Bernardini & Donovan Insurance Services

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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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Covered California SHOP Exchange

The Covered California SHOP Exchange provides two major benefits to small employers – access and administrative relief. SHOP provides access to a large selection of health plans that have previously been available only to larger companies. SHOP also takes over plan administration, relieving businesses with fewer than 50 employees of the burden of dealing with employee health insurance. California’s approximately 375,000 small companies with 25 or fewer employees earning an average annual wage of less than $50,000 qualify for an additional benefit. These smaller businesses will be eligible for a 50% federal small-business tax credit when they purchase coverage through SHOP. SHOP relieves small businesses of the burden of finding and administering health plans for their employees. The business sets up a customized SHOP profile and receives a unique group ID. Employees login to the SHOP exchange and select a plan from the available qualified health plans. SHOP handles enrollment,

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Gresham | Savage: Winning Strategies and Winning Cases

Are you in need of an attorney to assist with employee issues?  Maybe update your employee handbook?  Bradley Neufeld and his associates at Gresham/Savage have given our clients the red carpet service.  We highly recommend Gresham/Savage. Gresham | Savage:  Winning Strategies and Winning Cases With an enviable 103-year track record of winning strategies and winning cases, Gresham | Savage is the widely recognized leader for business, litigation, employment, real estate, environmental and land use law in Inland Southern California, San Diego and Los Angeles.  The firm’s many attorneys, practicing in offices in San Bernardino, Riverside, San Diego and Los Angeles counties, provide wise counsel to local, regional and Fortune 500 companies. Bradley Neufeld is a shareholder and co-chair of the Labor and Employment Law Practice Group at Gresham | Savage.  His practice focuses on the representation of management in all aspects of employment law.  Mr. Neufeld provides timely advice to clients on all

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