Bernardini & Donovan Insurance Services

Blog & News

80/20 Rule

Did you know… about the 80/20 rule?

Did you know… about the 80/20 rule? We realize that many people may have health care but don’t know how the systems work or what their premiums are going to each month. We understand that life is busy and that you may not have all the time in the world to research and learn an argumentatively complex system of health care insurance and providers. So we thought that we would start a new series of posts focused on “Did you know…” With this blog, we will be looking at the 80/20 rule.   Did you know… that health insurance companies are required to spend a mandated amount on your healthcare? Insurance Companies are mandated to $.85 of every dollar on your Health Care.   This 80/20 rule is also referred to as Medical Loss Provision Ratio in the Affordable Care Act. The rule states for 80% of premiums collected must

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Healthcare in the News

Healthcare In the News – August Edition

Healthcare In the News – August Edition In the past month, we have seen some seriously dramatic news stories about our nation’s health care laws. Usually, dramas of that sort are kept to cable television, but maybe art does imitate life, especially as we watched the news coverage of the US Senate. If you have been living under a rock or just don’t enjoy listening to the news, let us give you a quick fly over. In May, the House voted to pass the ACHA which had a series of changes to our current Affordable Care Act. The Senate then decided to write their bill however they delayed the voting until they could work out their details within the Republican party. It failed to pass. Then a series of votes continued to try and repeal and possibly replace Obamacare. None of those passed either. The Republican party needed every representative

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Summer Sunshine Loving

Summer Sunshine Loving 

Summer Sunshine Loving  The longer I live, the surer I am that life is about trying to find a balance. Of course, sometimes balance can be defined as the split second that a pendulum swinging from side to side hits the equilibrium and then passes it to keep swinging. But regardless, I do feel like it is a worthy aspiration. Today, we will be looking at the benefits of spending time in the sun. A lot of the messaging that we hear today will point out the evils of the sun and sun exposure leads to skin cancer. I am in no way am I trying to deny this fact. But I do think there is a balance in finding the benefits of being in the sun and also appropriately not over doing our sun time.   Sun exposure helps with mild depression. Most of us have heard of SAD

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Summer Mythbusting

Summer Mythbusting (Part 2)

Summer Mythbusting (Part 2) In our last blog, we pointed out a few of the summer myths that we hear so often. Today we are picking that back up. We were surprised how many of these pieces of advice that we have been told our entire lives, but they simply aren’t true. You can’t get a sunburn on a cloudy day The myth: It’s an overcast day, and the clouds are blocking the harmful UV rays. The truth: We don’t know if anyone believes that clouds block the UV rays that cause sun burns.  But we do believe that people are way more likely to forget to put on sunscreen if the sun is not out. Even if there is cloud cover, you still need to put sunscreen on and use adequate coverage if you are out and about on a cloudy summer day. Wait 30 minutes after eating to

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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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