Bernardini & Donovan Insurance Services

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Qualify Medicare

Understanding Eligibility and Enrollment for Medicare in 2022

 Overview:  Learn what Medicare requirements are needed, and if you have to pay a premium for coverage in 2022 “When the calendar flips to 2022, certain Medicare costs will creep higher.” This is what CNBC says about 2022 Medicare costs. Generally, Medicare eligibility takes into consider three main factors: age, ability, and health. This is still the case for 2022 coverage. People age 65 or older, younger people with disabilities, and people with End Stage Renal Disease (permanent kidney failure requiring dialysis or transplant) have automatic access to Medicare. You’ll automatically qualify for Medicare Advantage (Part C) once you qualify for Part A and Part B coverage. Advantage plans are sold by private companies to cover some of the out-of-pocket costs Medicare does not cover. For individuals who don’t fall under any of the categories listed above, eligibility and enrollment would differ. What to Know About Medicare:  Medicare has two

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Retirement Health Care Costs: Expectations, Preparation, & More

 Overview: How to plan for health care costs when retiring, including how much the average retiree should save. Did you know that health care is expected to be one of the largest expenses in retirement for Americans? This comes right after housing and transportation costs (and those are no light expenses). The reason health care costs are likely to consume a larger portion of the average American's retirement budget is because, unlike previous generations, those retiring today likely won't have access to employer- or union-sponsored retiree health benefits. Related: How to Plan for Rising Health Care Costs However, this doesn't mean that you can't plan for your retirement health care costs. Even though health care continues to be one of the largest expenses in retirement, there are certain decisions that factor into how you prepare to meet these expenses pre- and post-retirement such as: When to stop working When to
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Covered California 2022

A Guide to Covered California in 2022 (Changes + More)

The American Rescue Plan New and expanded financial help for Californians Preliminary rate increase for California’s individual market Californians will have two or more choices (up to four) If you live in California then you’ve likely heard the term Covered California, a free service that connects Californians with brand-name health insurance under the Patient Protection and Affordable Care Act. Individuals can get financial help with a purchase of health insurance from well-known companies. That means when you apply, you may qualify for a discount on a health plan through Covered California, or get health insurance through the state’s Medi-Cal program. While you can find more information about Covered California on the official CoveredCA website, we want to focus on recent and upcoming changes Californians can expect, taken directly from Covered CA News. Related: Covered California Announces 2022 Plans: Full Year of American Rescue Plan Benefits, More Consumer Choice and Low

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How to Close Out Open Enrollment for Individual & Family Health Plans

Overview: Individuals and families can understand what steps to take to properly close out a health insurance plan.  Open enrollment is a period of time each year when you can sign up for health insurance or change your plan, but sometimes circumstances might prompt an individual to close out their plan. With open enrollment, you have the option to keep your current health insurance if you are satisfied with your coverage. However, open enrollment is also an opportunity to remove yourself from a plan if it’s been provided by an employer and you no longer want the coverage. Related: What Are Your Options During Open Enrollment  Reasons People Want to End Open Enrollment : There are a number of reasons why you might decide to cancel your health insurance plan. Maybe you started a new job and are now eligible for the company’s better coverage. Perhaps you recently turned 65 and now

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