provider: Your health plan contracts with a wide range of participating doctors, specialists, hospitals, pharmacies, and labs. These providers have agreed to accept your plan’s contracted rate as payment in full for services. The contracted rate includes both your insurer’s and your share (deductible, copay, coinsurance) of the cost. For those with out of network benefits, services from a provider who is outside of this network are not based on agreed upon or set contracted rates with your insurer, and therefore the services may be subject to higher charges. This may result in you paying more out of pocket for the difference owed between what the provider is charging and what your plan will cover.

  • HMO: HMO stands for Health Maintenance Organization. It is defined as a health care system that assumes both the financial risks associated with providing comprehensive medical services (insurance and service risk) and the responsibility for health care delivery in a particular geographic area to HMO members, usually in return for a fixed, prepaid fee. Financial risk may be shared with the providers participating in the HMO. There are different types of HMOs, including a Group Model HMO which contracts with a single multi-specialty medical group that provides coverage to the HMO’s membership. There is a Staff Model HMO where patients can receive services only through a limited number of providers, in which physicians are employees of the HMO, usually operating within the HMO’s own facilities. There is also a Network Model HMO that contracts with multiple physician groups to provide services to HMO members. Finally, an Individual Practice Association HMO is a type of health care provider organization composed of a group of independent practicing physicians who maintain their own offices and band together for the purpose of contracting their services to HMO’s.

  • POS: A POS plan is an HMO/PPO hybrid; sometimes referred to as an open-ended HMO when offered by an HMO. POS plans resemble HMOs for in-network services. Services received outside of the network are usually reimbursed based on a fee schedule, or what is considered to be reasonable and customary charges.

  • PPO: A PPO plan is an indemnity plan where coverage is provided to participants through a network of selected health care providers, such as hospitals and physicians. The enrollees may go outside of the network for services, but would incur larger costs in the form of deductibles, higher coinsurance rates, or non-discounted charges from the providers.

  • COBRA: COBRA stands for the landmark Consolidated Budget Reconciliation Act of 1986. This law provides the continuation of group health coverage that would otherwise be terminated for a former employee, retirees, spouse’s former spouses and dependent children. The coverage is available when coverage is lost due to certain specific events, such as voluntary or involuntary termination of employment, reduction of the number of hours worked by the employee, covered employees becoming entitled to Medicare, or divorce or death of a covered employee. However, in most cases, the insured person must continue to pay his or her portion of the insurance premium as well as the portion that was previously being paid by the employer in order to maintain coverage.

MHG Insurance Brokers wants you to understand health insurance terminology that can often be confusing and overwhelming. We welcome your feedback and any questions you may have. You may contact MHG at 954-828-1819, or by visiting us at mhginsurance.com.  Here’s to your good health!

Commonly Used Health Insurance Terms

Reasons to Buy Life Insurance No one wants to think about the unforeseen loss of a spouse or loved one.  Just the thought of losing someone you love brings up unpleasant, emotional feelings. However, taking the time and making a small investment to plan for such an event – whether it be that of your own passing or that of a spouse - is not only necessary, but it is one of the most generous, loving gestures you can make for those you love. Here are the ten reasons why everyone should consider purchasing life insurance:    

  1. Protect those you love. Your loved ones will be able to go on financially and without the stress and worry of how they’re going to pay the bills. Your children’s future will be solidified, allowing them to attend college, while your spouse will have the means to continue paying the mortgage and stay in your family’s home.

  2. Peace of mind. Are you the top income earner in your household? When you obtain life insurance, you will no longer have to worry what will happen to your family in the event of your death or if you become terminally ill – at which time life insurance becomes practically impossible to acquire.

  3. Life insurance creates options. Often, when a loved one who was the top income provider of the family passes, survivors are forced to make quick, important financial decisions during a very tough, emotionally charged time.

  4. Life insurance has more than one purpose. Your policy is a valuable asset that can provide a specified sum of money at a time when it is needed most. You can choose a Life insurance plan that is an annuity – which will actually supplement your retirement income with a guaranteed monthly stream of income once you retire for as long as you live.

  5. You never know what can happen. In the event of an emergency or abrupt onset of terminal illness, you may be able to request a withdrawal or loan from your policy for a much needed cash infusion to keep your household running smoothly.

  6. Death shouldn’t equal debt. Debt can be a tremendous burden for anyone, but it is especially difficult to deal with for those who are grief stricken.

  7. Take care of your business. Life insurance doesn’t just protect individuals. It can protect a business from financial loss, liabilities, or instability in the event of the death of a business owner or partner.  It can be invaluable in providing an infusion of cash to keep operations going until things settle down.

  8. Funerals are expensive. A funeral can cost anywhere from $7,000 to $10,000 – and that is just for an average, “no-frills” burial. Life insurance can cover this cost without further financial hardship and stress for your loved ones.

  9. It makes financial sense. Life insurance is considered a financial asset, which can help increase your credit and help you get a loan or health insurance.

  10. Give to charity. Life insurance will allow you to leave a meaningful gift to a favorite cause or charity that is larger than you would have been able to set aside for a donation.

Obtaining life insurance ensures financial stability for those left behind in the event of an unforeseen tragedy, as well as providing cash in times of need. Contact MHG Insurance Brokers to learn more about obtaining life insurance and the different types of 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 Ten Reasons to Buy Life Insurance

Regulatory Changes Affect Captains And CrewIt is often said that, “The only constant in life is change.” This statement could not be more appropriate with the changes that are happening regarding health insurance and the superyacht industry. Between Health Care Reform and the Maritime Labour Convention, 2006 (MLC) coming into effect soon, now is the time for yacht captains and crew to learn about regulatory changes taking place and how they can best protect themselves. 

 

Mark Bononi, MHG Insurance Brokers’ Yacht Division Director, is featured in this month’s issue of Dockwalk, the premier magazine for superyacht captains and crew. He speaks candidly about this specific issue and offers pertinent advice for those in the industry. For starters, let us begin with the MLC, which will be going into effect on August 20, 2013. If you have assumed the MLC will make the vessel owner responsible to take care of all your health and medical insurance needs, this is simply not the case. 

The MLC is basically designed as a minimum standard for the commercial shipping world and does not mean individual yacht crewmembers will be adequately protected. Bononi shares that the MLC going into effect really does not change much regarding coverage. He explains that the “MLC states that each vessel owner is liable for crew medical costs.” However, the MLC does not spell this out clearly, stating the yacht owner must provide “financial security” to cover death, repatriation or long-term disability costs. Bononi then asks, how will this “financial security” be proven? It will most likely be subject to interpretation by each individual port state inspector. Proof might come in the form of providing health insurance, or having money in an escrow account, or in another manner…either way, it is not clearly stated. 

In addition, many insurance policies offered by a yacht owner do not include all-encompassing health care for yacht crewmembers. Bononi stresses the point that this is where the responsibility ultimately falls on the crewmember to make sure their medical and health insurance needs are met, and how a separate medical policy can offer added protection and peace of mind. When it comes to Health Care Reform, Americans who work as yacht crewmembers are currently playing the waiting game. Do not assume that not residing in the U.S. the majority of the year removes your requirement to pay for health insurance or be subject to a tax. Currently, the rules around residency and time periods for residing outside of the U.S. are vague at best. This makes it difficult for yacht crewmembers to plan for their health insurance needs. 

Staying in contact with an experienced yacht insurance broker, such as MHG, is imperative, as they will keep abreast of all regulatory changes that are happening regarding the MLC and Health Care Reform. Bononi states that it really boils down to each individual crew member getting adequate coverage for themselves that meets their specific needs, even if this comes in the form of an additional policy over what the yacht owner provides. 

His other important piece of advice is not to wait: “Health insurance only gets more expensive the older you get, so getting on board early with a comprehensive health policy can help with future costs.” Bononi’s full interview is available in the August issue of Dockwalk magazine. 

If you are a yacht crewmember seeking to learn more about health insurance options available to you, call MHG today and let a skilled representative explain more regarding the MLC and Health Care Reform. MHG Insurance Brokers can also provide you with numerous quotes from top-rated insurance companies who offer policies that meet your budget and individual needs. Call MHG today at 954-828-1819 or learn more by visiting www.MHGInsurance.com

How Upcoming Regulatory Changes Might Affect Captains and Crew

Insurance NeedsWe cannot predict when an emergency may arise or the setbacks we may endure. However, we can be prepared for these events by being insured properly during each stage of our lives. Often, we are able to resolve some situations that come up with personal funds from income or savings.  However, some unexpected hardships can be very costly. In the event of a larger setback, the function of insurance is to be able to shift the financial burden to the insurance company, so that we can maintain financial stability.

 

Part of assessing someone’s insurance needs is taking into account the life stage that person is in. Someone who just graduated college has different coverage needs than someone who is newly married and is considering starting a family. A newlywed’s insurance requirements are also quite different from that of a person who is about to retire. 

Additionally, taking into consideration the common milestones that occur during each life stage helps determine the different types of insurance that one should consider investing in. Here are some life stages to consider: 

  • Young, Single, Recent Graduate - If currently between jobs, or not yet eligible for coverage offered through a job, it is important to consider purchasing a health plan as well as disability coverage. In the event an accident leaves you temporarily unable to work, you will still be faced with having to pay bills and student loans. Life insurance is also something to consider –you may not think you need it right now, but it is still worth checking into, as the premiums will be at their lowest for those who are young and generally healthy.

  • Just Married – If you are thinking about starting a family, you will want to review your health plan to be sure you are able to add a new family member to the plan and make sure you have adequate coverage. Also, consider purchasing life insurance plans at this time. In the event of a spouse’s unforeseen passing, you will want to protect each other financially from having to incur any personal debts and funeral expenses, as well as cover expenses such as the cost of raising a child, college, and a mortgage.

  • Empty Nesters – With the children off on their own, take time to review your life insurance needs. You may want to adjust the amount of coverage you currently maintain, determining that you may not need as much. Also, consider purchasing Long Term Care coverage, which will cover costs that may arise for elderly services or facilities that may become a necessary part of the care you need as you get older.

  • Retirement– You will have to maintain your health insurance plan until you reach the age of 65, which is the age you become eligible for Medicare. At that time, you will need to consider purchasing a Supplemental Health Care plan as well as Prescription Drug Coverage, to enhance your Medicare plan and cover the medical expenses that Medicare does not. Travel insurance is also something to consider, as the retired years are when people do the most travelling.

Just as it is important to be properly insured, it is also essential to work with a reliable insurance broker, such as MHG. MHG employs experienced representatives who have earned the credentials necessary to provide you with the correct type of insurance and the proper amount. A knowledgeable representative will assess your insurance needs, determine the type and amount of insurance you should maintain, and find the best-priced policy.

Contact MHG Insurance Brokers today at 954-828-1819, or visit mhginsurance.com and speak with one of our insurance representatives. Learn how to protect yourself and your family with insurance coverage that is essential for every stage of life.

 

Changing Life Stages and Your Insurance Needs

Health Care Reform

Health Care ReformRemember the old adage from Benjamin Franklin “In this world nothing can be said to be certain, except death and taxes…”, well, we could add one more thing to this maxim “…and health insurance”.   

 

I added this only because in 2014 there will be a new tax enforced mandate that requires all Americans to obtain basic health insurance under the ACA (Affordable Care Act), also known as Health Care Reform. So what is Health Care Reform and why is it needed?  

Let’s start by taking a long hard look at who has and who doesn’t have health insurance.  In this case 43 million-plus Americans currently do not have basic health insurance, and those that want it currently may not be able to get it because of pre-existing conditions.   

A not so nice example of this is a young pregnant woman who needs individual insurance right now would not be able to get basic individual insurance to cover pre-natal and post-natal medical support.  Sure, there may be some State programs that could help but even these are less than comprehensive in scope.

Now roll-back to 2010 which was when this individual mandate or law came in to effect. To start there were several key milestones such as:

  • Individual Pre-existing Condition Insurance Plans (or PCIP’s) made available for people with certain pre-existing conditions who have been unable to obtain insurance for six months or more
  • Expanded coverage in Medicare Part D ‘donut hole’ or ‘gap’ for seniors
  • Small business group  health insurance credit
  • Adult children can now remain on their parent’s insurance plan through age 26
  • Copays, coinsurance and deductibles have been removed on preventative care visits
  • No pre-existing condition exclusions for children under age 19
  • No lifetime or annual limits on “essential” or basic health benefits

Note that one of the keywords used here is “individual” insofar as the mandate makes each US citizen or resident individually responsible to show they have healthcare in place, with the compliance review being administered and enforced under the tax mandate, by the IRS. Now you are up to speed with Health Care Reform and the changes that are already in place, you might be asking what’s still to come. 

January 1, 2014 is the deadline to purchase your health insurance. Failure to do so will result in individual penalties from $95 in 2014, $325 in 2015, $695 in 2016 or 1% in 2014, 2% in 2015 and 2.5% in 2016 of your income, whichever is greater. Employers with 50 or more full-time employees who do not offer health insurance will also be subject to fines. But it’s not all doom and gloom! Here are some of the notable scheduled changes still to come.

  • Individuals with incomes up to 400% of the federal poverty level will be eligible for refundable tax credits to purchase insurance coverage through the state based exchange marketplace.
  • There will be no pre-existing condition exclusions.
  • Employers with more than 200 employees that offer insurance coverage must automatically enroll new full-time employees with the opportunity to opt out.
  • Group waiting periods for coverage will be required to be less than 90 days.
  • State-based and federally governed exchanges open beginning in 2014, which will allow people to compare and purchase health plans in the new state-based marketplace designed to make buying health insurance easier and more affordable. They will be able to use insurance brokers, such as MHG, to assist in navigating these exchanges. Plans offered on the exchanges will follow a tiered rating (such as Silver and Bronze levels offering very basic insurance and at the other end of the scale, high-end comprehensive plans.   There will also be the opportunity for supplemental insurance to be offered (also called GAP plans) which will help plug any gaps in the basic insurance package, again offered by insurance brokers as needed.

So there you have it, a snap-shot on what has happened and still to come for Health Care Reform. Obviously there are risks inherent in this change, not least of which is a possible shortage of primary care physicians and an initial influx of people with pre-existing conditions previously uninsurable.  This will place a strain on any Health Care Reform model but given the alternative of no universal insurance, or mounting premium costs, will be something that has to be dealt with in future years. 

MHG Insurance Brokers is committed to keeping you up to date with Health Care Reform changes and legislation that may affect you. Whether you are looking for Health Care Reform guidance, health insurance for you or your family, employee benefits, dental, life insurance or long-term care, schedule an appointment with the insurance specialists at MHG to discuss your particular situation by calling 954-828-1819 or visit mhginsurance.com for more information.

Health Care Reform

What is your favorite part of the Fourth of July? Is it the local parade, boating with family and friends, attending a backyard BBQ, watching the fireworks display or simply lounging by the pool? Whatever your plans are this Fourth of July, stay safe! 

 

A special study conducted by the US Consumer Product Safety Commission found that 65 percent of firework related injuries in 2011 occurred in the month surrounding the Fourth of July holiday. 

Here are a few safety tips to follow this holiday: 

Wear a life jacket at all times when boating. Last year, 533 of the 758 boating fatalities resulted from drowning, with 84 percent of the drowning victims were reported as not wearing a life jacket. Do not operate a boat under the influence of alcohol. Alcohol is even more hazardous on the water than on land. The marine environment – motion, vibration, engine noise, sun, wind and spray – accelerates a drinker's impairment. 

Always prepare a float plan. Every vessel from a kayak, to a canoe, sport boat, fishing boat, and even a jet ski should file a float plan.  Without a float plan you are counting on someone else, a friend, neighbor, or family member to remember detailed information that rescue personnel need in order to find you.  Include the boat identification, passenger and crew list, itinerary, and emergency contact information. Make sure fireworks are legal in your area before buying or using them.  

Never allow young children to play with or ignite fireworks and always have an adult supervise fireworks activities, especially if sparklers are being used. Sparklers can be dangerous and burn at temperatures of about 2,000 degrees - hot enough to melt some metals! Never place any part of your body directly over a fireworks device when lighting the fuse. Light fireworks one at a time and then back up to a safe distance immediately. Never try to re-light or pick up fireworks that have not ignited fully.  Never point or throw fireworks at another person and never carry fireworks in a pocket or shoot them off in metal or glass containers. Keep a bucket of water or a garden hose handy in case of fire or other mishap.  After fireworks complete their burning, douse the spent device with plenty of water from a bucket or hose before discarding it to prevent a trash fire. 

And lastly, don’t forget about your furry four-legged friends! Never use fireworks around pets. While exposure to lit fireworks can potentially result in severe burns and/or trauma to the face and paws of curious pets, even unused fireworks can pose a danger. Many types contain potentially toxic substances, including potassium nitrate, arsenic and other heavy metals. Also remember to keep pets safe from the noise in a quiet, sheltered and escape-proof area at home.

MHG Insurance Brokers urge you to be safe this holiday. Even though you take precautions, accidents do happen and having quality health insurance is important every day of the year. Whether you are looking for health insurance, disability income, life insurance, travel insurance, specialty marine crew medical or business insurance, we can help. Contact the experts at MHG to help you choose the ideal policy for your unique requirements. Call us today at 877-278-7400!

MHG Urges You to Be Safe - Be Prepared With Health Insurance

1) What are walk-in clinics/urgent care centers?

 

If you are faced with a non-life threatening illness or mild injury, an urgent care center or walk-in clinic can offer you medical attention in the event your primary care physician is not available and/or when a trip to the emergency room may not be necessary. Many urgent care clinics are often open after hours, seven days a week and appointments are not necessary.   

2) Choosing a walk-in clinic/urgent care center 

There are more than 8,000 urgent care clinics in the United States. Choosing a center often comes down to proximity, insurance and quality of care. You want to choose a center that is near your home or work and can offer you quality care and assistance in a reasonable amount of time. Consider this list of factors when choosing an urgent care center: 

Location: Is the urgent care center a reasonable distance from your home, school or office?

Availability: What hours is the urgent care center open? Many walk-in clinics are not open 24 hours, however they commonly accommodate after hours, weekends and holidays. It is advisable to call ahead to confirm hours of operation and ensure it fits your schedule.

Insurance: Does the clinic accept your individual health insurance plan or group health insurance plans? Many clinics accept most insurance plans. If you do not have insurance, the clinic will assist you, but there is an upfront charge required.  

Quality: Is it too crowded? Were you treated kindly? Did you receive adequate care? These questions can be difficult to answer before you visit a clinic, but if you do not receive quality care, you should report the mishap and find another clinic for future needs.  

Recommendations: Ask a friend or relative about their experiences at local urgent care centers. Quality is easier to measure when you can learn from someone else’s experience.   

3) When to use urgent care centers/walk-in clinics 

Emergency room wait times are often high and should be reserved for emergency use only. Urgent care centers are designed to free up emergency rooms for true emergencies. Severe accidents, deadly illness, bleeding wounds and similar incidences are for the emergency room, but basic illnesses, such as a cold, the flu, a cough and even a fever can be treated at an urgent care center.  

Basic injuries such as bruising, sprains or possible minor broken bones can also be diagnosed at an urgent care center, where they may send you onto a hospital depending on the degree of injury.   Walk-in clinics offer you fast, quality medical care and, in most cases, for a lot less money than the ER. This is why it is important to be aware of your ER alternatives before you need them.

Urgent care and walk-in clinics

Did you watch the London Olympics?  Have those athletes inspired you to take up a new sport or get back to the one you love? 

 

Now that the closing ceremonies are complete are you looking to travel and have an adventure of your own? How about some rock climbing in England? Looking to jump out of an airplane like the queen? Is white water rafting, scuba diving or some bungee jumping in your future? Perhaps some BMX or motorcycle racing is more your style. 

Whatever extreme sport you are looking to participate in you need an insurance plan with the medical benefits to keep you covered. MHG Insurance Brokers offers a variety of comprehensive medical insurance plans to meet the needs of each unique client.  MHG have the health benefit plans that you need for traveling abroad and for participating in the extreme sports activities you love. 

Most traditional medical plans are not designed for international travel and usually exclude hazardous sports activities. With travel policies you have access to 24 hour international, multilingual customer service centers ready to coordinate your emergency medical services and international treatment.  The insurers offering these plans understand the language and of most countries. 

Travel insurance including cover for adventure sports is very affordable so there is no reason to participate in international extreme sports without coverage. Plans typically require no coinsurance for treatment received outside the US and Canada, while providing world class medical benefits for in-patient and out-patient medical expenses.  Coverage is available for as little as 5 days up to a year. 

Where will you be traveling? Visiting a place where medical care is at a minimum? Travel insurance plans includes coverage for emergency medical evacuation from a medical facility to the nearest qualified medical facility.  Once you are finished receiving the necessary medical treatment plans may also provide for the cost of returning you to either your home country or the country where the evacuation occurred. 

What if the person you are traveling with gets injured? Or you are home and a loved one is injured and needs you? Travel insurance can provide emergency reunion coverage for reasonable travel and lodging expenses of a relative or friend during an emergency medical evacuation of the insured person.   This coverage is for either the cost of accompanying the insured during the evacuation or travel from the home country to be reunited with the insured.   

When a loved one is injured, you have enough to worry about, so let the insurer help you. Before you go for the thrill make sure you are covered for those sudden and unexpected accidents and illnesses.  MHG Insurance Brokers offers a variety of comprehensive medical insurance plans to meet the needs of each unique client. Whether you are looking for travel insurance, group insurance plans or business insurance, MHG has solutions to fit every budget. Contact the experts at MHG to help you choose the ideal policy for your unique requirements. Contact us today at 877-278-7400 to learn more.  

Olympic Inspired Adventure Travel Insurance

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

Travel Abroad Insurance

Passports and tickets, check! Money and camera, check!  Suntan lotion, check! Travel insurance… hmm. 

 

Summer is nearly upon us and that means it is time to finalize your summer travel plans. Whether you are jetting down to the Caribbean for a little R & R, cruising the Mediterranean or conquering the Great Wall it is important to be prepared for your trip and all emergencies that could pop up. What would you do if you or a family member got a bad case of food poisoning or worse yet, were involved in a bad car accident? 

Traveling abroad can be an exciting experience; however, a medical emergency can arise at any time and the lack of appropriate insurance could expose you to serious financial liability.  The good news is that travel insurance is very affordable and easy to apply for! As your independent insurance specialists, MHG Insurance Brokers has the knowledge and expertise to provide you with plan options from several different insurance companies containing the medical benefits that you need for traveling abroad.  

Most traditional medical plans are not designed for international travel or can be difficult to use while outside your home country. With a travel insurance plan from one of our designated carriers, you and your family will have peace of mind knowing that you are prepared for your trip.

MHG offers the Atlas Travel Series, a short-term health insurance plan administered by HCC Medical Insurance Services, which provides coverage outside your home country from five days to one year. The plan includes coverage for emergency air/ground transportation to the nearest qualified hospital, hospital room and board and acute onset of a pre-existing condition among other benefits. Choose from a deductible ranging from $0 to $2,500 and maximum limits from $50,000 to $1,000,000.  

Do you know the current passport, visa, inoculation and vaccine requirements as well as travel safety advisories for the countries they will be traveling in? HCCMIS does!  

Are you planning to do some adventurous sporting activities while on vacation? Cover for most sports are automatically included! And it is no problem if you’re leaving right away, enrollment in the Atlas Travel plan is available online and same day coverage is available. 

Looking for a plan with higher coverage limits but that is still within your budget? MHG Insurance Brokers offers Patriot Platinum Travel Medical Insurance, administered by International Medical Group (IMG), provides first-class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical insurance product. Deductibles range from $0 to $25,000 and maximum limits from $1,000,000 to $8,000,000. Coverage is available for a minimum of 10 days up to three years and in addition to emergency air/ground transportation to the nearest qualified hospital and hospital room and board and many other benefits.

Patriot Platinum also includes exclusive access to IMG’s Global Concierge, a dedicated service team for providing a variety of assistance services. Patriot Platinum has an optional adventure sports rider available for all you adventurous travelers out there. Enrollment in the plan is available online and next day coverage is available. 

Before you and your loved ones head out for summer vacation, make sure you’re covered for those sudden and unexpected accidents and illnesses that could arise. 

At MHG Insurance Brokers, we are here to advise what insurance coverage is available to you no matter if you’re traveling to Paris or Phuket this summer. Whether you are looking for travel insurance, health insurance, disability income, life insurance, commercial insurance, the experts at MHG are dedicated to providing you with the advice you need in order to choose the best individual or group plan for your employees. Contact us today at 877-278-7400 to learn more or apply online.

Travel Abroad Insurance