Bernardini & Donovan Insurance Services

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Nothing Says More About a Company Than Testimonials!

The following is a testimonial from one of our wonderful clients: “Bernardini & Donovan has assisted our law firm with our health insurance needs for almost a decade.  Right from the start, they impressed us with their efficient and professional manner.  Their customer service is top notch and their staff is knowledgeable and experienced.  They have consistently taken the time to answer our questions, address our concerns, and search for the best possible coverage to fit our needs while looking for competitive rates. I sincerely appreciate all the assistance they have offered our firm and would highly recommend their services to anyone.”  – Megan B.

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Individual and Family Health Insurance: The Value of Using an Agent

With 2014 just around the corner, and everyone being required to have health insurance or pay a fine, many individuals all over the country are trying to figure out the best plan for them and/or their family. Unfortunately, it’s no easy task with so many different insurance companies and health insurance plans out there. Because of this, many are turning to a professional agent for help. Why would someone need the help of an agent? An agent can be very helpful when trying to find the best health insurance plan, especially when you’ve never shopped for insurance before or are not very familiar with insurance terms. The value of an agent is truly indescribable. You see, when you purchase individual health insurance from your place of employment, there is an individual on-site that can answer any questions you have. A professional agent can do the same when you are purchasing

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Purchasing Insurance Through Individual Insurance Storefronts

Insurance storefronts are similar to most other retail businesses only the companies sell insurance instead of an actual product. Individuals meet with licensed insurance agents who can assess their situation and determine the type of policy and coverage that would be most beneficial for their circumstances. A reputable agent can tell you what policies you qualify for and what you need to do to get signed up for coverage. They will explain all fees, deductibles and expenses associated with your policy. In some cases, a storefront agency also works through exchanges. The agent can help you get signed up for the insurance plan you are eligible for and make sure you have all of the coverage for your particular needs. Bernardini & Donovan Insurance Services is a full service insurance agency located in Redlands, CA. Its staff of reputable agents can answer all of your questions concerning health insurance and what

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Benefits of Working with an Independent Insurance Agency

There are many challenges to purchasing the right health insurance coverage. The more you know about how the industry works, the more capable you’ll be in making smart decisions concerning your health care needs. When purchasing health insurance, you have a choice of working with either an independent agency or a captive agency. An independent agency will offer you policy options from a variety of different insurers, giving you greater choices for evaluation. A captive agency works with only one insurance carrier. This limits the number and variety of health plans from which you can choose. Working with an independent agent offers you greater flexibility in the company you choose. In the event you are dissatisfied with a certain insurer, your agent can suggest alternative companies within their jurisdiction, enabling you to retain his services to acquire the better coverage you seek. Working with a variety of top insurance carriers provides independent agents with greater knowledge and experience

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If I Buy My Own Insurance, Do I Need to Work with an Exchange?

As the Affordable Care Act takes effect, more people will be looking into purchasing their policies from an exchange. This does not, however, limit your choices. You are free to buy your own individual health insurance on the private market if you so choose. Getting coverage on the private market has its advantages and disadvantages. If you already have coverage, you can simply extend your grandfathered policy to meet the new health insurance requirements. Grandfathered policies may not offer all the benefits of newer Obamacare plans, but premium costs are lower and they do meet many people’s current health care needs.  Not all insurance companies have maintained grandfathered plans, so you may be forced to purchase Obamacare plans if you wish to remain insured. You can also buy a policy off the exchange if you’re getting health coverage for the first time. You will need to research plans and prices to ensure you get

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Buying Insurance Through a Broker or Agent

With 2014 almost upon us, more people will be searching for health insurance coverage. You can purchase coverage through an insurance agent or broker or the state exchanges. The following explores some of the differences in purchasing coverage through these two mediums. Buying your coverage through an exchange gives you access to federal subsidies if your income falls beneath 400% of the official poverty line. However, if you don’t qualify for these subsidies, it may be more convenient for you to purchase your coverage directly from an agent or broker. Many insurers are offering coverage comparable to Obamacare standards to include mental health and maternity benefits at competitive costs. In addition, individuals who already have insurance coverage can continue with their grandfathered policies and avoid the extra expense of an Obamacare policy. Using an exchange, you can easily compare insurance features and prices online. However, the enrollment process is more time

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