Bernardini & Donovan Insurance Services

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how your coverage can help with mental health

How Your Coverage Can Help With Mental Health 

How Your Coverage Can Help With Mental Health Mental Health is getting a lot more attention by our society than before. In previous generations, if someone was having a hard time with something, they were encouraged to ignore it or think about something else. If you’ve ever struggled with mental health, then you know that it is not as simple as that. But we see a change in the way that people are responding to not only their own but others mental health needs. One of the most significant shifts came when Mental Health Parity Acts were passed. This is a law that states that health care plans cannot limit the care provided for mental health over physical health care. In the state of California, we have the California Mental Health Parity Act which states that “Health care service plans or insurance plans must cover care for persons with “severe

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Talking about mental health

Talking About Mental Health?

Talking About Mental Health? Our society is quick to talk about how we need to take good care of our physical health. It has not always done the same service to mental health. Mental health encompasses your physiological, emotional, and social well being. Mental health has historically had a stigma in our society. People didn’t know much about it, didn’t talk about it or looked down on people who had a mental illness. However, things are beginning to change. In this blog, we wanted to cover what some of the potential signs are if you or someone you love are experiencing mental health problems. Mood Changes  These are rapid shifts in how you feel throughout the day. You may be fine one minute and actively experience an opposite emotion the next. Drop in Functioning and Withdrawal This includes a drop in functioning at work, school, sports, social activities or anything

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hard hitting flu season

A Hard Hitting Flu Season

A Hard Hitting Flu Season If you’ve been reading the news recently, you’ve most likely seen some articles about this year’s flu season. California is counted in one of the most affected states in the nation. The state officials look at how serious a flu season is based upon the deaths of people under the age of 65. Unfortunately, people over the age of 65 are highly susceptible to the flu, and it does lead to many deaths each year. At the time of this article being written, we have seen 36 deaths in Los Angeles County and 91 deaths in San Diego County. Those numbers are up from last year.   Why are we seeing such high death numbers due to influenza this year? Because of the activity of the strain of the H3N2 virus which provides symptoms which are much more severe. While symptoms may be very similar

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Heart Health

Small Changes to make for Heart Health

Small Changes to make for Heart Health In this blog, we want to cover some changes that you can implement to help with your heart health. Our previous blog covered just how much heart disease affects Americans and also how deadly it is. Almost half of Americans today are at risk for heart disease, and many participate in a lifestyle that puts them at higher risk such as poor diet, no or little physical activity, smoking, excessive alcohol use, and obesity. So here are some excellent tips if you want to help lower your risk of heart disease   Eat a balanced diet with lots of colors A balanced diet consists of lots of vegetables, fruits, whole grains, lean meats and low-fat dairy products. Two diets that are highly recommended are the DASH diet or the Mediterranean diet. Both are noted to be a more balanced approach to dieting allowing people to

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American Heart Month

American Heart Month

American Heart Month February is American Heart Month! Your heart is one of the most important organs you have because it keeps everything else working properly. Not taking care of your heart can lead to some serious health risks. Here are some statistics taken from heart.org* on where our country stands on taking care of their hearts.   220.8 per 100,000:  The overall rate of death attributable to Cardiovascular Disease, based on 2014 data. On average, someone died of Cardiovascular Disease every 40 seconds. That is about 2,200 deaths of CVD each day. More than 65% of US adults have 2, 3, or 4 criteria at ideal cardiovascular health, with ≈20% adults within each of these categories. At any age, females tend to have more metrics at ideal levels than do males. Blacks and Hispanics tend to have fewer metrics at ideal levels than whites or other races. 85.7 million, or 34.0%

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Stay Current

Good Questions To Ask Yourself During Open Enrollment

Good Questions To Ask Yourself During Open Enrollment Looking at what health insurance you need can be an overwhelming process. Sometimes you only look at one aspect, like the monthly cost, and find yourself with huge out of pocket bills to pay later. If you are looking to enroll or re-enroll in Covered California this month, these are some good questions for you to ask yourself.   Do you like your current plan? Over the last year have there been any situations that you did not expect to happen with your level of insurance? Or did you have any unexpected bills? Were you happy with your doctor and the care of service provided to you and your family? It’s good to look and see if there were any pain points over the last year. If you know what you didn’t like, you can see if there are any easy ways

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