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How an Agent Can Help You Navigate Through the SHOP Exchange

December 23, 2013 No Comments

Individuals who are interested in understanding the benefits of having a small group health insurance plan should talk to an agent that specializes in the SHOP Exchange. Customers will quickly learn the value of an agent when they begin considering the many insurance options that are available through the Exchange. Agents who work with the Exchange are familiar with the different policy variations can work with small groups who are looking to purchase the right type of health insurance. For more information about health plans for small or large groups of people, contact the reputable agents of Bernardini & Donovan Insurance Services. They can answer your questions and find the right health insurance plan to meet your group’s individual needs. The company’s agents specialize in servicing the needs of both large and small groups. If you or your group needs assistance navigating the SHOP Exchange, call their office today and speak

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Latest News on Large Group Health Insurance

December 18, 2013 No Comments

When it comes to the Affordable Care Act changes are coming not only for those on individual plans but group plans as well. New projections are showing that up to 80 million Americans that previously had group health insurance plans provided by their employers may be without coverage as of January 1, 2014. The ACA is requiring many changes to the minimum levels of coverage that must be offered as part of a health insurance plan. This means a more comprehensive plan for employees and family members that are covered by each plan. Unfortunately, many small businesses may be unable to provide the new minimum levels of benefits because the cost may be too great. Individuals and families that become affected by the loss of group benefits must then find coverage through the health insurance marketplace. Many individuals that are navigating through the ACA enrollment period have recently learned the

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Covered California Deadlines Nearing

December 13, 2013 No Comments

Important deadlines for the Affordable Care Act are just around the corner. It’s not only the ACA deadlines that California residents should be aware of but another deadline in the quest for proper health insurance coverage is creeping up as well. Covered California Deadline is Approaching If you are a California resident who wants to be eligible for coverage through the ACA you need to be enrolled with Covered California by December 23, 2013 for a January 1, 2014 effective date.   Many of the people who have submitted applications have not fully completed enrollment only 85,000 of the 385,000 people who submitted applications have completed the process and chosen a coverage plan. Consumers have until March 31 to sign up without paying a penalty.   Not purchasing coverage by this time will mean an entire year without any sort of health care insurance and the possibility of being charged a penalty

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Nothing Says More About a Company Than Testimonials!

December 12, 2013 No Comments

The following is a testimonial from one of our wonderful clients: “Bernardini & Donovan has assisted our law firm with our health insurance needs for almost a decade.  Right from the start, they impressed us with their efficient and professional manner.  Their customer service is top notch and their staff is knowledgeable and experienced.  They have consistently taken the time to answer our questions, address our concerns, and search for the best possible coverage to fit our needs while looking for competitive rates. I sincerely appreciate all the assistance they have offered our firm and would highly recommend their services to anyone.”  – Megan B.

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Individual and Family Health Insurance: The Value of Using an Agent

December 9, 2013 No Comments

With 2014 just around the corner, and everyone being required to have health insurance or pay a fine, many individuals all over the country are trying to figure out the best plan for them and/or their family. Unfortunately, it’s no easy task with so many different insurance companies and health insurance plans out there. Because of this, many are turning to a professional agent for help. Why would someone need the help of an agent? An agent can be very helpful when trying to find the best health insurance plan, especially when you’ve never shopped for insurance before or are not very familiar with insurance terms. The value of an agent is truly indescribable. You see, when you purchase individual health insurance from your place of employment, there is an individual on-site that can answer any questions you have. A professional agent can do the same when you are purchasing

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Purchasing Insurance Through Individual Insurance Storefronts

November 18, 2013 No Comments

Insurance storefronts are similar to most other retail businesses only the companies sell insurance instead of an actual product. Individuals meet with licensed insurance agents who can assess their situation and determine the type of policy and coverage that would be most beneficial for their circumstances. A reputable agent can tell you what policies you qualify for and what you need to do to get signed up for coverage. They will explain all fees, deductibles and expenses associated with your policy. In some cases, a storefront agency also works through exchanges. The agent can help you get signed up for the insurance plan you are eligible for and make sure you have all of the coverage for your particular needs. Bernardini & Donovan Insurance Services is a full service insurance agency located in Redlands, CA. Its staff of reputable agents can answer all of your questions concerning health insurance and what

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