Bernardini & Donovan Insurance Services

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when to see a doctor

When to see a Doctor

When to see a Doctor Whenever you start to get that scratchy throat or a runny nose; there’s always a moment that you have to decide if it’s time to go to the doctor or wait it out. Do your symptoms need to be treated with some antibiotics or is your immune system strong enough to fight it? If you go to the doctor and get drugs that you don’t need you can be contributing to an antibiotic immunity. However, if you have a bacterial cold, antibiotics will help cut your time sick quickly. So when do you know that you need to go to the doctor? You should go to the doctor if you…. Have a high fever.  For adults, a low-grade fever ranges around 100.8. But if you are experiencing a temperature of 102 or higher, than it is likely that your body is fighting off something that

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when to change your plan

When to change your plan

When to change our plan Its July now, and for many of us, we have had our current health insurance plans for seven months out of the year. This timeline has walked us through flu season, allergy season and an extended enough period to get a good read on whether or not your current health insurance plan is a good fit. At this time of year, we always recommend going back over your year and checking off your health needs.How many times did you need to go to Urgent Care? How many times did you go to the Emergency Room? How many times did you need to visit a specialist? How many times did you need to visit your doctor? Was there any unexpected change to your health this year? Were there any diagnoses that would potentially need extended lasting care? All of these questions can have a significant impact

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health insurance

Nip it in the bud

Nip it in the bud In the winter we expect to get a cold. It seems to come with the territory. We all get flu shots and hope that we don’t get too sick during that whole season. But when summer hits and you get a cold, it seems to be even worse. This is the season to be on vacation and outside enjoying the warmth. Instead, you’re inside feeling miserable. Actually, it’s not just the sense of injustice that makes summer colds worse; it’s also the virus itself. In summer the enterovirus is more active and its symptoms include runny nose, headache, cough, upset stomach, and body aches. One of the best ways to beat the summer cold is to nip it in the bud before it turns into a full-blown thing. Here are a few ways that you can help keep your immune system strong during the summer:

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kids are insurance coverage

Your Kids are Covered

Your Kids are Covered We care about our kids. It’s a natural response. There is something instinctive that kicks in to protect and provide for our children. One of the ways that we want to provide for our kids is to ensure that they have access to see the doctor. Not only when they come home with a rattling cough, but also for yearly check-ups and immunizations. We want them to have access to a dentist for regular check-ups and to ensure that if they have any cavities that they are being addressed now and not turning into a more significant issue. But in wanting to provide all of this for our children, we can run into problems of finances and health insurance coverage. If you are having a hard time providing insurance coverage for your children, there are some options available to you.   Medi-Cal and CHIP These programs

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college students & healthcare

What College Students Need to know about Healthcare

What College Students Need to know about Healthcare College is an exciting season in one’s life. You are embarking on your first steps of adulthood and walking into higher learning. For many, it is the first time they had to do their laundry or figure out a budgeting system. Baby steps people. One aspect that isn’t discussed that often is a college student’s need for health insurance. It is just as important as getting your textbooks or making sure that your schedule has no early morning classes. While college students do tend to be in the best stages of their health, many incidents can happen during college years that make health insurance a necessity. You can never predict when there may be an accident and you get hurt. Health insurance does help pay for any doctor’s visits for a cold, and it can help pay for mental health care and

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IEHP vs. Molina

IEHP vs. Molina 

IEHP vs. Molina If you live in the Inland Empire and have needed access to health care but because of your income have had a hard time affording specific marketplace plans you may have come across IEHP or Molina. Both of these institutions are here for the same reason, to provide health services to people regardless of their socioeconomic status. Here’s a little bit more information on each of these companies. IEHP: “Inland Empire Health Plan (IEHP) is a not-for-profit Medi-Cal and Medicare health plan headquartered in Rancho Cucamonga, California. We are the largest health plan in the Inland Empire, and one of the fastest-growing health plans in the nation. With a network of more than 6,000 Providers and 2,000 Team Members, we provide comprehensive managed health care coverage to more than 1.2 million residents of Riverside and San Bernardino counties. “ https://ww3.iehp.org/en/about-iehp/ IEHP is known for their large selection of

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