Bernardini & Donovan Insurance Services

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Summer Mythbusting

Summer Mythbusting (Part 1)

Summer Mythbusting (Part 1) The summer season is in full swing. Being from Southern California, we will most likely continue to feel the summer heat well into September. Every year you eventually, begin to hear advice or life hacks to survive the summer. But some of these pieces of advice are dead wrong! So here is a blog about which summer myths have been leading you astray: You can catch a cold from air conditioning: The myth: You’re in your nice chilled office or storefront, and then you go outside to the scorching heat. Your immune system just can’t keep up with the two extremes back to back leading to you getting sick. The truth: You can’t catch a cold unless bacteria or a virus is present.  However, you will want to ensure that your air conditioning is not a breeding ground for bacteria. Changing your filters is key! But

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Healthcare in the News

Healthcare in the News – July Edition

It’s hard to write a blog about healthcare in the news when it’s consistently changing. While I sit here and type out these words, I am watching a Senate “vote-a-rama” as the news media is calling it. It’s a live video stream watching the Senate as they debate and discuss healthcare in America. There are still many questions about what is happening with our health care system.  But here is what we do know. On Tuesday, the Senate voted to debate the repeal of Obamacare. The Senate was split down the middle, but the deciding vote came from Vice President Mike Pence as he voted in the affirmative to pursue the debate.  This would start the discussion of what legislation the Senate would vote on. Those options being a Repeal and Replace Obamacare option, a Repeal Only option or the Skinny Bill. Almost immediately the Senate voted no on the

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Value of Health Insurance

Value of Health Insurance

Value of Health Insurance Having health insurance provides real tangible benefits. It also provides more abstract benefits. With any insurance that you are purchasing you are essentially investing in your peace of mind. There are always What-if’s that run through our minds. But insurance promises to be something that will help you if any of those scary what if’s come to pass. You get in a car accident – you have insurance for that. Your loved one passes away – you have insurance for that. You get sick – you have insurance for that.   Health insurance comes with mandated benefits as well. Every insurance plan that you can purchase will include: Outpatient care Emergency services Hospitalization Mental Healthcare Prescription drugs Rehabilitative services Laboratory Services Preventive Care Pediatric Services. Some plans that you purchase can have more services. But under the Affordable Care Act, which is still the law, though

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The Power of Giving

The Power of Giving

The Power of Giving One can find many quotes about giving: “The best way to find yourself is to lose yourself in the service of other.” – Mahatma Gandhi   Or maybe you’ve heard this one: “We make a living by what we get; we make a life by what we give.” – Winston Churchill   The fact of the matter is that giving changes something inside of us and changes the world around us. But how can this one simple act create that much change?   Scientists have started to study the biological changes in humans through the act of giving. Darwin’s survival of the fittest would initially lead one to believe that as humans we are not intrinsically designed to give or nurture. But that is not the case. Studies have shown that when a person gives their money willingly that the prefrontal cortex of the brain lights

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How To Stay Young Part 2

How To Stay Young – Part 2

How To Stay Young – Part 2  In our previous blog, we discussed some basic ways to help your health and to keep your body working as well as possible. But we just scratched the surface. Below you will find some more helpful tips to keep your body working and youthful. Stop overeating  This piece of advice comes from centenarians – yup, that’s people who are living into their 100’s. One common factor that these centenarians have is that they do not overeat. Overeating was considered wasteful, so many of them eat until they feel 80% full. At that point, they stop. They have developed an excellent system to actually understand their body’s cues of when they are hungry and when they are not. Wine is your friend The key to this piece of advice is moderation! Drinking too much leads to a whole host of problems. But wine has

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How to Stay Young

How To Stay Young

How To Stay Young Our society seems to hate the idea of aging. We see it in the countless hours of ads and commercials spent on selling gray-b-gone hair color, under eye serums and every type of cream to get rid of marks, blemishes or discolorations. This blog is not being written in the hopes of selling you any such miracle treatments. However, We do want to talk about some small habits you can take on to help you feel younger or to help your body age better. Don’t Stress Stress has a way of eating away at you. When you worry and stress there are actual physical changes in your body that can accelerate the aging process. Work out your mind Have you heard the term use it or lose it? That applies here! Even in children, there are studies that show that over the summer break children lose

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