Bernardini & Donovan Insurance Services

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Your Guide To Open Enrollment

What You Need To Know About The Current Open Enrollment Period As the face of healthcare changes with the Affordable Care Act and Covered California, understanding how those changes affect you can feel overwhelming. You know that there are scary words like deadlines and penalty fees being thrown about, but do you know how to avoid them? That’s what we are here for! The experts at Bernardini & Donovan Insurance Services would like to offer you the following guide to the basics of the current open enrollment period. When Is It? The second (and current) open enrollment period for family and individual insurance plans began on November 15th, 2014 and ends February 15th, 2015. What Is It? Open enrollment is the period during which individuals, families, and small business can secure health insurance that will meet the new requirements implemented by the Affordable Care Act. Do I Need To Sign

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Deadline Extensions With Covered California

Get The Coverage You Need By December 21st If the hectic holiday season has made it difficult for you to secure the coverage you need this month, Covered California has a gift for you. Were you hoping to lock down coverage that will begin at the first of the year? If you have begun the application process, you will have until December 21st (rather than the original deadline of December 15th) to finish the application process. Why the change? The executive director of Covered California, Peter Lee, says that a later date allows people some grace time for completing what he understands can be a complicated process for first-time users. Covered California knows that if you have never secured insurance before, you will want to sit down with a professional to help you understand the kind of coverage you need. Meeting with a pro has been difficult for some people, and

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I Missed The Open Enrollment Deadline! What Now?

When it comes to your health, you want to ensure that you will be protected no matter what unforeseen health problem may come your way. In order to do so, you must purchase a health care plan. It can be difficult to find a comprehensive plan that fits nicely into your budget. The Marketplace offers a variety of health care plans that benefit most individuals. As of November, open enrollment 2015 is currently in session. Millions of Americans are navigating the Marketplace, attempting to evaluate their health care needs. The deadline by which you must select your health plan is February 15th, 2015. Even if you are well aware of this deadline, there is always the chance that life throws you a curveball, and you miss it. If this happens, what should you do? First things first, do not stress! Here is some information about the Obamacare offseason that may

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4 Clear Advantages Of Working With A Broker During Open Enrollment 2015

November is in full swing, and you may be feeling the stresses associated with choosing the correct health care plan. Luckily, you do not have to go through this alone. The insurance professionals at Bernardini & Donovan Insurance Services in Redlands are here for you! We can help to alleviate some of the pressure, and make open enrollment much easier. Our brokers can assist you with navigating the Marketplace, and providing a number of additional benefits. Here are a few reasons why you should not attempt to steer through the complex open enrollment process without the assistance of a Certified Covered California Broker: Your insurance broker will be able to tell if you qualify for certain savings that you may otherwise be unaware of! The Marketplace is full of an overwhelming amount of information. Unless you are a health care pro, it will take you hours upon hours to fully

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“Metal Level” Insurance Categories: Explained!

Open enrollment 2015 is finally upon us! Now is the time to be consumed with thoughts of health care in order to financially prepare yourself for the future. If you are preparing for the important decision of selecting your new health plan, you are probably aware that there are a number of different insurance categories to choose from. The categories differ based on how medical expenses will be shared between you and your plan. Five main categories currently exist, and are known in the health care world as “metal levels”. The different levels take an individual’s monthly premium, coinsurance, copay, deductible, and out-of-pocket maximum into consideration. Here is a break down of the metal levels: With a bronze level plan, you will pay approximately 40%, while your health plan will cover 60%. In a silver plan, the costs are split into 70%, and 30%. You will pay the 30%, and

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Important Open Enrollment 2015 Deadlines!

2014 is quickly coming to a close! The middle of November has passed, which means we are in the midst of open enrollment season. If you have not already taken the time to evaluate your current, and future health care needs, now is the time to do so. Knowing what you do and do not need in a health plan will make the selection process much easier. In order to secure your new health plan, you need to make sure you meet the appropriate deadlines. You are only allowed to go 3 months with a gap in your coverage before you will be ordered to pay an expensive fine. In order to avoid this, and save yourself some time and money, familiarize yourself with these important dates: Open enrollment 2015 officially begins on November 15th of 2014. The final day to enroll for a health plan that will kick in on

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