Bernardini & Donovan Insurance Services

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health insurance

Preparing for Spring Allergies

Preparing for Spring Allergies All winter long you may have been dreaming of this day. The day that the temperatures start to rise. The day that you get out of bed and don’t feel the immediate chill. Maybe you have been waiting for the leaves to start filling up the trees and longing for your landscape to be lush and green? And where that is a beautiful sight to behold, for many Americans, it is the start of their Spring Allergies. Here are a few ways that you can prepare for your spring allergies. See your Allergist ahead of Time Don’t wait until your allergies are driving you crazy before you go to the doctor. If you know your allergies are just waiting on the other side of spring, go to see your allergist. It can help you significantly to start using an allergy medicine that was helpful last season

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Understanding Medicare

Understanding Medicare

Understanding Medicare Come your 65th birthday, and you’ll enter into a whole world of benefits, discounts and special deals. Whether you’re out to see a movie, looking for a meal or searching for insurance, you can be sure to find a specific deal just for you! Medicare is available to anyone 65 and older and who have worked full time while paying taxes for at least 40 quarters or the equivalent of 10 years. And while Medicare may be an unfamiliar topic to those approaching their golden years, here we have broken down and explained each part and every option available to you. Upon your eligibility for Medicare, do not hesitate to reach out for consultation in choosing the plan that is best for you. What are the four parts of Medicare and what do they cover? Medicare has four parts and two ways in which you can put your
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Special Enrollment Period

Special Enrollment Period

It’s Not Too Late If You Have a Life Event Coming Up The final date to apply for open enrollment, effective January 1, 2019, in California was December 15, 2018. Though we are now past this period, you can still apply in the case that you are going through a life event. These life events can include marriage, divorce, aging out of a parents’ policy, loss of a job, moving/relocating or having a child. In these instances, you can still purchase insurance outside of the enrollment period. You will have 30 days to withdraw from the day your other policy ends to enroll in a new plan of coverage in what’s called a Special Enrollment Period. Here Are The Life Events That Will Qualify You For Such An Enrollment Exception: Loss of health coverage Loss of a job Aging out of parents’ insurance plan at age 26 Losing eligibility for
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Tracking Your Health

3 Tips for Tracking Your Health

3 Tips for Tracking Your Health One of the best ways to help with your health is to make it a priority. In our rushed society, it is easy to put your general health and well being on the back burner. Many people will instead settle into bad habits that will keep them from being their most healthy selves. But once you’ve resolved to put your health first, how do you keep it? One of the tools at your disposal is to keep track of your health. Often your motivator can be seeing over time how your efforts are working towards getting to your goal. Here are a few different ways that you can Track Your Health: Keep a Log One of the most basic forms of Monitoring your Health is to write it down. This can look very different for people based upon what their health goals are. For

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American Heart Month Blog Cover

American Heart Month

American Heart Month Living healthfully is one of the best forms of health insurance. There are countless ways in which we all can give ourselves the best chance for a long and happy life with simple, health-conscious lifestyle modifications. We at Bernardini and Donovan strongly believe in the value of good health and the protection of oneself from preventable conditions. And out of recognition for the importance of a healthy way of life, this February, we celebrate American Heart Month! Heart disease is the leading cause of death for both men and women in the US. It is responsible for one in four deaths every year and is seen in all ages. As heart disease has become an epidemic among Americans, it is crucial that we implement the necessary measures of prevention. So this February, look out for ways to celebrate American Heart Month in the promotion of good heart
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Vision Insurance

Vision Insurance Plans

Vision Insurance There’s nothing less productive than a blurry-eyed employee fumbling around the office, squinting at the whiteboard or misreading the small font on an important memo. Do not underestimate the value of vision maintenance, especially among those on whom you depend for the success of your company. If your budget allows, we recommend that you offer your employees vision insurance. We at Bernardini and Donovan uphold the philosophy that employers should provide as many benefits to their employees as possible. And while it is only a secondary-level benefit, we find it deserving of your consideration, budget permitting. Vision insurance covers an individual’s exam and hardware. It does not include any necessary medical procedures. Rather, these, such as eye surgery, are covered by the employee’s medical plan. Vision insurance does, however, offer discounts for additional glasses and Lasik surgery. Three Tiers of Service Broken up into three tiers of service,

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