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Individual Health Insurance

There are so many benefits to having health insurance. From the simple fact that when you are feeling not at your best you have a place to go to get some care. Even having the peace of mind of knowing that when your baby won’t stop coughing you have an expert at hand who will give you everything you need to take care of your little one. But did you know that there are many additional benefits to your health insurance besides your basic doctor visits, prescription drugs and hospital care.

  • Online access – How many times have you lost your ID card and need to call to get a new one mailed to you. With online access you can print out a new ID card immediately. You can also see your claims, changed doctors, and never be on hold for over an hour again. You can do all of these and more online.
  • Gym Membership – Many insurance companies are now offering gym memberships, discounts on gym membership or even reimbursement on a gym membership if you check in a certain number of times at the gym per month. They may also offer discounts on gym equipment. So if you are looking to invest in an elliptical or a treadmill check to see if you get a discount.

  • Diet plans – You may find a discount on certain weight loss and diet plans such as Weight Watchers, Jenny Craig or Nutrisystem.

  • Homeopathic Medicine – more insurance programs are covering homeopathic remedies such as acupuncture or chiropractic care. If they don’t completely cover it they may also offer to add it on for a small fee.
  • 24 hours nurse care – small children always seem to get every cold that is out there. And with this service you can call a nurse hotline and get advice if it is enough of an emergency situation to go to urgent care or emergency room.

  • Employee Assistance Program – get financial advice for today or for your future financial planning.

  • Mental Health – Talk to someone via telephone as well as in person visits if needed.

Health insurance costs are continuing to go up but there are other benefits available to you that adds to the value to your health insurance plans.

Health Insurance Special Enrollment Period

If you missed out on signing up for health insurance during open enrollment, do not worry! The Federal government has recently announced that they are opening a special enrollment period for those who were not able to sign up for health insurance during open enrollment. This special enrollment period runs from March 15th to April 30th and is the last time that you will be able to sign up for health insurance coverage for 2015. While this special enrollment period only applies to the 37 states that are covered through the federal marketplace, state-run exchanges are expected to follow.

In order to qualify for the special enrollment period, people will have to prove that they only became aware of the tax penalty for not having health insurance when they were filing their taxes. While the special enrollment period will not reverse the fine for not having health care, it will give people a chance to get the right health care plan for their needs.

Under the Affordable Care Act, everyone is required to have a health insurance plan, or face a financial penalty. However, many people were not aware of the penalty for not having health insurance until they started filling out their tax return for 2014.

The government also recently accounted that the wrong information to help calculate whether they received too much or too little of a subsidy for last year was sent out to 800,000 people. People who have been affected should have already been notified by phone or email, and need to wait to file their taxes until they receive a new 1095-A form, which was sent out in early March.

For all of your health insurance needs and to ensure that you have the right amount of health care under Covered California, contact Bernardini & Donovan Insurance Services in Redlands, California.

Why You Should Work With Bernardini & Donovan

At Bernardini & Donovan Insurance Services, we understand that finding the right health insurance policy can be confusing and difficult, which is why we are here to help. We strive to simplify all of the health care needs of each of our clients to ensure that you and your loved ones are able to get the perfect health care coverage to fit your specific needs.

Health care has been brought to the forefront of the insurance world thanks to the passing of the Affordable Care Act. All of our licensed agents and brokers have years of experience in the health care world, and are here to help you find the right policy to ensure that you have the right amount of coverage. No matter if you are looking for a policy to just cover you, or are looking for coverage for all of your employees, we are here to help.

At Bernardini & Donovan Insurance Services, we do more than just find you the right insurance policy. We work to build strong and long lasting relationships with each of our clients to ensure that they are comfortable talking about their policy and asking any questions that come up about the coverage that their policy provides.

With expertise in Group Health Insurance, California Health Insurance, California Life Insurance, and Long Term Care, we can help you find the policy that best meets your needs.

Contact Bernardini & Donovan Insurance Services in Redlands, California for all of your health insurance needs and to ensure that you invest in the right amount of coverage.

Forgot To Sign Up For Health Insurance? Special Enrollment Period Is Now Open!

It is not too late to sign up for health insurance! Even though the open enrollment period ended on February 15th, Covered California and the Federal government are offering a new special enrollment period for those who were not able to sign up for health care coverage during open enrollment.

In order to qualify for the special enrollment period, you must prove that you were not aware of the tax penalty for not having health insurance in 2014, or that you may now be facing a penalty for not having health insurance during the beginning of 2015. The special enrollment period opened on March 15th, and will stay open until April 30th to give people the chance to sign up for health coverage.

It is important to keep in mind that while you now have a chance to sign up for health coverage if you are not already enrolled in a plan, the special enrollment period will not get rid of any penalties that you already have to pay. To attest that you did not know about the penalty for not having coverage, you must select “Informed of Tax Penalty Risk” on the drop down menu on the Covered California website.

In addition to the special enrollment period, there are other qualifying life events that may help to qualify you for a special enrollment period. Some of the most common qualifying life events include getting married or divorced, having or adopting a child, or moving to a state that does not offer the same health care plan that you are currently enrolled in.

For all of your health insurance needs and to ensure that you have the right amount of protection, contact the health insurance professionals at Bernardini & Donovan Insurance Services in Redlands, California.

Understanding Eligibility Of The Special Enrollment Period

With the deadline for the second Obamacare open enrollment period now in the rear view mirror, many individuals who failed to obtain health insurance before the deadline will soon be receiving penalties in the mail. Due to the enactment of the Affordable Care Act, each and every one of us is now required to obtain health coverage or receive a penalty.

If you want to avoid penalties, you must obtain health insurance. However, there is one way out of this requirement: the special enrollment period. The special enrollment period provides an individual with varying circumstances a second chance at enrolling for health care. However, you must experience one of the many qualifying life events in order to be eligible for the special enrollment period.

Life events that may make you eligible to take advantage of the special enrollment period and avoid penalties include:

  • Getting married changes your tax situation and health care needs, so you can take advantage of the special enrollment period.
  • Likewise, having a baby, adopting a baby, and placing a child in adoption or foster care all make you eligible for the special enrollment period.
  • Do not fret if your existing health coverage drops or changes, as you will be able to obtain new health insurance during the special enrollment period.
  • Permanent moves that change your coverage area or coverage requirements allow you to obtain health insurance during the special enrollment period.
  • If your citizenship status changes you can obtain health insurance during the special enrollment period.

Rather than leaving yourself unprotected, seek the care you deserve today! Contact Bernardini & Donovan Insurance Services in Redlands for all of your California health insurance needs. As Covered California experts, you can rest assured that we will be your guiding hand in the realm of health insurance and health care.

Understanding Penalties Under Obamacare

Since fees were not implemented during the first trial of enrolling in the new health insurance marketplace, the first Obamacare open enrollment period proved to fall short of successful. However, now that enforced penalties mean that you will be faced with a fee if you do not have health coverage, it seems that many enrolled before February 15th passed.

If you failed to obtain health coverage before the open enrollment deadline passed, you will be faced with a penalty until the third Obamacare open enrollment period arrives. Therefore, it is important that you understand why you are being penalized and how much. Gathered are some helpful guiding points for determining how much your penalty for not enrolling for health insurance will be:

Failing To Have Coverage In 2015:

Two calculations are made to determine your penalty amount. Of the two below, you will need to pay the higher amount.

  • $325 per person in your household, $162.50 per child under 18 years old – The maximum penalty an entire family can be charged is $975.
  • 2 percent of your household annual income – In this calculation, the amount above your tax filing threshold is considered, approximating about $10,000 per individual. The most a family can be charged is the national average premium for a bronze plan.

Failing To Have Coverage In 2016:

Each year, the penalty for not obtaining health insurance will increase. You can expect the following increases in 2016 if you still do not have health coverage:

  • $695 per person in your household
  • 5 percent of your household annual income

Rather than leaving yourself unprotected, seek the care you deserve today! Contact Bernardini & Donovan Insurance Services in Redlands for all of your California health insurance needs. As Covered California experts, you can rest assured that we will be your guiding hand in the realm of health insurance and health care.

Your Update On Covered California’s Progress In The First Month Of Open Enrollment

The first open enrollment period in 2013-2014 ended up securing 1.2 million enrollees during its six-month period. With this year’s three month period, Covered California aims to keep the 1.2 million enrolled and add another half million of new enrollees. That means they are shooting to have 1.7 million Californians enrolled by open enrollment’s end date of February 15th, 2015.

It looks like they may get close to their goal, as between November 15th (the day this second, current period of open enrollment began) and December 11th 91,600 people who had previously not been enrolled signed up. This is a significant number considering that between November 15th and December 3rd the number of new enrollees was at just 48,950 and during the first month of open enrollment last year a mere 31,000 signed up.

If you are a current Covered California enrollee, you had until December 21st (extended from the original deadline of December 15th) to make changes to your plan, otherwise you will be automatically enrolled in another year of your current plan. If you are now eligible for Medicare, make sure you connect with an enrollment counselor or a certified Covered California agent to get un-enrolled from your current Covered California plan.

Whether you have a current Covered California health insurance plan or are planning to enroll for the first time, these next two months before open enrollment ends will be a critical time to secure the right coverage for you. After February 15th, if you are not properly covered under the new guidelines set forth by the Affordable Care Act, you become eligible for tax penalties.

Bernardini & Donovan Insurance Services, located in Redlands, California, offers expert services and superior care to make sure you are meeting the Affordable Care Act’s requirement and getting the best coverage for you and your family at the best prices. For all of your health insurance needs, contact us today!

What You Need To Know About The Current Open Enrollment Period

As the face of healthcare changes with the Affordable Care Act and Covered California, understanding how those changes affect you can feel overwhelming. You know that there are scary words like deadlines and penalty fees being thrown about, but do you know how to avoid them? That’s what we are here for! The experts at Bernardini & Donovan Insurance Services would like to offer you the following guide to the basics of the current open enrollment period.

When Is It?

The second (and current) open enrollment period for family and individual insurance plans began on November 15th, 2014 and ends February 15th, 2015.

What Is It?

Open enrollment is the period during which individuals, families, and small business can secure health insurance that will meet the new requirements implemented by the Affordable Care Act.

Do I Need To Sign Up?

Unless you have an exemption or are being provided with coverage by your place of employ- yes. Some “qualifying events” (e.g. moving to a new state, marrying, divorcing, having a baby) may allow you to push your deadline back, but to avoid extra hassle it is in your best interest to secure coverage during this period. If you do not, you can be eligible for a penalty fee.

Where Should I Go To Get Covered?

To be sure the policy you secure meets the Affordable Care Act’s guidelines, you should contact a certified Covered California agent. Bernardini & Donovan Insurance Services in Redlands, California can be your guide to the changing healthcare industry. Our team of experienced agents understands the new requirements and can help you make sure you meet them so you can avoid penalty fees. Contact us today to get great healthcare coverage at the right price!

Get The Coverage You Need By December 21st

If the hectic holiday season has made it difficult for you to secure the coverage you need this month, Covered California has a gift for you. Were you hoping to lock down coverage that will begin at the first of the year? If you have begun the application process, you will have until December 21st (rather than the original deadline of December 15th) to finish the application process.

Why the change? The executive director of Covered California, Peter Lee, says that a later date allows people some grace time for completing what he understands can be a complicated process for first-time users. Covered California knows that if you have never secured insurance before, you will want to sit down with a professional to help you understand the kind of coverage you need.

Meeting with a pro has been difficult for some people, and many enrollment counselors and insurance agents have been booked solid for the last couple of weeks. With hold times of nearly twenty minutes when calling a Covered California service center, the extra days until the deadline will make the sometimes time-consuming process of securing coverage less of a burden.

Whether you are one of the thousands of new enrollees (91,600 signed up between November 15th and December 11th) or are just looking to renew your existing policy, take advantage of these extra days to make sure you are getting comprehensive coverage for the lowest premiums.

To speak with a certified Covered California agent, contact Bernardini & Donovan Insurance Services, located in Redlands, today. Our team is committed to securing the best health insurance coverage for you at the most competitive rates in the industry. For all of your Southern California health insurance needs, connect with our team during this open enrollment period to get the peace of mind that comes with great coverage and avoiding Obamacare penalty fees.

When it comes to your health, you want to ensure that you will be protected no matter what unforeseen health problem may come your way. In order to do so, you must purchase a health care plan. It can be difficult to find a comprehensive plan that fits nicely into your budget. The Marketplace offers a variety of health care plans that benefit most individuals.

As of November, open enrollment 2015 is currently in session. Millions of Americans are navigating the Marketplace, attempting to evaluate their health care needs. The deadline by which you must select your health plan is February 15th, 2015. Even if you are well aware of this deadline, there is always the chance that life throws you a curveball, and you miss it. If this happens, what should you do?

First things first, do not stress! Here is some information about the Obamacare offseason that may put your mind at ease:

  • Do not cast away your incomplete application in despair! You should continue to complete your application, even if the deadline has passed. The administration has been known to make exceptions for special circumstances.
  • If you happen to have recently gotten married, divorced, or adopted a child, you may qualify for a special enrollment period.
  • Consider enrolling in Medicaid. There is no deadline for Medicaid enrollment.
  • If you were turned down for a special enrollment period, and believe that the decision was made unfairly, you can make an appeal. Visit the HealthCare.gov website to learn more about the appeal process.
  • Consider purchasing a health care plan through the private market.

For more information about open enrollment 2015, deadlines, or private health care plans, please contact a Certified Covered California agent from Bernardini & Donovan Insurance Services, located in Redlands California. We have the experience necessary to assist you with all of your health care needs.