Services

Martin Insurance Group’s experts possess the in-depth experience and training in building, managing and monitoring your company's employee group insurance plans all year long. The ACA-Affordable Care Act subjects employers to multiple exposures and potential fines. MIG’s compliance team conducts full audits to assure our clients are protected from costly fines and penalties due to easily overlooked non-compliance mistakes. We invite you to join the long list of employers that choose to work with a professional, ethical and high touch service oriented team at Martin Insurance Group, LLP. Call us for a no-obligation initial consultation.

NOTICE OF PRIVACY POLICY
Martin Insurance Group, LLP is committed to providing insurance products and services designed to meet your needs. We are equally committed to respecting your privacy and protecting the information about you that we may receive. We have prepared this notice to advise you what information we collect, how we use it and how we protect it.

WHAT INFORMATION WE COLLECT
As an essential part of our business, we obtain certain personal information about you in order to provide a financial product or service to you. Some of the information we receive comes directly from you on applications or other forms, and may include information you provide during meetings and from the carriers who insure you. The types of information we receive may include addresses, social security numbers, family information, current and past medical history and solely for insurance underwriting, funding and rating purposes.

WHAT INFORMATION WE DISCLOSE
We do not disclose nonpublic personal information about our current or former customers to any non-affiliated entity, except as permitted by law. Examples of the disclosures which we are permitted by law to make include: disclosures necessary to service or administer an insurance or annuity product that you requested or authorized; disclosures made with your consent or at your direction; disclosures made to your legal representative; disclosures made in response to a subpoena or an inquiry from an insurance or other regulatory authority; disclosures made to comply with federal, state or local laws and to protect against fraud.

OUR PRIVACY PROTECTION PROCEDURES
We protect information about you from unauthorized access. Our employees and agents receive training regarding our privacy policies, and access to information about you is restricted to those individuals that need such information in order to provide products and services to you. Examples of activities requiring access to personal information include: underwriting; claims processing; reinsurance and policyholder service. Finally, we employ secure technologies in order to safeguard transmission of information about you through our web sites, and we have established and maintain procedures to comply with all state and federal laws and regulations regarding the security of personal information.

The Changing Face of ACA & Penalties for Non Compliance

The Affordable Care Act Law is over 2,000 pages long. During the past 9+ years numerous areas of the law have been revised or reinterpreted. This means that while some employers may think they are in compliance, in the event of an IRS Audit, they would soon find out they are not. If you current broker has left it all on your table, then you are an IRS audit waiting to happen. In contrast, this is something we take very seriously and take extensive steps to make sure our clients are protected and educated on. This leaves no room for mistakes or for insurance agents that do not have the expertise in employee benefits, which leaves you expose. Why take a chance and risk thousands of dollars in potential fines when you can choose the services of a proven team of experts? You wouldn’t ask an optometrist to operate on your child’s heart would you?

Helpful Links

NAHU – National Association of Health Underwriters
www.nahu.org/
TAHU – Texas Association of Health Underwriters
www.tahu.org/
SAAHU – San Antonio Association of Health Underwriters
www.sanantonioahu.org/
Healthcare.gov - Affordable Care Act facts and Registration
www.healthcare.gov/
Medicare Official Site
www.medicare.gov/
SSI Administration
www.SSA.gov/
AGC – Associated General Contractors of San Antonio
www.sanantonioagc.org/