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Bernardini & Donovan Insurance Services

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We Can Help You Find The Right Health Insurance Policy

March 26, 2015 No Comments

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

March 17, 2015 No Comments

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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Understanding Changes To The Small Business Health Care Tax Credit

March 12, 2015 No Comments

Preparing Your Small Business For Tax Season With tax season just around the corner, small business owners must consider whether or not they will be taking advantage of the small business health care tax credit. New changes surrounding the small business health care tax credit mean that you simply cannot sign off on the paperwork from last year. To ensure that you are in complete understanding of your responsibility in regards to this tax credit, allow the following informational points to guide you: Starting in 2014 and continuing to following years, the maximum tax credit increases to 50 percent of paid premiums for small business employers. However, the maximum tax credit increases to 35 percent of paid premiums for small tax-exempt employers. In order to be eligible for the small business health care tax credit, you must pay premiums on behalf of your team that has enrolled in a qualified

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Do You Qualify For The Special Enrollment Period?

March 5, 2015 No Comments

Understanding Eligibility Of The Special Enrollment Period With the deadline for the second Obamacare open enrollment period now in the rear view mirror, many individuals who failed to obtain health insurance before the deadline will soon be receiving penalties in the mail. Due to the enactment of the Affordable Care Act, each and every one of us is now required to obtain health coverage or receive a penalty. If you want to avoid penalties, you must obtain health insurance. However, there is one way out of this requirement: the special enrollment period. The special enrollment period provides an individual with varying circumstances a second chance at enrolling for health care. However, you must experience one of the many qualifying life events in order to be eligible for the special enrollment period. Life events that may make you eligible to take advantage of the special enrollment period and avoid penalties include:

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I Forgot To Enroll For Health Insurance – Now What?

February 26, 2015 No Comments

Understanding Penalties Under Obamacare Since fees were not implemented during the first trial of enrolling in the new health insurance marketplace, the first Obamacare open enrollment period proved to fall short of successful. However, now that enforced penalties mean that you will be faced with a fee if you do not have health coverage, it seems that many enrolled before February 15th passed. If you failed to obtain health coverage before the open enrollment deadline passed, you will be faced with a penalty until the third Obamacare open enrollment period arrives. Therefore, it is important that you understand why you are being penalized and how much. Gathered are some helpful guiding points for determining how much your penalty for not enrolling for health insurance will be: Failing To Have Coverage In 2015: Two calculations are made to determine your penalty amount. Of the two below, you will need to pay

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Choosing Health Coverage For Your Small Business

February 19, 2015 No Comments

Understanding The SHOP Marketplace Small business owners across the country have been experiencing change as they are now legally required to comply with new regulations and requirements under the Affordable Care Act. Since the world of health insurance and health care has transformed completely, choosing the right small business health insurance plans to best protect your team is more challenging. If you missed the open enrollment deadline on February 15th and are beginning to panic since you have not properly set up your small business plans, do not fret! We can still write you a policy for your small business. A unique entity known as the Small Business Health Options Program (SHOP) Marketplace allows small business owners to obtain the coverage they are required to offer their team, despite missed deadlines. When utilizing plans offered in SHOP, you have the luxury of avoiding restricted enrollment periods and offer deadlines. There

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