Facebook-f Twitter Linkedin-in
Get A Quote

Bernardini & Donovan Insurance Services

Blog & News

Covered California: The New Individual Health Insurance Marketplace

June 17, 2013 No Comments

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

Read More »

How the SHOP Works

June 12, 2013 No Comments

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

Read More »

Covered California SHOP Exchange: What this means for employers

June 7, 2013 No Comments

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

Read More »

Covered California SHOP Exchange

June 4, 2013 No Comments

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,

Read More »

Gresham | Savage: Winning Strategies and Winning Cases

May 29, 2013 No Comments

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

Read More »

Get Great Professional Pictures from Michelle Smith Photography!

May 24, 2013 No Comments

Are you in need of a great professional picture for your website, business card, or other promotional items for your business?  Please contact our friend at Michelle Smith Photography if you are.  She is incredibly talented and professional.  To see more of her work, visit our website and go to the “about” tab, and on the drop down menu, click on “our team”.  Michelle Smith Photography    909-649-1635    michellesmithphotography.com “Are you Looking for Something Different?†What kind of Executive Portrait do you want?  At Michelle Smith Photography we specialize in making individuals feel comfortable while being photographed for their professional Executive Portrait.  This will reflect who you really are in your expression and will be enhanced for that wow factor. Please contact us if you are ready for an update or just want to have a good time taking your new Executive Portrait.  

Read More »

Recent Posts

Categories

let Bernardini & Donovan find the right plan for you

Find what's best for you

Our website uses cookies and thereby collects information about your visit to improve our website (by analyzing), show you Social Media content and relevant advertisements. Please see our cookies page for furher details or agree by clicking the 'Accept' button.

Cookie settings

Below you can choose which kind of cookies you allow on this website. Click on the "Save cookie settings" button to apply your choice.

FunctionalOur website uses functional cookies. These cookies are necessary to let our website work.