Bernardini & Donovan Insurance Services

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Covered California Health Insurance Exchange: Applying for Coverage

Starting October 1, 2013, Covered California will become the primary marketplace for individual health insurance coverage. The market will feature tools which will allow insurance consumers to compare policies that offer affordability to low-income individuals and families. Services include free health insurance or significantly reduced health insurance for qualifying individuals and families. For those who wish to apply for coverage, Covered California can be initiated by phone, online, or through a licensed agent. Applicants should expect to talk with a Covered California call center representative who will screen the applicant for qualification. If qualified, the call is transferred to a county representative for completion. Income verification if through the IRS and the exchange will use the applicants last filed IRS return to verify income as an estimation of income. Applicants can prove income by showing documentation of major changes in income levels for the current year. Covered California is part

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Covered California Health Insurance Exchange: What Kind of Coverage Will you be Getting?

If you want or need to get insured, Covered California has options for health insurance. The exchange has been created to comply with the health insurance changes that are taking effect in 2014. Under the exchange, people will get individual health insurance coverage, there will be 13 commercial health plans, and more than 80% of practicing physicians and acute care hospitals will be participating. The plans provided cover doctor visits, hospital stays, prescriptions, and more. They also avoid many of the gimmicks of same plans that were seen in the past. The out-of-pocket cost is capped at a maximum of $6,350, which will reduce the risk of people going bankrupt because of large medical bills. Without the proper insurance, this possibility is still very real. The list of current insurers is only for individual health insurance coverage, but options will also be available for small businesses to work with the

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Need Tax Assistance? Give 3H Business Services a Call!

In need of some tax assistance?  Don’t know where to turn when the IRS is sending you letters?  Give our friends at 3H Business Services a call. 3H Business Services has been in business since 1969 providing bookkeeping and tax preparation services.  We are versed in many industries, including, but not limited to: restaurants, manufacturing, horse racing and breeding, construction, clothing, HOA associations, Non-Profits, Automotive repairs, Transportation, Attorneys, Medical offices, and Insurance agents.  We also provide bookkeeping and tax preparation for asset protection. In 2006, we were licensed as an enrolled agent with the IRS so that we can represent our clients with more authority in all 50 states on all types of tax returns, including: Individuals, Trusts, Estates, Inheritance taxes, Gift taxes, Partnerships, LLC’s, C and S corporations, Non-Profits, and Sales tax issues. Our website has many useful tools as well.  Visit us at www.tripleh.net, or call us at

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Covered California: The New Individual Health Insurance Marketplace

The healthcare system in the United States is undergoing  changes. Covered California is the new individual health insurance marketplace, which impacts individuals and families purchasing their own insurance. This new marketplace is designed to increase the quality and affordability of health coverage. In 2014, major changes to health insurance regulations take effect. Health insurers can no longer deny coverage to individuals with pre-existing conditions. New federal subsidies will also be available to help individuals and families purchase qualified health insurance plans. All health plans, including those in the Covered California marketplace, will be required to meet a standard set of essential requirements. These changes will help an estimated 4.7 million Californians improve the quality of their health insurance. There are four tiers of qualified health plans in the Covered California marketplace: platinum, gold, silver and bronze. Each tier varies in terms of the level of coverage and monthly premiums. Catastrophic

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How the SHOP Works

When a business gets started there are a number of things that need to happen in order to attract employees. One of the benefits that needs to be in place is health insurance. The Covered California SHOP Exchange is a way for small businesses to provide group health insurance for their employees. Here is how Shop works for small businesses: How Shop Works Each participant in the plan completes a profile and receives a group ID. The employee of the company enters the SHOP program and they are then issued an ID of their own. In order for them to      access their plan they are also issued a password. Once inside the plan the employee enrolls in the health plan that they need for themselves. Once the employee has made their selections the employer then verifies that they work there. All information is taken care of by the SHOP and

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Covered California SHOP Exchange: What this means for employers

In California small businesses that are struggling to provide health care coverage for their employees now have hope. The Covered California SHOP (Small Business Health Options Program) Exchange will provide a greater selection of group health insurance coverage, previously only offered to businesses with larger numbers of employees. Small business owners who are interested in joining the Covered California SHOP Exchange can do so just as long as they have less than 50 employees, for the time being. As part of this revolutionary program, small businesses with fewer than 25 employees, as well as an annual earning that is less than $50,000, can earn a 50 percent federal tax credit for any health care coverage that is purchased via SHOP. To date 375,000 small business employers in the state of California are eligible for this small business tax credit. Here at Bernardini & Donovan Insurance Services we offer additional information

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