Bernardini & Donovan Insurance Services

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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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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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