Gap Insurance, also known as Supplemental Limited Benefit Medical Expense Insurance, is a benefit that helps to cover the exposure your employees have until they reach the maximum benefit based on that plan design. Most employers either choose a plan that will pay providers until the employees reach their medical deductible or maximum out of pocket.

What specific benefits does gap insurance provide?

The specific coverage that most gap insurance plans provide is separated into two categories (riders such as labs, in-office treatment, etc. can be added). The categories are:

• Inpatient Services- including hospital stays, inpatient surgeries, and physician’s in-hospital charges.
• Outpatient Services- including diagnostic exams, and other outpatient treatment of injury and sickness, provided the service is performed in a hospital, outpatient surgical or emergency facility, a diagnostic testing treatment facility, or similar facility licensed to provide outpatient treatment.

How does gap insurance work?

Gap insurance may be used to coordinate benefits with your employees’ primary insurance for inpatient, outpatient, and physician services. Benefits may be paid to the medical provider or directly to your insured employee, depending on the plan you choose. Premiums for gap insurance plans vary, according to the specific benefits you choose, but they are generally low enough that the combination of primary insurance and gap insurance will be less expensive compared to primary insurance with a lower deductible.

For employees who have relatively low deductible and copay amounts, gap insurance may not be needed, however these low deductible medical policies are not affordable for everyone, particularly small businesses. When out of pocket maximums are higher than employees can comfortably manage, gap insurance is a necessary protection that can keep them from financial disaster. Most workers who have a high deductible, high copay plan can have an out of pocket maximum over $5000. This can cause an insurmountable and unexpected financial hardship for many people and their families unless they have gap insurance to cushion the blow.

Offering an additional benefit to your workers can be seen as an investment in the performance of your company. According to Business.org, a website designed to help business owners and decision makers grow their businesses, the following are the top reasons to offer benefits to incentivize employees:

1. Increases Appeal

2. Minimizes Turnover Rate

3. Better Morale

4. Healthier Employees

5. Better Job Performance

When it comes to a group medical insurance plan, there are a lot of factors that decide the amount of coverage you may or may not want to provide to your employees, better yet, what you may or may not be able to afford. Rates seem to increase year after year, and in order to offer your workforce an attractive benefit package, you may have to get creative. That’s where gap insurance comes in, and we are here to help! Our insurance specialists are up to date with industry regulations and trends to help you and your business, and they are only a phone call away! Contact us today at 954 828 1819 or visit us online at mhginsurance.com.

To say that the past couple of months have been stressful would be an understatement. With what is currently going on in the world, stress, depression, anxiety, and other mental health issues have been affecting seemingly everyone to an extent. Fear of the unknown and what tomorrow may hold, loss of jobs and income, closing of schools, and being forced to stay indoors are all factors in what is likely affecting most people. Unfortunately, we are no experts on the trajectory of this pandemic, so we can’t say when or if things will be getting back to normal, but when it comes to your mental health, don’t wait for when or if, do it now!

Your mental health is just as important as your physical health, and with so many factors that may be affecting it out of your control, it is incredibly important to take control of your situation and make the best of it. There are several things you can be doing every day to help you stay strong mentally and keep from experiencing common issues such as anxiety and depression. Now, these tips should not be used instead of prescribed medication, and it is important to mention that if you are finding that nothing is helping you with your issues, to seek medical advice about how you can help yourself.

Meditate

I know what you are thinking, not everyone can sit in a quiet room for an extended time with the kids home from school and having to help them with their online studies, but it is important for you to be able to be alone with your thoughts. According to Everyday Health, “research suggests even brief meditation sessions can make a difference in managing stress” Try to take some time for yourself, relax, focus on your breathing, and clear your mind, you will be amazed at how good feel after the fact.

Exercise

While most people think of the physical benefits that exercising can have on your body, not many think of the mental benefits too! When you exercise, your body naturally releases hormones that make you feel good. In addition to the natural feeling, exercising will make you feel better about yourself, whether accomplishing a goal, looking better in the mirror, or just feeling better overall, having daily physical activity is crucial to your overall mental health. Exercise can directly impact depression and anxiety, as stated in this article from the Help Guide, a good place to visit for tips and help with mental wellness.

Sleep

Sleep is something that most people don’t get enough of. How many hours do you sleep every night? Did you know that during sleep is when your body recovers and heals itself? Maybe if you thought of it that way, you would make sure you got a full night! In fact, this recent Harvard study talks about how sleep deprivation and sleep disruption can negatively impact your mental health.

Go Outside

Many of us are stuck at home and forced to stay indoors, but if you are able to go outside, take advantage! Vitamin D is great for your overall health! Take a walk around your neighborhood or relax in the backyard. Catch some rays and let nature help brighten you up. Research even shows the positive impact of outdoor activity on your overall mental health. Read more about it here!

Stay Busy

If you are staying home through all of this, and find yourself bored, find something to do to keep yourself busy! Whether reading books, working on home projects, doing some spring cleaning, or taking this time to work on you, it is important to stay busy, and keep your focus on something.

Mental Health and Wellness is important for everyone, especially if you are a seafarer who may not have access to the help and assistance programs that those who aren’t at sea do. If you are a seafarer and need some help, check out SeafarerHelp, a free, confidential, multilingual helpline for seafarers and their families, available 24 hours per day, 365 days per year!

With the spread of COVID-19 causing global concern, rest assured that all of us at MHG are here and ready to answer your insurance questions and concerns relating to the virus. For specific information on how COVID-19 affects your insurance coverage, please call us or visit your insurance carrier’s website.

The Affordable Care Act (ACA) has brought a lot of changes in the health insurance industry. Depending on who you talk to some of these changes can be good or bad. One thing that is usually universally agreed upon as a positive change is that insurance companies are no longer allowed to deny you coverage if you have a pre-existing condition. Another positive is that plans considered to be creditable coverage offers preventive care at no cost to the member! Health is wealth and taking preventive actions to ensure you stay healthy is the best way to avoid an illness or an issue in the future. Also, it is important to note that preventive services will only be fully covered when seeing a doctor or medical provider that is in your plan’s network.

What is preventive care?

Preventive care is typically a procedure that is done to detect or prevent an illness or condition. Preventive health care can be anything from screening for diseases such as diabetes to screenings and counseling for alcohol misuse and tobacco use.

Breakdown

Preventive care is typically broken down into three groups, adults, women, and children. Depending on your age and/or gender, different procedures can be considered preventive care. For example, children have certain screenings to test for conditions that aren’t needed as an adult, such as an autism screening. Further, while adults are able to be covered for certain preventive services, women may need some services that are not needed by men for procedures such as a Pap smear. For more information on what procedures are deemed preventive care for each group, visit HealthCare.gov.

Why is preventive care important?

Just because you feel 100% healthy, doesn’t mean that you shouldn’t be taking advantage of regular check-ups. Part of staying healthy is catching issues before they arise or early enough to correct them. There are many conditions that don’t offer early symptoms such as high blood pressure or high cholesterol. The only way to see if they are at healthy levels is to check them regularly. We can’t stress enough that everyone should be using preventive care!

Some things to be aware of

While receiving preventive care should be free thanks to the Affordable Care Act, there are some things you should still be aware of. First, if something is found during your screening, any treatment you receive to help your condition won’t be “free”. You will be required to pay for further treatments according to your insurance plan. Also, in some cases there must be a valid reason to receive fully covered preventive services. You either must be due for one, like women 40 and over receiving a mammogram every 1-2 years (per HealthCare.gov) , or a doctor must prescribe it.

For more information about job based benefits, read our previous blog, What You Need to Know about Company Sponsored Insurance Benefits ”. Sometimes there are things in your plan that you don’t understand, or words that you have never heard before. Your well-being is important to us, and part of that is making sure you are properly taken care of. Our insurance specialists have the knowledge and experience to assist your group in finding the best Employee Benefits plan for your budget. If you are interested in purchasing a disability plan, health insurance, or life insurance, contact us at mhginsurance.com or call us at +1 954 828 1819.

You know the saying, “New year, new me!” Well it’s that time of the year, everything is fresh, people are motivated, and many of you have just begun a new benefit year in terms of your insurance as well. So why not take some time to figure out how to make the most out of your insurance benefits, the same way you would try to make the most out the year when it comes to vacations, starting new habits, or even just trying new things. Here are some tips to follow to better help you start your benefit year off right. Keep in mind the tips below are only for those times when seeing a medical professional can be planned in advance, if you are sick or in need of medical attention, please consult your physician immediately.

Read Your Policy

Reading your insurance policy may not be your first priority, but without reviewing your benefits, you might be missing covered benefits you can take advantage of. A big one is knowing the doctors in your network, depending on your coverage, some providers might be categorized in a special group which allows you to pay less. Check if you have dental and vision insurance and what is covered, there can be some benefits that are completely free of charge to you, even covering multiple visits throughout the year.

Do You Have a Rewards Program?

Most health insurance companies now offer a rewards program to help motivate people to live a healthy lifestyle. Get yourself involved as soon as you can so you can start earning rewards for things you do every day like walking, logging meals, weighing yourself, etc. Also, these programs can offer points for visiting the doctor, getting your teeth cleaned, getting a flu shot, and taking other preventable measures.

Plan Your Year

As stated before, once you understand your insurance coverage, you will have a better understanding of how to plan your year. Yes, you should always expect the unexpected, no one plans to catch a cold, but by understanding your benefits you can use providers that will cost you less. When it comes to making doctors’ appointments, your benefit year should be taken into consideration. For example, if you are in need of a procedure that is medically necessary but you have been putting it off, would it make more sense to have it when the year is fresh, or when you have reached closer to your max out of pocket, typically later in the year? Sometimes timing can be important and can be the difference from having to pay thousands versus having to pay nothing.

Avoid the Mad Dash

I don’t know if you have ever been to a medical facility at the end of the year, but more than likely they are slammed with people trying to use the last bit of insurance before the new year starts. By planning your year ahead, you can do what you can to try and avoid the headache of having to wait hours, or deal with nurses and doctors who are understaffed or stretched too thin. Most medical plans now include telemedicine which can be used in the convenience of your home using a smart device, if you need a prescription the telemedicine doctor will prescribe what you need at the pharmacy of your choice. In some cases, telemedicine can be free.

MHG Insurance Brokers comprises of a team of experts who specialize in Employee Benefits. We have unique relationships with carriers and are sometimes the first to know the plans they offer. We have a 5-star Google review rating, and an outstanding 96% client retention rate in the Life and Health Division (Employee Benefits). Our team of experts can complete a full analysis of your current plan’s offerings, and if needed, recommend a package that will enrich your benefits while keeping cost at a minimum. If you do not have a group plan in place, we have you covered! Our team can provide a proposal for your group which may be less than you anticipate. If you are interested in purchasing coverage for your team, feel free to contact us at 954-828-1819 or visit our website at mhginsurance.com.

Buying insurance, no matter what type, can be an intimidating and daunting task. For one, there is a ton of tricky lingo, a plethora of different coverages amounts and types, and of course the cost. Unless you are someone who works in the insurance industry, chances are insurance lingo can sometimes sound like a different language, and confusing protocol leaving you wondering what to do next.

However, it doesn’t have to be this way! Follow these 5 easy steps when making any insurance purchasing decision to help ease your mind and make the process as smooth and simple as possible.

What am I trying to protect?

When buying insurance, the first thing you need to ask yourself is “What am I trying to protect?” Are you trying to protect your business? Your health? Your kids? Your assets?

Once you have the answer to that question it will narrow down what you should be looking for. For insurance, If you wanted to protect your business, you would want to consider a General Liability policy, or Marine General Liability depending on the business. Protecting your kids? Look into life insurance.

What is my budget?

Once you know what type of insurance product you are in the market for, next you need to figure out your budget. After all, you don’t want to lapse your policy because you can’t afford it down the line if things become tight down the road, so be smart. Depending on your situation and what you are trying to insure, sit down and figure out what you can realistically afford, and what level of priority is the type of insurance you need.

Who do I know?

One thing that can make the decision easier is to figure out if you know anyone that currently has what are looking to get. If you do, ask them about it. What are the pros and cons? Is there anything they would do differently? Is there anything you need to look out for?

What don’t I know?

As with anything you buy, you should always do your own research. Figure out what products are out there, what pitfalls there are, and anything else that will help you get the best out of what you are buying.

Seek out a reputable broker!

Insurance Brokers often get a bad reputation but using a broker can help you avoid situations like this. For one, the majority of brokers are well-versed with the ins and outs of the insurance industry and can help you avoid a negative trend that you may otherwise know nothing about. Not to mention, brokers work for you! Brokers typically operate at no extra cost to you as it would be if you went straight to the insurance company to get your plan. 

Having proper insurance is important whether you are looking to protect your business, your loved ones, or yourself! Our insurance specialists have the knowledge and experience to find the type of insurance you are in search of, and policy that works best for you and your budget. If you are interested in purchasing, or have any questions about marine crew insurance, life & health insurance, travel insurance, expatriate insurance, property & casualty insurance, or ocean marine insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com.

The promise of an amazing benefit is great, but what happens when you try to use that benefit and experience resistance? That seems to be happening more and more when it comes to low-cost insurance plans. When buying insurance, a person is buying an intangible promise. With that mindset, one can see why low-cost insurance is rarely ever low-cost.

Can’t Have Good, Quick, and Cheap

Ever hear the saying you can’t have your cake and eat it to? Typically, with anything in life, you get what you pay for. Consumers are constantly trying to save money any way they can on products or services they buy. However, depending on the product or service, a good “deal” can quickly turn into an absolute nightmare. Low-cost insurance plans are no different. Consumers can expect to receive delayed quotes, slow service, claims issues, and that’s just the tip of the iceberg.

You’ll Pay for It Later

Saving money on premium doesn’t always mean that you’re saving money overall! Many times, those who opt for cheaper insurance end up paying more in the long run because of a lack of coverage that was unknown to them when trying to use their insurance, or even worse, no coverage at all. Imagine being involved in an emergency situation that ends up with you being in the hospital, the last thing you want to be worrying about in that moment is being stuck with the entire hospital bill which could end up being tens of thousands of dollars.

Possibility of No Service

One trend that has popped up as of late are insurance companies offering cheap plans to grow their business. However, businesses can’t afford to continue to operate on low margins, so the customers are the ones who end up suffering. Having a plan with great benefits, but no service when actually trying to use it results in disappointment for the consumer.

Consumers vs. Insurance Companies

Insurance companies are usually very large, so going toe to toe with one is no easy task if you have a dispute with the plan that you have purchased. Even if the consumer is completely in the right about a particular claim or situation, the costs and time involved can be substantial. It is for this reason that you really need to do your research and choose the best plan for your needs, not just the cheapest.

Use a Broker!

Insurance Brokers often get a bad reputation but using a broker can help you avoid situations like this. For one, the majority of brokers are well-versed with the ins and outs of the insurance industry and can help you avoid a negative trend that you may otherwise know nothing about. Not to mention, brokers work for you! Brokers typically operate at no extra cost to you as it would be if you went straight to the insurance company to get your plan. 

Having proper insurance is important in every aspect of life. Whether you are at sea needing international coverage, looking for proper life insurance coverage, going on a vacation, etc. MHG is your specialized broker. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about marine crew insurance, travel insurance, U.S. life and health, expatriate insurance, or property and casualty, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com.

Let’s face it group insurance plan comes at a price, and there is a reason many smaller businesses with less than 50 employees elect not to offer a group plan since it is not required. However, not having a plan in place immediately makes your business less competitive when it comes to attracting the best talent to help you succeed. So, what if I told you that there are several options out there that can help you save money when it comes to offering your employees insurance benefits?

Fully-Insured vs. Self-Insured/Level Funded

Most groups with less than 100 employees are covered through Fully-Insured plans as it is the most traditional method of coverage. The premium paid to the insurance carrier is a fixed rate for the year based on the number of employees enrolled. The carrier is responsible for paying all claims while the covered member is responsible for paying copays, coinsurance and deductibles based on the plan benefits. Fully-Insured rates are based on the demographic make of the group (census), changes to that census, comparative rates within a geographic area and industry, and to a smaller degree the claims experience of the members. Any group with 2 or more employees will qualify for Fully-Insured plans (Groups with two employees cannot be a married couple).

Level Funded plan options are becoming increasingly common as more carriers are offering them, and more employers are seeing the advantages. Let’s be clear, not all groups qualify; acceptance is mainly based on the employees’ medical claims history, and carriers require a minimum participation higher than Fully-Insured. Level Funded plans are filed with the Department of Financial Services as “Self-Funded”. A true Self-Funded plan has an arrangement where the employer provides health care to the employees using the company’s own funds. Level Funded follows the same concept, but there is a stop loss in place for each employee on the plan to prevent any liability for the employer. A portion of the premium paid on a Level Funded plan is saved in a funding “pool” which is used to pay claims. After an employee uses a certain amount of the claims fund (amount varies depending on the carrier) stop loss kicks in and the carrier takes over the payment of claims for that employee for the remainder of the year removing that exposure from the employer’s remaining funding pool.

What Are the Advantages of Level Funded?

On average a business spends 7% to 9% of its budget on employee health care. If your group qualifies for Level Funded plans, it is possible that the rates may be better than Fully-Insured when comparing similar plan options. Yes, you can get money back at the end of the year! Carriers typically offer the group a specified percentage of the unused amount left from your funding pool at the end of the year. The reimbursement percentage varies depending on the carrier, and in some instances can be as much as 94%, which can be a significant amount. Carriers may also include additional features on a Level Funded plan not included on Fully-Insured options.

Are There Any Shortfalls on a Level Funded Plan?

Level Funded plans follow the federal mandate as it relates to continuation of coverage. Groups with 20 or more employees will be eligible for federal COBRA. Most Level Funded plans will not administer State Continuation (mini COBRA) for employers with less than 20 employees, this means these employees will not be eligible to continue coverage upon leaving employment.

Another area that may affect some employees is dependent coverage. In some states, such as Florida, Fully-Insured plans will allow dependent children to be covered up to age 30, while Level Funded plans will remove dependent children at age 26, which is the federal mandate. In addition, some benefits offered on Fully-Insured may not be offered on Level Funded.

What Option Is Best for Me?

MHG Insurance Brokers is a powerhouse team of experts specializing in Employee Benefits for small to medium sized groups. With a stellar 5-star Google review rating and an exceptional 96% client retention rate in our Employee Benefits Division, we possess the expertise the expertise to conduct a comprehensive analysis of your current plan's offerings. Our goal is to recommend a customized Employee Benefits package that maximizes your benefits while minimizing costs. Even if you don't currently have a group plan, we've got you covered! Our team can present a proposal for your group that may pleasantly surprise you. If you are ready to secure top-notch Employee Benefits, reach out to us at 954-828-1819 or visit our website at mhginsurance.com.

Have you ever found yourself in a situation where your health insurance refuses to cover a certain medical bill that you thought would be covered? Bills such as visits to a provider who was once in your network, and without notice was removed from the network is a prime example. Sometimes mistakes are made, and just because your insurance carrier denies your claim, doesn’t always mean that you will be left to foot the bill. There are steps that you can use to take action and try to ensure that you will receive the coverage that you have been paying for. By filing an appeal or disputing a health insurance claim, you can hopefully change the outcome.

Internal Appeal vs. External Appeal

There are different types of appeals processes. You can use an internal appeal where your insurance company will review the case and make the decision. If the internal appeal process does not work you can use an external appeal where an independent third party will review and then have the power to make the decision, meaning the insurance company will not have the final say.

Ask for Help!

We are here to help you! Being insurance brokers, we work for you, not the insurance company. We protect you best interest and help you in any way we can. Many times, we have the relationships built, know the loopholes, and have past cases that are similar that we can use to help get a favorable response.

Don’t Take No for an Answer

Sometimes, the insurance company’s representative on the phone is simply following their basic protocol. The agent may not have the authority to make decisions beyond there guidelines, so ask for their supervisor. If the supervisor doesn’t give you a positive answer, ask for the department that can escalate your case for review.

Reach Out to Contacts

We reach out to contacts at your insurance carrier. Sometimes, relationships can help you get the answer you want to hear or point you in the right direction. Also, our relationships with people at the insurance company may benefit you in the form of exceptions for your case. Some of our contacts have that authority. Remember, sometimes it’s who you know! If that’s not enough, we ask about filing an appeal. Identifying similar cases may help in finding a loop hole or scenario that you can benefit from. This can determine the likelihood of getting an approved appeal.

Be Patient

Disputing a health insurance claim is a lengthy process. It can take up to 90 days to conduct the appeal, so patience is a virtue.

Prevention

The best way to avoid disputing a claim is to read your policy and the updates that are sent to you. Do your research and learn exactly what you have coverage for, who is in your network, etc. If your doctor recommends a procedure, you will be better prepared to ask questions.

Sometimes there are things in your plan that you don’t understand, or words that you have never heard before. If you any questions about your plan, contact us at 954-828-1819 or visit us online at mhginsurance.com. 

You’re fired! Two words no one wants to hear. Losing your job is a reality that some of us may have to deal with one day, whether we like it or not. The main reaction of someone losing their job is questioning where their income is going to come from. How will I pay the bills? How will I buy food? With careful planning, should that day arise, you would have saved some money and created a safety net for yourself until you land another job. Even with savings set aside to cover the necessities, one thing that is sometimes put on the back burner is a loss of benefits offered by your employer. We have some options you may want to consider.

COBRA/State Continuation

If you loved the coverage that your employer offered, there is good news. You may be able to keep your plan through COBRA continuation coverage. COBRA is a federal law that was implemented to let you pay to keep you and your family on your employer’s health insurance after your employment has been terminated. This applies to employees of companies that employ 20 or more employees. State continuation sometimes called mini Cobra in essence serves the same purpose which is to extend employer coverage after separation. Main difference is Cobra is a federal program while state continuation is mandated by the state. It is good to note that this is only for a limited time, usually a maximum of 18 months. Also, you typically pay a higher premium than the one you were paying while employed because your employer is no longer contributing towards your premium.

Marketplace

If you have lost your job for any reason, whether you were laid-off or you quit, you can buy a plan from the healthcare marketplace. Now I know what you’re thinking, the marketplace is only open during open enrollment. However, losing your job qualifies you for a Special Enrollment Period. This gives you the opportunity to purchase a plan that is acceptable under the Affordable Care Act (ACA), thus keeping you from paying an extra tax/penalty the following year for not having proper insurance. You may also qualify for tax credits and subsidies based on a number of factors.

Short-term Medical Plan

If you lose your job in the middle of the year, you still have some time before open enrollment begins. This will leave a gap in your medical coverage, which not only leaves you unprotected, but also liable to pay the healthcare tax. If you don’t want to purchase an ACA private healthcare plan, you can purchase a short-term medical plan which can give you coverage for up to one year. Though you should know, short-term medical plans do not meet the minimum benefit requirement and will not prevent you from paying a penalty.

Spouse’s Insurance

If your spouse or domestic partner’s company offers health insurance as a benefit, there is a good chance that they offer the same coverage to you. You may have to pay more than they do in order to be on their plan, partly because employers are required by law to cover 50% of the insurance premiums for employees and 0% for spouses even though they may choose to pay more.

MHG has the insurance specialists to advise and assist you in choosing the best health insurance that suits you, your family, or your group. Our team of brokers have the experience to get you the coverage that fits you and your budget. If you are interested in reviewing your health insurance options, please contact us at 954 828 1819 or visit our website at mhginsurance.com.

FORT LAUDERDALE, FLORIDA (February 27, 2018)- MHG Insurance Brokers announced today that Account Executives Nadia Bedasse-Francis and Tom Nickerson have been promoted to managerial positions within the U.S. Life & Health Division. With plans to continue growing the Life and Health Division, Nadia will now move into a Business Development Manager role, while Tom will now serve as a Manager in the U.S. Life & Health Division.

Prior to taking on these new roles, Nadia and Tom both served as Account Executives working side by side managing accounts, looking for new business, assisting clients with claims, and much more. In these new roles, Nadia and Tom will be able to focus on their strengths, which will allow MHG to continue to grow and operate more efficiently. This will help existing clients knowing who their point of contact should be, and prospective clients having their needs met.

“We are excited about the changes being made within our Life and Health Division” said Edward “Mole” Telfer, MHG’s Cruise Division Director. “At MHG, our number one goal is always a positive customer service experience, and we are proud to say that we are second to none in that regard. These strategic moves will only strengthen our expertise, which in turn will strengthen our clients’ experiences.”

MHG Insurance Brokers has been providing insurance guidance and solutions since 1991. The company has established an unrivalled reputation for providing quality insurance products that meet clients’ coverage requirements and budget.

About MHG Insurance Brokers

Established in 1991 in Miami, Florida, MHG Insurance Brokers is an independent, global, full-service insurance brokerage and consultative facility. Through its extensive relationships with international underwriting markets, MHG develops and provides a full range of employee benefits, risk mitigation programs, property and casualty insurance and financial services all supported by comprehensive attention to service support for all of our clients. In the marine community, MHG is well known for its expertise in the Maritime Labour Convention (MLC 2006) and developing MLC-aligned crew insurance solutions. In the U.S., MHG provides group and individual employee benefits along with advice on federal regulations regarding the Affordable Care Act. For more information about MHG Insurance Brokers and the services we provide, please visit mhginsurance.com.