Mar Insurance | Central & South Florida
- vortiz@mar-insurance.com
- Serving Central and South Florida
Employee Benefits·Central & South Florida·Since 1998
Carriers we work with, solutions we deliver
- UnitedHealthcare
- Blue Cross Blue Shield
- Aetna
- MetLife
- Guardian
- Aflac
- Humana
- Level-Funded Plans
- Self-Funded Plans
- Captive Strategies
- PBM Management
- ACA Compliance
- COBRA & ERISA
- Voluntary Benefits
- Group Medicare
What We Do
Benefits strategy,
built around your business.
Every plan starts with the problem you’re trying to solve. Here’s where Florida employers most often need us.
Renewal came in high again?
01
Benchmarking and claims analytics that shape a plan around your workforce and budget, not just this year’s lowest quote.
- Health
- Dental
- Vision
- Life
- Disability
- Long-Term Care
Tired of shopping rates every single year?
02
Alternative funding and pharmacy strategies that stabilize costs over the long term, with tax-advantaged accounts to support them.
- Level-Funded
- Self-Funded
- Captives
- PBM Management
- FSA / HSA / HRA
Want richer benefits without raising your costs?
03
Employee-paid coverage at group rates that fills the gaps and lets your people build the package that fits their lives.
- Accident
- Critical Illness
- Hospital Indemnity
- Gap
- Legal
- ID Theft
Key people you can't afford to lose?
04
Benefits that reward and retain leadership and help your team plan for what comes after work.
- Key-Person
- 401(k)
- Group Medicare Supplement
- Group Medicare Advantage
Buried in compliance deadlines and enrollment paperwork?
05
A dedicated expert keeping you compliant and penalty-free, with the technology that makes enrollment and HR admin simple.
- ACA Compliance
- ERISA · COBRA · HIPAA
- Enrollment & New Hires
- Employee Navigator
- Mineral
Employees stuck on claims and billing issues?
06
Year-round help for your team when claims or coverage questions come up, plus wellness programs that support a healthier workforce.
- Year-Round Plan Support
- Employee Advocacy
- Claims Help
- Corporate Wellness
- Employee Education
Victoria Ortiz
Founder, since 1998
Who We Are
Built from the ground up.
Still personal after 28 years.
Victoria started as a receptionist at a property and casualty agency and learned every side of the business. She saw that employers needed more than a rate quote, so she built a benefits department that grew as large as the P&C side. In 1998, she founded MAR Insurance Group.
Victoria has served on the board of a major insurance carrier and lobbied alongside national brokers in Washington, D.C. for health care reform. She knows how the system works from the inside, and she puts that knowledge to work for her clients. What she loves most is learning how each client’s business really works, and then finding innovative solutions no one has shown them before. Today MAR serves small, mid-size and large Florida employers, and some of our clients have been with us since the very beginning.
“We cater to our clients, not the carriers.”
Victoria Ortiz, Founder
- Independent since 1998
- Carrier board experience
- Health care reform advocate
- Results, not empty promises
- Member of International Foundation of Employee Benefit Plans
The Beginning
Started at the front desk
Victoria began as a receptionist at a P&C agency and learned every side of the business.
The Opportunity
Built a benefits department
She saw what employers were missing and built a benefits practice that grew as large as the P&C side.
1998
Founded MAR Insurance Group
An independent brokerage built on one idea: work for the client, never the carrier.
Today
Clients since day one
Small, mid-size and large employers across Florida, including some who have been with us from the start.
Case Studies
Real challenges.
Measurable results.
Other brokers shopped rates. We found the root cause. Here’s what that looked like for three Florida employers.
- Miami, FL
18%
lower overall benefit costs in the first renewal year
The Challenge
Rising premiums and high claims were straining the budget. The previous broker just shopped rates every year.
Our Approach
A full claims and demographic analysis, a redesigned plan with a better network match, wellness incentives and voluntary benefits at group rates.
- Employees rated the new plan higher
- Lower claim frequency
- HR says it's “like having an extra benefits specialist on staff”
- Greater Orlando
40 → 110
employees, with costs kept on a controlled path
The Challenge
Rapid growth created compliance complexity and made it hard to compete with larger firms for talent.
Our Approach
A benefits strategy rebuilt from the ground up, with key-person coverage, customizable voluntary options and open-enrollment support.
- Faster time-to-hire for key roles
- Higher voluntary benefit participation
- A multi-year partnership for renewals and questions
- Central Florida
Full
ACA compliance for a seasonal, part-time workforce
The Challenge
Low enrollment across multiple properties put the company at risk of ACA penalties.
Our Approach
A workforce and eligibility review, simpler materials, enrollment sessions built around shift schedules and more affordable plan options.
- Significantly higher benefits participation
- Reduced penalty risk and admin burden
- Ongoing compliance tracking, year after year
How We Work
A clear path from first conversation
to long-term partnership.
No surprises and no fine print. Here’s what working with MAR Insurance Group looks like.
Discovery
We learn how your business runs, who your people are, and what is and isn’t working in your current plan.
Analyze
Claims analytics and benchmarking show where your money is really going and how you compare to similar employers.
Strategize & Negotiate
We design the right plan and funding strategy, then negotiate directly with carriers using detailed underwriting data.
Enroll & Support
Clear employee communication, smooth enrollment, then year-round help with claims, HR and compliance, not just at renewal.
Your Next Step
It all starts with
one conversation.
Tell us what’s not working with your current plan, whether it’s cost, compliance or coverage, and we’ll show you what’s possible.
Prefer to call?
What to expect
A free review of your plan
We look at your costs, claims and renewal, not just your rates.
Straight answers
Clear options and a recommendation, with no pressure.
A fast response
Our team gets back to you quickly, every time.
Virtual appointments
Meet with us by video, whenever it fits your schedule.
FAQs
Questions?
We've got answers.
Don’t see your question here? Call us at (800) 373-9677 or request a free consultation and we’ll walk you through it.
What makes MAR different from other benefits brokers?
We work for our clients, not the insurance carriers. Many brokers simply shop rates at renewal. We dig into your claims, benchmark your plan and fix what’s actually driving your costs. Our founder has served on the board of directors of major insurance carriers, so we know how the system works from the inside, and we use that knowledge for you.
What size businesses do you work with?
We work with employers of nearly every size, from groups of 2 to 5,000 employees. Since 1998 we’ve helped small, mid-size and large Florida businesses build benefit packages that fit their budget and their people. Some of our clients have been with us from the very beginning.
Can you lower our costs without cutting benefits?
Often, yes. Instead of just changing carriers, we look at alternative funding strategies such as level-funded, self-funded and captive plans, along with pharmacy (PBM) management and smarter plan design. For one manufacturing client, this approach cut overall benefit costs by 18% in the first renewal year.
What is a level-funded plan, and is it right for us?
A level-funded plan lets you pay a steady monthly amount, like a traditional plan, but if your group’s claims come in lower than expected, you may get money back. It can be a strong fit for healthy groups that want more control over costs. We’ll review your data and tell you honestly whether it makes sense.
Can you help us stay compliant with ACA, ERISA and COBRA?
Yes. We guide you through ACA reporting, ERISA, COBRA and HIPAA requirements so you stay penalty-free and audit-ready. We also support enrollment, new hires and terminations, and offer HR technology tools like Employee Navigator and Mineral to take paperwork off your plate.
Will switching to MAR disrupt our current plan?
No. Changing brokers doesn’t change your coverage. A simple broker-of-record letter lets us step in and start working for you, and your employees keep their current plan until you decide to make changes. We handle the transition details.
Do we need to meet in person?
No. We offer virtual appointments that fit your schedule. Our office is in Winter Park, and we serve employers across South and Central Florida.
Do you help individuals and families too?
Yes. We help individuals, families and the self-employed with Marketplace (ACA) and off-Marketplace health plans, short-term coverage, dental and vision, and supplemental plans like accident, critical illness and hospital indemnity.