Bernardini & Donovan Insurance Services

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Make the Right Decision About Becoming A Part Of Your Employer’s Health Insurance Program

You’ve finally found the dream job position you always wanted. It will offer a great salary and bonuses throughout your career. As you fill out the employee paperwork, you are asked on whether you want to participate in the employer’s health insurance program. Joining Group Health Insurance Plans Many employers who hire a certain number of employees will offer health insurance programs through the company. There are many benefits on why you should participate in one. While you will have a portion of your wages go into the health plan, your employer will also pay toward the costs. In addition, the insurance is group rated, which means you will have more opportunities of being placed on a good plan. Most employers will give you the opportunity to choose the plan you want. Also, you may be able to place your spouse and your children on the same plan. Make sure

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Switch to Eco-Friendly Products to Improve Your Health

You hate cleaning your home. Every time you take out the chemical cleaners, your skin breaks out in a red rash and your chest wheezes from the fumes. But what else can you do? You refuse to live in a dirty home. Yet you wonder if using these chemicals is affecting your health in a negative manner. Switch to Eco-Friendly Products                                                                                     Toss out the cleaning products that are affecting your health and instead use environmentally-friendly products. Going green with your household products are great ways to clean your house while you are protecting your health. Most of the harsh chemicals in regular cleaning products can cause a variety of health problems such as: Headaches Nausea Skin burns Rashes Respiratory issues In addition, some of the chemicals may cause cancer, or are dangerous if swallowed by small children or pets. Make the switch over to eco-friendly products that will not cause

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Employer Responsibilities Under the Affordable Care Act

Beginning in 2014, employers may face large penalties if affordable health insurance is not offered to employees. Bernardini & Donovan Insurance Services helps you determine your responsibilities as an employer under the Affordable Care Act. Which type of group healthcare is considered affordable under terms of the Act? Affordable care means that less than 9.5 percent of the employee’s gross income goes toward health insurance premium. Additionally, the employer must pay at least 60 percent of the policy premium. I have a small business; will I face fines if I don’t offer affordable healthcare coverage? If you have less than 50 full-time employees, you will not have to pay penalties. I have a company with 50 or more employees, what happens if I don’t offer affordable coverage? If your company with 50+ employees does not offer affordable coverage, you will face penalties that begin at $2000 multiplied by the total

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5 Steps to Get the Group Health Insurance Everyone Is Happy With

Your business has grown to the point where you can hire as many employees that you need to handle operations. You’ve developed the employee positions and hired the qualified workers. There is just one other thing you need to do: find the right employer’s health insurance plan that you can afford. 5 Steps Business Owners Can Take To Find the Right Group Health Insurance            Finding the right health insurance and employee benefits does not have to be a long and arduous process. You can find the insurance you want and the one that your employees will be happy with by following these 5 steps. Step #1: Research the Insurance Industry Never purchase a product without finding out more about it. This includes health insurance. Find out about the industry and how it personally affects you as you can make smart decisions when it comes to buying group health insurance. Step

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Welcome to the new Bernardini & Donovan Insurance Blog

Welcome to the new Bernardini & Donovan Insurance Blog. We are here to help you find a quality Healthcare Plan that is affordable for you and your budget. We specialize in Family Health Insurance, Individual Health Insurance, Group Health, Short Term Health Insurance, Critical Illness Insurance, Accident Insurance and Child Only Coverage. Now is the time to Maintain your good health by receiving the proper Healthcare without paying out of pocket. The cost of Healthcare is rising everyday, so save money now by applying for Health Insurance with West Coast Health Plans. For more information we invite you to visit our website: westcoasthealthplans.net.  

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