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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 you or your family such health problems.

Bernardini & Donovan Insurance Services Offers Premium Health Insurance              

Small changes in your lifestyle can improve your overall health. Yet you should be protected with the right health insurance when a medical emergency occurs. Bernardini & Donovan Insurance Services offers affordable health plans for your entire family. For more information about Bernardini & Donovan Insurance Services in the Redlands, CA area, and throughout California, please contact Bernardini & Donovan Insurance Services at 877-251-2447.

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 number of employees, minus 30.

Companies that offer group healthcare plans conforming to the terms of affordability under the Act will not face any fines, according to information provided by the Henry J. Kaiser Family Foundation.

Please contact Bernardini & Donovan Insurance Services at 877-251-2447 for more information about how the Affordable Care Act will affect businesses in  Redlands, CA ,and throughout California.

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 #2: Talk With Your Employees about Benefits

While you don’t have to ask your employees about health insurance, it is a good idea to get their opinion about it. Create a survey and ask them about the types of employee benefits they would like to have. In this manner, you can look for insurance that will cover their needs.

Step #3: Get Quotes

Ask your agent or broker to prepare different quotes so you can get a general idea on how much the insurance will cost.

Step #4: Compare Plans

Once you get the quotes, you can now compare the insurance plans so you are getting the most affordable prices with the best offered coverage. Now is the time to pull out the questionnaires your employees filled out so you can use their opinions to help with the decision-making.

Step #5: Commit To the Policy

Once you choose the policy, you need to commit to it without second-guessing yourself. Just move forward with your choice with the full knowledge that your employees are properly protected.

Bernardini & Donovan Insurance Services Provides the Quotes You Need

Choosing insurance is never easy, but it can be done if you are using the right company who offers affordable insurance products. Bernardini & Donovan Insurance Services offers premium group health insurance at the quotes you can afford. For more information about Bernardini & Donovan Insurance Services in the Redlands area, and throughout California, contact Bernardini & Donovan Insurance Services at 877-251-2447.

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 InsuranceIndividual Health Insurance, Group Health, Short Term Health Insurance, Critical Illness InsuranceAccident 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.