Bernardini & Donovan Insurance Services

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What The ACA Reforms Mean For Children

Health Insurance for Children With the recent twists and turns of the Affordable Care Act, there have been many changes to health insurance. While most people talk about how this will affect the health insurance needs of adults, not many people think about how it can help children. The Affordable Care Act has made it easier than ever for children to be covered with the right health insurance policy. In order to sign up for health insurance, adults have to wait for an open enrollment period or have a qualifying life event. However, children are able to get covered with the right health insurance plan at any point in the year through Medicaid and the Children’s Health Insurance Program, also known as CHIP. Both federal and state programs offer low cost or free health care to children, which help to bring the number of uninsured children to record lows. Many private health insurance

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How To Take Advantage of Free Preventive Care

Free Preventive Care Under the Affordable Care Act, all health insurance policies that are purchased through the Marketplace allow people to have access to free preventive care. These preventive care options are meant to keep people healthy to help them avoid trips to their doctor and pricey medications. While they are known as free preventive care services, they are not really free. They are paid for by your insurance company with the money that you pay each month for your premiums. However, there is no out of pocket costs for you when you need these services, meaning you can never be charged a copay, deductible, or coinsurance. There are many different services that are part of free preventive care, including immunizations, cholesterol and blood pressure screenings, depression screening, and oral health and vision screenings for children. There are also preventive services that are available to women, including prenatal care and

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How An Independent Insurance Agent Can Benefit You

Benefits of an Independent Insurance Agent Trying to find the right health insurance policy can be very stressful. With all of the health care policies available, it can be difficult to ensure that you choose the right policy. Working with an independent insurance agent can help to make the process much easier. There are many benefits of working with an independent insurance agent, including: Independent agents work for you – while an independent agent’s paycheck comes from the insurance company that they belong to, they actually work for you not the company. They will put all of your interests above the insurance company that they work for, which will help to ensure that you will always be able to get the help that you need. They are able to offer more options – independent insurance agents work with many different affiliates, which allows them to offer you a variety of choices. With

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New Special Enrollment Period For Health Insurance

Health Insurance Special Enrollment Period If you missed out on signing up for health insurance during open enrollment, do not worry! The Federal government has recently announced that they are opening a special enrollment period for those who were not able to sign up for health insurance during open enrollment. This special enrollment period runs from March 15th to April 30th and is the last time that you will be able to sign up for health insurance coverage for 2015. While this special enrollment period only applies to the 37 states that are covered through the federal marketplace, state-run exchanges are expected to follow. In order to qualify for the special enrollment period, people will have to prove that they only became aware of the tax penalty for not having health insurance when they were filing their taxes. While the special enrollment period will not reverse the fine for not having health

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We Can Help You Find The Right Health Insurance Policy

Why You Should Work With Bernardini & Donovan At Bernardini & Donovan Insurance Services, we understand that finding the right health insurance policy can be confusing and difficult, which is why we are here to help. We strive to simplify all of the health care needs of each of our clients to ensure that you and your loved ones are able to get the perfect health care coverage to fit your specific needs. Health care has been brought to the forefront of the insurance world thanks to the passing of the Affordable Care Act. All of our licensed agents and brokers have years of experience in the health care world, and are here to help you find the right policy to ensure that you have the right amount of coverage. No matter if you are looking for a policy to just cover you, or are looking for coverage for all

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Special Enrollment Period Is Now Open

Forgot To Sign Up For Health Insurance? Special Enrollment Period Is Now Open! It is not too late to sign up for health insurance! Even though the open enrollment period ended on February 15th, Covered California and the Federal government are offering a new special enrollment period for those who were not able to sign up for health care coverage during open enrollment. In order to qualify for the special enrollment period, you must prove that you were not aware of the tax penalty for not having health insurance in 2014, or that you may now be facing a penalty for not having health insurance during the beginning of 2015. The special enrollment period opened on March 15th, and will stay open until April 30th to give people the chance to sign up for health coverage. It is important to keep in mind that while you now have a chance to

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