Bernardini & Donovan Insurance Services, Inc.
Bernardini & Donovan Insurance Services specializes in Group Employee benefits, property and casualty insurance including commercial and personal lines with unparalleled customer service. Medicare. Mailing: P.O. Box 10909 San Bernardino, CA 92423. Read REVIEWS by clicking Business name.
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We, at Bernardini & Donovan Insurance Services, want to assure our clients that our job is to simplify your healthcare needs. Whether you are an Employer looking to offer healthcare benefits to your employees or are in need of providing healthcare coverage to your family or family members, we are here to assist you.
Now, more than ever before, the issue of healthcare has been thrust into our everyday lives. For a lot of people, the more you hear about the issue of healthcare, the more complicated it appears to be. With more than thirty years experience in the health insurance field, our licensed Broker/Agents are proud to have established long lasting and trusted relationships with all of the major carriers throughout California and beyond. Whether you need coverage for employees, families, individuals, temporary or short term coverage, coverage for travel or abroad, Bernardini & Donovan Insurance Services has the answers to any questions you may have.
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- 4th Quarter Changes in the Market
- Big increases in premium coming next year & LLUMC Retirees AON exchange for Medicare options
There has been some misinformation being spread throughout the community on how consumers access the Covered California Exchange. There are going to be several options available to you. First, you will be able to go to the local welfare office and sign up if you qualify for subsidy. Second, if you currently have a relationship with an agent, and the agent elects to go to the training to become appointed to sell plans through the exchange, keep your agent, they will be able to help you. There have been members of the community stating that the welfare office is the only place you can sign up, and THAT IS ABSOLUTELY UNTRUE. Here are some points to consider when choosing a consultant to provide you advice on your health insurance policy. Under the new healthcare law, two new positions have been created to assist consumers with purchasing their healthcare plan. There are assistors, and navigators. Assistors are not compensated, and will be used by community outreach groups and other sources to help consumers sign up. Navigators will be compensated, a yearly fee ranging from approximately $58 to $125. Lastly, there are professional health insurance agents. The consumer really needs to understand the difference between the three, and carefully consider their choice. Assistors and Navigators are only required to take a course, at this point it sounds like it will be a 3 day course, on the products offered by the exchange, to be able to assist or sell the products through the exchange. They CANNOT assist or sell any products outside the exchange. This means they are not able to give you all the options you have access too. They ARE NOT required to be licensed, and ARE NOT required to carry Errors and Omissions insurance. If they sell you the wrong plan, or misrepresent the benefits covered by the plan, be aware that they have no financial backing from an Errors and Omissions policy. Contrast this with a seasoned health insurance agent. Agents are required to be licensed, complete 24 hours of continuing education per year, and carry Errors and Omissions insurance. Agents typically represent all markets, which allow us to show you all of your options, and help you make your most informed decision. You do not pay any additional premium or fees to use an agent versus an Assistor, or Navigator. Agents are compensated by the insurance companies. We are paid a small percentage of the premium you pay to your insurer. We are here to help you make the best decision for you and your family. Contact us with no obligation anytime. 909-792-5100.
Kelli said on Apr 20, 2016
They are my broker for health insurance. Helped me out when my insurance canceled me and I needed to find a new small business plan.
Matthew Rundle said on Sep 1, 2015
For all of you out there that are addressing your Family and/or Individual Health Insurance needs...PLEASE take note. I was on my company plan and my wife and kids on a separate plan outside my company. Me on Kaiser and family on PPO. I talk to my trusted Health Insurance advisor, Adrian Donovan, with Bernardini & Donovan Insurance Services, Inc.. Adrian reviews my six options my work offers as my company has it's annual change. He recommends one that fits my family the best. We are now all on one policy that will be deducted pre-tax that gives us Tax Savings. In additon, he recommended one with an HSA account that has additional Tax Savings. I'm spending $95.00 more per month but the net effect is I'm saving $440.00 a month tax-wise. My coverage is a notch better than what we had before with all doctors covered. Probably the most important reason you want to call Adrian Donovan to review your policy...he just recommended a policy for me that his company will not manage and will not earn a income on. In essence, he gave up income but directed me to the best policy for my family. The net effect is that my family will be saving on our Health Insurance costs tax-wise. I give the highest recommendation to Adrian for doing that and saving my family money. The time on the phone was free and I saved money. I"m very Happy about this. If/when you call Bernardini & Donovan, be sure to ask for Adrian. Here is his office number: (909) 792-5100. Mr. Adrian Donovan...Thank You from the Rundle Family!!!
Rhonda Stanton said on Jul 9, 2015
Wow! After spending over an hour on Covered California's awful website and on the phone with them, with no one able to help me, a friend told me to call Julie at Bernardini & Donovan, that she could help me. What a difference. She is incredibly nice and knowledgeable. I had no idea that they could help me with my coverage, even though I had already purchased insurance through the coveredca.com website. Julie explained to me what I needed to understand, we assigned her as my agent from this point forward, and I don't have to deal with them anymore! I am so happy!
Schmidt Family said on Dec 17, 2014
I went through Bernardini & Donovan and am so glad I did because they helped me with getting signed up and a plan we are happy with! Julie took care of us and answered all of my questions!! Perfect!!
Deborah said on Oct 13, 2014
I tried signing up my 24 year old son for his own insurance online which was a NIGHTMARE! Talk about confusing!! I have never used an insurance agent before and decided to give it a try. I called Julie and she found the best rates, emailed me the application, and it was DONE! The glitch was that the payment was not received as the number I wrote down was incorrect. Anthem sent a letter which I never received and the insurance was cancelled. I tried calling Anthem and was told he could not reapply according to the new laws. I called Julie and she was able to get through to the higher powers and reinstate the insurance. Thank you Julie, you're a REAL lifesaver!
Lori Bartosh said on Jun 16, 2014
Julie is great to work with... EXTREMELY helpful and a lot of patience while explaining the different plans and costs.
Briana Bigham said on Apr 15, 2014
On March 31st when the deadline for enrolling in healthcare came down to the wire I was feeling very uneasy and unsure about whether or not it was the right choice for me. Not only was Bernardini & Donovan Insurance Staff
Member Julie helpful and kind, she was compassionate and patient with all of my questions! This business (and Julie) helped put my mind and heart at ease and made a stressful situation virtually painless! I won't hesitate to use or refer this company in the future. It's wonderful to have a solution at your fingertips when you need it most and relying on this company in my hour of need was a wonderful experience! Thank you Bernardini & Donovan (and Julie) for amazing personal service!!!"
Erica Grillo said on Mar 31, 2014
I would highly recommend Bernardini and Donovan. I went through them and they were amazing made everything quick and easy.
Atinc Eren said on Feb 16, 2014
Julie is great and very helpful.
Janine Nielsen said on Sep 24, 2013
These our my go to experts for all things insurance.
Inland Empire Carpet Repair said on Mar 12, 2013
I am constantly amazed by the depth of knowledge and understanding Adrian has about our healthcare system. Most importantly for me, is his insight into the new system that is now unfolding in our current era of politics. I am very informed and secure with the direction I get from Adrian.
Tamryn King said on Mar 5, 2013
We have used Bernardini and Donovan for a few years now and love the ease and knowledge they have. Adrian always has been so helpful with advice with choosing the right plan for our business and budget.
Jane Lillestrand said on Feb 28, 2013
Adrian Donovan is my health insurance agent…the best I’ve ever had! He is very knowledgeable and such a nice guy. You can be assured of getting fantastic service from everyone at Bernardini & Donovan. I highly recommend them!
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