certified covered california agent | Bernardini & Donovan

November 5, 2014September 8, 2016

3 Advantages Of Teaming Up With A Health Insurance Agent!

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 process, and can help you overcome any speed bumps you may encounter.
Many individuals take less than 15 minutes to evaluate their options for a plan, and settle before thoroughly understanding how their decision could affect their life. An agent will not let you make this hasty, and unwise decision.
Health insurance agents have years of experience with health care, and are familiar with scenarios where an individual’s coverage was not enough. They can use this expertise to guide you in the right direction, and ensure you are not taking any risks.

You need a certified and experienced insurance agent to guide you through the process. Their assistance can help you to avoid overpaying for your plan, or having to settle for less coverage than you need. Never sacrifice coverage for price when collaborating with an agent! Please reach out to the experienced insurance professionals at Bernadini & Donovan Insurance for any assistance you may need.

October 29, 2014September 8, 2016

Open Enrollment 2015: Where To Start?

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 15^th is to qualify for a Special Enrollment Period.
Your current health coverage will end on December 31^st of 2014 if it was purchased prior to November 15^th, 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 15^th of November.
Be prepared to answer questions regarding your income, current health plan, how many individuals are in your household, and more.
After your application has been filed, you will be presented with the coverage options that you are eligible to take advantage of.
Once you have evaluated your options, you should select the plan that best suits your lifestyle.
Your next and last step is to enroll in the plan of your choice, and to pay your first premium before the payment is overdue.
Get in touch with one of one of our certified Covered California agents here at Bernardini & Donovan Insurance Services to help you through the process!

We hope that these tips have proven useful to you! For any additional answers to your health insurance questions, contact the insurance professionals at Bernardini & Donovan Insurance Services, located in Redlands! We cannot wait to assist you, today!

October 22, 2014September 8, 2016

How To Prep For Open Enrollment 2015!

Before we know it, November will be nipping at our heels! Along with November comes Open Enrollment 2015! It is time to start thinking about your health insurance needs. During this time, you have the opportunity to adjust your current health insurance policy, or purchase a new one altogether. Being prepared for open enrollment now, will lead to less stress headaches come November. Here are a few things to think about before next month rolls around:

Be prepared to have the addresses for every individual that will be covered under your policy.
You will need to have your social security number on hand.
If you are a legal immigrant, you should have your immigration documents handy.
Be prepared with your pay stubs or W-2 forms to verify your employment and income status.
Try to find an estimate of your household income for the last year.
Be equipped with the insurance policy of your existing health coverage.
If you or anyone in your household is eligible for an employer-sponsored health plan, you should complete the employer coverage tool prior to open enrollment.
Make sure you know the start and end dates for open enrollment. The first day is November 15^th, 2014 and open enrollment ends on February 15^th, 2015. Make sure you do not miss any of the deadlines!
Contact your certified Covered California agent at Bernardini & Donovan Insurance!

If you still have questions about the open enrollment process, or your current health insurance, please contact the trusted agents at Bernardini & Donovan Insurance! We are located in Redlands, California, and are prepared to find you a comprehensive health plan that meets all of your needs. As healthcare continues to increase in price, so does your need for an advocate in the health insurance world. Let us be your advocate, and contact us, today!

December 13, 2013September 8, 2016

Covered California Deadlines Nearing

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 fee by the federal government.

For more information on the Affordable Care Act and Covered California deadlines please contact Bernardini & Donovan Insurance Services to speak with a certified Covered California agent today.

December 9, 2013September 8, 2016

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

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 on your own. An agent can help you fill out the initial application for health coverage and can even assist in filing of claims in the future. Should you be turned down for insurance from one company, an agent can assist you in the next steps – something you may otherwise not have known.

If you need assistance in choosing family or individual health insurance, contact Bernardini & Donovan Insurance Services to speak to a certified Covered California agent that can help ensure you choose the right plan for yourself and/or your entire family based on plan details, cost and your personal situation.

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