Bernardini & Donovan Insurance Services

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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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health insurance

7 Tips for a Healthy Holiday Season

7 Tips for a Healthy Holiday Season With the holiday season upon us, it is essential that you take good care of yourself! Here are a few tips and tricks to keep you happy and healthy this holiday season. Make time to move This season is one where we tend to let a lot of things slide. Exercise is one of those things. Make sure that you are setting aside time to move regularly. Just walking 30 minutes 3 times a week can have a significant impact on your health! Plan out your meals Tis the season for holiday parties and at these parties are lots of food. And where getting to indulge every once in a while is not a bad thing, satisfying yourself fully on every meal can be hurtful. That’s why we suggest planning out your meals, so you know that you will have a super healthy

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health insurance

Unemployed?

Unemployed? Losing a job is never easy. It can come for a variety of reasons, but the news that you are no longer employed is always a tough pill to swallow. And while your health insurance may not be your very first concern, for many it does rank up pretty high worries after that initial shock. If your job provided health insurance for you, there are some steps you can take to ensure that you have continued coverage. First, you will want to look into COBRA. If your employer paid for part of your health insurance, COBRA allows you after your termination to continue with the same care that you had previously, though you will be paying the entirety of the premiums. This is something to seriously consider if you are currently receiving care that cannot be disrupted or you are receiving care from a doctor that you may not

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Healthcare Options

Your Healthcare Options Part 1

What Are Your Healthcare Options? If you are over or close to the age of 65, Medicare is something that you might be utilizing or thinking about using. If you are in that boat, then it is essential to know your open enrollment times. If you are looking to go with the Medicare Advantage Plan, open enrollment is upon us. Recipients of Medicare have a choice between the Medicare Advantage Plan or the Medicare Supplement Plan which is like a PPO plan. The difference between the two is that in the Advantage plan you will pick a primary care physician who will direct your care. They are known as the gatekeeper. If you need to see any specialist, they will provide a referral for that. Under a PPO contract, you have the flexibility to direct your care. You do not have a primary care physician, and you have a choice

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Healthcare Insurance Options

Timeline of Your Healthcare

Healthcare Insurance Options At the end of every year, we come to the holiday season. Halloween, Thanksgiving, Hanukkah, and Christmas all play a significant part of how we spend our time. But along with these celebrations, we are also very aware of another season. Open Enrollment Season. For a short period, at the end of each year, there is an opportunity to change your health care insurance options. If you are already enrolled in a particular program before the open enrollment period begins, your provider will contact you and tell you if there are going to be any changes to your benefits or your premiums. This is particularly important to know so that you can assess if you are happy enough to stay with your current provider or if it is time to change so that your needs are better met. Then open enrollment starts This year it opened on

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