Covered California: The New Individual Health Insurance Marketplace

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 coverage is also available to individuals under 30 years old.

Changes in health insurance are coming in 2014. For more information about the Covered California health insurance exchange, please contact Bernardini & Donovan Insurance Services, located in the Redlands, CA area.

 

How to Find the Right Health Insurance for You

Trying to determine how to find the right health insurance for your needs can seem challenging. With so many health insurance options, it is not surprising that it can seem complicated. Fortunately, you can find the right policy with the appropriate tools.

List Personal Needs

Health insurance is not a policy that fits only one individual. Taking time to list all of the personal or family needs will help narrow down the choices. A family of four will have different needs than an individual or a married couple without children. Take time to write down all of the requirements for coverage.

Look at Several Options

After determining exactly what you need, it is time to look at the options that meet your needs. Ask your agent to find the best deals and solutions for the whole family. Read carefully through coverage options and look at the quotes to determine if it is a financially sound option.

Finding coverage is not always easy, but it is possible for Redlands, California residents to find solutions. To learn more about your coverage options, contact Bernardini & Donovan Insurance Services, Inc. at 877-251-2447 or visit us online.

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 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.

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 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.