Business Details
Your Trusted Insurance Services Partner in Ridgeland, MS
Mississippi Health Care Insurance Services operates as a Mississippi licensed Insurance Producer Entity dedicated to managing specialized insurance programs for long-term care facilities. Our organization provides comprehensive administrative services including marketing, underwriting, claims management, loss control, and policy administration for self-insured funds and risk retention groups. Established through collaborative industry efforts, we maintain strict compliance with regulatory standards set by state insurance departments, workers compensation commissions, and federal agencies. Our team of experienced professionals delivers tailored risk management solutions, including workers compensation coverage through the MHCA SIF, group health benefits via the MHCA Employee Benefit Plan, and liability protection through CULIC.We demonstrate financial stability through independent audits showing proper funding and solvency across all programs, supported by conservative management practices and strategic reinsurance partnerships. Our board of trustees comprises industry professionals who ensure transparent governance and prioritize member needs while maintaining AM Best's A- Excellent rating for financial strength.
Services
Workers Comp SIF
Group Health EBP
Liability CULIC
LTCEIC
Claims Management
Loss Control
Risk Retention Groups
Reinsurance Services
Policy Administration
Regulatory Compliance
Highlights and features
- We offer 30+ years of experience managing Mississippi long-term care insurance programs
- Our AM Best A- Excellent rating demonstrates financial strength and stability
- We provide customized risk management solutions specifically for nursing home operators
- Our conservative management approach ensures long-term program sustainability
- We maintain comprehensive regulatory compliance across all insurance programs
Associations and certifications
- AM Best
Services
Workers Comp SIF
MHCA Self-Insurers' Fund provides workers compensation coverage specifically for Mississippi nursing homes and assisted living centers. Established in 1990, this member-owned trust offers competitive pricing through front-end discounts and dividend opportunities while maintaining AM Best's A- Excellent rating. Our program includes aggressive claims management, loss control services, and regulatory compliance support tailored to long-term care facilities.
Group Health EBP
MHCA Employee Benefit Plan delivers affordable health insurance options for long-term care facility employees. This ERISA Trust offers two coverage tiers meeting Affordable Care Act requirements, including prescription drug benefits and preventive care services. The plan helps facilities attract and retain quality staff while providing reimbursement options under Mississippi Medicaid law.
Liability CULIC
Caregivers United Liability Insurance Company provides professional and general liability coverage for long-term care facilities. This risk retention group offers policy limits ranging from $100K/200K to $250K/750K with deductibles starting at $15,000. Our program includes mandatory risk management workshops and claims-made policies with defense costs applied toward deductibles.
LTCEIC
Long Term Care Employers Insurance Company offers excess and stop loss coverage for affiliated insurance programs. This special purpose captive provides complementary protection for CULIC and MHCA SIF, helping maintain financial stability through layered risk management strategies while operating under South Carolina Department of Insurance regulation.
Loss Control
Our comprehensive loss control services help reduce workplace injuries and insurance costs through safety training, OSHA compliance assistance, and customized risk mitigation strategies. The program includes on-site consultations, incident report analysis, and transitional return-to-work planning specifically designed for the long-term care industry.
Questions
What insurance programs do you offer for Mississippi long-term care facilities?
We offer workers compensation coverage through MHCA SIF, group health benefits via MHCA EBP, professional liability insurance through CULIC, and excess coverage with LTCEIC.
How does your workers compensation program benefit nursing home operators?
Our MHCA SIF program provides competitive pricing, dividend opportunities, and industry-specific risk management services while maintaining AM Best's A- Excellent rating since 1990.
Are you affiliated with the Mississippi Health Care Association?
Yes, we're the official insurance services provider for the Mississippi Health Care Association, with programs exclusively available to its member facilities.
What makes your insurance programs different from traditional carriers?
Our member-owned structure allows direct participation in governance decisions, with conservative financial management ensuring long-term stability and cost-effective coverage solutions.
How do you help facilities maintain regulatory compliance?
We provide comprehensive compliance support including OSHA training, claims management, policy administration, and mandatory risk management workshops for all insured facilities.
What coverage options are available for employee health benefits?
MHCA EBP offers two plan tiers with different deductible structures, prescription drug coverage, and preventive care services meeting Affordable Care Act requirements.
