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Tag: health insurance

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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.

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What Every Small Business Owner Needs to Know about the Affordable Care Act in 2014

New policies related to healthcare have many small business owners concerned of what is to come in 2014. News reports are tossing around penalty figures of $2000 per person per year. And that is just the start of the penalty scale. Bernardini & Donovan Insurance Services explains what a small business owner needs to know about his or her responsibilities under the Affordable Care Act:

  • Small businesses won’t be penalized. Businesses that employ less than 50 full-time employees will not be held to the employer responsibilities outlined in the Affordable Care Act.
  • However, you can qualify for a tax credit. A small business that pays average yearly wages of less than $50K, has less than 25 full-time employees and offers affordable health insurance could receive incentives in the form of a small business tax credit. Beginning in 2014, this credit could be up to 50 percent and will help offset group health insurance costs.
  • You may have more buying power than you think. According to HealthCare.gov, the average small business pays  18 percent more for group health insurance than a larger company would. Small businesses that employ less than 100 people on average will have access to the Health Insurance Marketplace, reducing costs by giving access to plans seen by larger corporation.

Contact Bernardini & Donovan Insurance Services at 877-251-2447 today for more information on group health insurance for small businesses.

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Make the Right Decision About Becoming A Part Of Your Employer’s Health Insurance Program

You’ve finally found the dream job position you always wanted. It will offer a great salary and bonuses throughout your career. As you fill out the employee paperwork, you are asked on whether you want to participate in the employer’s health insurance program.

Joining Group Health Insurance Plans

Many employers who hire a certain number of employees will offer health insurance programs through the company. There are many benefits on why you should participate in one. While you will have a portion of your wages go into the health plan, your employer will also pay toward the costs. In addition, the insurance is group rated, which means you will have more opportunities of being placed on a good plan.

Most employers will give you the opportunity to choose the plan you want. Also, you may be able to place your spouse and your children on the same plan. Make sure you read about all the benefits and coverage you will get when you are asked to participate in it.

Find Affordable Health Plans Through Bernardini & Donovan Insurance Services

Just because you own a business doesn’t mean you should go broke trying to pay group health insurance for your employees. Find the insurance coverage that works for your company’s budget while letting your employees have the health insurance program they need to stay healthy by looking at the insurance products offered through Bernardini & Donovan Insurance Services. For more information about Bernardini & Donovan Insurance Services in the Redlands area, and throughout California, contact Bernardini & Donovan Insurance Services at 877-251-2447.

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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.

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Employer Responsibilities Under the Affordable Care Act

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.

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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 Insurance, Individual Health Insurance, Group Health, Short Term Health Insurance, Critical Illness Insurance, Accident 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.

 

let Bernardini & Donovan find the right plan for you

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