Bernardini & Donovan News | Bernardini & Donovan Insurance

4 Clear Advantages Of Working With A Broker During Open Enrollment 2015

December 5, 2014 No Comments

November is in full swing, and you may be feeling the stresses associated with choosing the correct health care plan. Luckily, you do not have to go through this alone. The insurance professionals at Bernardini & Donovan Insurance Services in Redlands are here for you! We can help to alleviate some of the pressure, and make open enrollment much easier. Our brokers can assist you with navigating the Marketplace, and providing a number of additional benefits. Here are a few reasons why you should not attempt to steer through the complex open enrollment process without the assistance of a Certified Covered California Broker: Your insurance broker will be able to tell if you qualify for certain savings that you may otherwise be unaware of! The Marketplace is full of an overwhelming amount of information. Unless you are a health care pro, it will take you hours upon hours to fully

“Metal Level” Insurance Categories: Explained!

November 28, 2014 No Comments

Open enrollment 2015 is finally upon us! Now is the time to be consumed with thoughts of health care in order to financially prepare yourself for the future. If you are preparing for the important decision of selecting your new health plan, you are probably aware that there are a number of different insurance categories to choose from. The categories differ based on how medical expenses will be shared between you and your plan. Five main categories currently exist, and are known in the health care world as “metal levels”. The different levels take an individual’s monthly premium, coinsurance, copay, deductible, and out-of-pocket maximum into consideration. Here is a break down of the metal levels: With a bronze level plan, you will pay approximately 40%, while your health plan will cover 60%. In a silver plan, the costs are split into 70%, and 30%. You will pay the 30%, and

Important Open Enrollment 2015 Deadlines!

November 21, 2014 No Comments

2014 is quickly coming to a close! The middle of November has passed, which means we are in the midst of open enrollment season. If you have not already taken the time to evaluate your current, and future health care needs, now is the time to do so. Knowing what you do and do not need in a health plan will make the selection process much easier. In order to secure your new health plan, you need to make sure you meet the appropriate deadlines. You are only allowed to go 3 months with a gap in your coverage before you will be ordered to pay an expensive fine. In order to avoid this, and save yourself some time and money, familiarize yourself with these important dates: Open enrollment 2015 officially begins on November 15th of 2014. The final day to enroll for a health plan that will kick in on

You Have Enrolled In A Plan, But Want To Switch…What Now?

November 12, 2014 No Comments

Being a first-time health care policy owner can be stressful, and confusing! What happens if you select a health plan, and then decide that you wish to change it? Are you out of luck, or is there something you can do? We are here to help answer your questions like these! Here are a few pieces of enlightening health care information: You are allowed to change your plan, as long as it falls within the open enrollment window, which spans from November 15th, 2014 to February 15th, 2015. There may be an overlap period where you will live with your previously selected health care plan before your second choice plan kicks in. It is smart to discuss this time period with an insurance agent who specializes in health care. To change your health plan during the open enrollment period, your first step should be to log into your online marketplace

3 Advantages Of Teaming Up With A Health Insurance Agent!

November 5, 2014 No Comments

With November on our tails, we will soon be consumed with thoughts of health coverage. The time has come to sit down, and critically evaluate our current and future health care needs. Finding the right coverage is an art of sorts. You want to make sure you can afford the plan, but that the plan will do its job in keeping you adequately covered. In order to master this art, you will need to team up with a health insurance agent. Here are just a few of the many reasons why this is a good idea: The open enrollment process is only a couple of years old. While many adjustments have been made to make online enrollment less challenging, it is not a guarantee that all individuals will not run into technical difficulties. A certified Covered California agent here at Bernardini & Donovan Insurance Services is well versed in the

Open Enrollment 2015: Where To Start?

October 29, 2014 No Comments

With open enrollment 2015 right around the corner, you may be stressed out, especially if this is your first time applying for health coverage. However, there is no need to fret! We are here to break down the process and help you understand the often-confusing subject of health care. Here are a few useful tidbits of information to help ease your mind: The only way to apply for health care before November 15th is to qualify for a Special Enrollment Period. Your current health coverage will end on December 31st of 2014 if it was purchased prior to November 15th, 2014. To apply online for health coverage, you will first need to make an account. Be prepared with a username and password that are secure, and memorable. You can begin filling out your application on the 15th of November. Be prepared to answer questions regarding your income, current health plan, how many individuals

Bernardini & Donovan Insurance Services

Blog & News

4 Clear Advantages Of Working With A Broker During Open Enrollment 2015

“Metal Level” Insurance Categories: Explained!

Important Open Enrollment 2015 Deadlines!

You Have Enrolled In A Plan, But Want To Switch…What Now?

3 Advantages Of Teaming Up With A Health Insurance Agent!

Open Enrollment 2015: Where To Start?

Recent Posts

Categories

let Bernardini & Donovan find the right plan for you

Bernardini & Donovan Insurance Services

Blog & News

4 Clear Advantages Of Working With A Broker During Open Enrollment 2015

“Metal Level” Insurance Categories: Explained!

Important Open Enrollment 2015 Deadlines!

You Have Enrolled In A Plan, But Want To Switch…What Now?

3 Advantages Of Teaming Up With A Health Insurance Agent!

Open Enrollment 2015: Where To Start?

Recent Posts

Categories

let Bernardini & Donovan find the right plan for you

Cookie settings