Bernardini & Donovan Insurance Services

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What Types of Medicare Advantage Plans are Available?

Medicare Advantage plans are alternatives to traditional fee-for-service Medicare. The plans are sponsored by the federal Medicare program, which pays private health insurance companies to administer and provide coverage to those eligible for Medicare. In other words, Medicare coverage is provided by an insurance company like Humana or United Healthcare rather than directly from the Centers for Medicare and Medicaid Services. There are several types of Medicare Advantage plans from which to choose: 1. Health Maintenance Organizations or HMOs. These plans require beneficiaries to select a primary care doctor who manages all healthcare needs. Services from specialists require a referral from the primary care doctor before the plan will pay benefits. 2. Preferred Provider Organizations or PPOs. These plans include a number of in-network providers who charge a lower co-payment than providers outside the network. 3. Private Fee-for-Service Plans or PFFSs These plans allow beneficiaries to go to any Medicare-approved

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The Value of an Agent When Finding the Right Large Group Health Insurance Plan

The value of an agent is apparent when you need answers to questions concerning large group health insurance plans and policies. A reputable agent doesn’t just sell you a policy. They explain it in the finest detail so you understand exactly what you are getting for your money. Your agent is the one you contact when you have to file a claim or if you need to update your policy. When the insurance company has questions concerning an accident or health claim, your agent is the one who acts on your behalf to make sure all of your insurance needs are meant. Large group health insurance policies are designed to provide the best possible coverage for individuals who are part of a specific group. Because several people are subscribing as a unit, the cost of coverage can be dramatically reduced. If you have any questions concerning insurance coverage for large

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Buying Group Health Insurance for Small Businesses — Why You Need an Agent

Purchasing group health insurance can be a rather intimidating task for any small business owner. This is especially true when you try to do it all on your own without any help. However, the process can be made a lot easier and less daunting when you decided to let a professional agent assist you in choosing the right group health insurance plan for your small business. The value of an agent is hard to sum up in just a few words or even a couple of sentences. For starters, an agent sells insurance plans for multiple insurance companies, which means they have a variety of options at their disposal. At the same time, however, some agents may only sell for one or two insurance companies and can actually offer a lower premium cost. Agents can help ensure that you pick the right small group health insurance in regards to cost,

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How an Agent Can Help You Navigate Through the SHOP Exchange

Individuals who are interested in understanding the benefits of having a small group health insurance plan should talk to an agent that specializes in the SHOP Exchange. Customers will quickly learn the value of an agent when they begin considering the many insurance options that are available through the Exchange. Agents who work with the Exchange are familiar with the different policy variations can work with small groups who are looking to purchase the right type of health insurance. For more information about health plans for small or large groups of people, contact the reputable agents of Bernardini & Donovan Insurance Services. They can answer your questions and find the right health insurance plan to meet your group’s individual needs. The company’s agents specialize in servicing the needs of both large and small groups. If you or your group needs assistance navigating the SHOP Exchange, call their office today and speak

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Latest News on Large Group Health Insurance

When it comes to the Affordable Care Act changes are coming not only for those on individual plans but group plans as well. New projections are showing that up to 80 million Americans that previously had group health insurance plans provided by their employers may be without coverage as of January 1, 2014. The ACA is requiring many changes to the minimum levels of coverage that must be offered as part of a health insurance plan. This means a more comprehensive plan for employees and family members that are covered by each plan. Unfortunately, many small businesses may be unable to provide the new minimum levels of benefits because the cost may be too great. Individuals and families that become affected by the loss of group benefits must then find coverage through the health insurance marketplace. Many individuals that are navigating through the ACA enrollment period have recently learned the

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Covered California Deadlines Nearing

Important deadlines for the Affordable Care Act are just around the corner. It’s not only the ACA deadlines that California residents should be aware of but another deadline in the quest for proper health insurance coverage is creeping up as well. Covered California Deadline is Approaching If you are a California resident who wants to be eligible for coverage through the ACA you need to be enrolled with Covered California by December 23, 2013 for a January 1, 2014 effective date.   Many of the people who have submitted applications have not fully completed enrollment only 85,000 of the 385,000 people who submitted applications have completed the process and chosen a coverage plan. Consumers have until March 31 to sign up without paying a penalty.   Not purchasing coverage by this time will mean an entire year without any sort of health care insurance and the possibility of being charged a penalty

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