Business Details
Your Trusted Insurance Partner in Ridgeland, MS
Mississippi Health Care Insurance Services is a Mississippi-licensed Insurance Producer Entity dedicated to providing comprehensive management services for specialized insurance programs. Since our inception, we have focused on delivering tailored solutions for long-term care facilities through conservative, experience-driven management practices. Our team of seasoned professionals oversees critical functions including underwriting, claims management, loss control, and policy administration, ensuring compliance with rigorous regulatory standards set by the Department of Insurance, Workers Compensation Commission, and other governing bodies. We maintain strict financial discipline, evidenced by independent audits confirming the solvency and stability of all our programs.Our board of trustees and management staff, composed of industry experts, prioritize transparency and accountability in all operations. Through strategic reinsurance partnerships and proactive risk management, we safeguard the interests of our participants while maintaining AM Best's highest rating for SIF Workers Compensation companies. Our commitment to continuous improvement is demonstrated through ongoing safety initiatives, educational programs, and innovative premium payment plans designed to optimize cash flow for healthcare providers.
Services
Workers Comp SIF
Group Health EBP
Liability CULIC
LTCEIC Coverage
Risk Management
Claims Administration
Loss Control Programs
Premium Payment Plans
Highlights and features
- We offer 30+ years of specialized insurance expertise for Mississippi healthcare providers
- Our AM Best A- Excellent-Stable rating ensures financial security and reliability
- We implement conservative management practices with transparent governance structures
- Our team includes 35+ year workers' compensation specialists and industry veterans
- We provide customized premium payment plans to optimize cash flow for healthcare facilities
Associations and certifications
- AM Best
Services
Workers Comp SIF
The MHCA Self-Insurers' Fund provides workers' compensation coverage specifically for Mississippi long-term care facilities. Established in 1990, this program offers competitive pricing through front-end discounts and dividend opportunities. Our experienced team manages claims aggressively while maintaining a 29.3% loss ratio across 31 years, supported by AM Best-rated financial stability and comprehensive loss control programs.
Group Health EBP
Our Employee Benefit Plan offers two medical coverage options for long-term care employers. Option A maintains grandfathered status under ACA with lower deductibles, while Option B provides ACA-compliant preventive care at reduced premiums. Both plans include prescription coverage, preventive services, and flexible payment structures to help facilities attract and retain qualified staff through competitive benefits packages.
Liability CULIC
Caregivers United Liability Insurance Company provides professional and general liability coverage for Mississippi long-term care facilities. This risk retention group offers policy limits from $100K/200K up to $250K/750K with deductible options. Our underwriting emphasizes facility safety standards and staff quality, supported by mandatory risk management training and active claims prevention committees to maintain A.M. Best A- Excellent rating.
LTCEIC Coverage
Long Term Care Employers Insurance Company offers complementary excess coverage for our primary insurance programs. As a Special Purpose Captive, LTCEIC provides stop-loss protection for workers' compensation and liability plans, enhancing overall risk management strategies. Licensed through South Carolina, this program ensures additional financial security for participating healthcare providers through customized reinsurance solutions.
Loss Control Programs
Our comprehensive loss control initiatives include OSHA training, transitional return-to-work plans, and individualized safety assessments. The program features monthly premium payments, resident lift equipment guidance, and quarterly loss reporting to prevent workplace injuries. With 35+ years of workers' compensation expertise, our team develops customized safety protocols that reduce claims frequency and improve overall workplace safety compliance for long-term care facilities.
Questions
What insurance programs do you offer for Mississippi healthcare providers?
We offer Workers' Compensation (SIF), Group Health (EBP), Professional Liability (CULIC), and excess coverage (LTCEIC) programs specifically designed for Mississippi long-term care facilities.
How does the Workers' Compensation SIF program benefit nursing homes?
Our SIF program provides cost-effective coverage with front-end discounts, dividend opportunities, and specialized loss control services. With 30+ years of experience, we maintain a 29.3% loss ratio and AM Best A- rating for financial stability.
What group health insurance options are available for employees?
We offer two ACA-compliant options: Option A (grandfathered plan with lower deductibles) and Option B (full preventive benefits at reduced premiums). Both include prescription coverage and flexible payment structures.
How are insurance premiums calculated for your programs?
Premiums are determined by facility size, risk profile, and claims history. We offer monthly, quarterly, or annual payment plans with 25% escrow deposits, and our SIF program includes premium adjustment mechanisms based on actual payroll data.
What risk management resources are available to policyholders?
We provide OSHA training, safety workshops, individual loss control programs, and mandatory risk management compliance. Our CULIC program includes daily incident report reviews and four active safety committees led by industry professionals.
