Business Details
18 Years
experience
Trusted Health Insurance Solutions in Redlands, CA
Bernardini & Donovan Insurance Services has been a trusted partner in healthcare solutions for over three decades. Founded in 2008 by Michael D. Bernardini and Adrian D. Donovan, our agency specializes in providing tailored health insurance options for individuals, families, and businesses. With expertise in Medicare, group insurance, and individual plans, we prioritize client needs by offering personalized guidance through the complexities of healthcare policies. Our team of licensed professionals brings decades of combined experience, ensuring clients receive accurate advice and access to competitive plans.We maintain strong relationships with major carriers across California and Colorado, enabling us to deliver comprehensive coverage options. Our commitment to transparency, education, and advocacy has earned us long-term client loyalty and industry recognition. By staying current with evolving regulations and market changes, we empower clients to make informed decisions that align with their unique healthcare and financial goals.
Services
Group Health Insurance
Medicare Solutions
Dental Insurance
Vision Insurance
Life Insurance
Disability Plans
Details
- Year established: 2008
Highlights and features
- We offer 30+ years of combined experience in health insurance expertise
- Our team provides personalized plan comparisons tailored to individual needs
- We advocate for clients during claims disputes and policy changes
- We maintain relationships with major carriers across two states
- Our service includes ongoing policy reviews as client needs evolve
What people say
Exceptional problem-solving ability
Timely communication
Personalized plan comparisons
Dedicated client advocacy
Knowledgeable team
Services
Group Health Insurance
We help businesses select comprehensive health insurance plans that meet employee needs while managing costs. Our expertise includes small, mid-market, and large group plans with network provider options. We assist with plan design, carrier comparisons, and compliance with state regulations.
Medicare Solutions
We specialize in Medicare Advantage and Supplement plans for seniors. Our team provides detailed comparisons of coverage options, prescription drug plans, and cost structures. We help clients navigate enrollment periods and coordinate benefits with other insurance.
Dental Insurance
We offer dental insurance solutions covering preventive care, restorative treatments, and vision correction. Our plans include network dentists, scheduled reimbursement options, and PPO flexibility while maintaining cost-effective premiums for individuals and groups.
Life Insurance
We provide term and permanent life insurance options for individuals and group policies for businesses. Our solutions include voluntary plans, portability features, and supplemental coverage options that adapt to changing life circumstances.
Disability Plans
We design long-term disability insurance that protects income during career interruptions. Our policies include cost-of-living adjustments, rehabilitation benefits, and critical illness riders while ensuring compliance with state and federal regulations.
People
Michael D. Bernardini
Founder
With 30+ years in health insurance, Michael established Bernardini & Donovan in 2008 after working with major carriers. He focuses on building client relationships and maintaining industry expertise across California and Colorado markets.
Adrian D. Donovan
Founder
Adrian brings 20+ years of group benefits experience, specializing in complex insurance solutions. He leads client advocacy efforts and maintains carrier partnerships while ensuring compliance with evolving healthcare regulations.
Cindy Burke
Case Manager
With 22 years in health insurance, Cindy manages client accounts and coordinates policy implementations. Her focus on personalized service ensures smooth transitions and ongoing client support for group and individual plans.
Jenny Clemmer
Account Manager
Jenny provides 25+ years of carrier-side experience to support brokers and clients. She specializes in group policy renewals and day-to-day account management while maintaining relationships with major insurance providers.
Cory Manning
Agent
Cory serves as group producer with expertise in business insurance solutions. He combines mathematical analysis with practical insurance knowledge to create cost-effective coverage strategies for mid-sized and large employers.
Questions
What types of health insurance plans do you offer?
We provide group health insurance for businesses of all sizes, individual/family plans, and Medicare solutions. Our services include HMO, PPO, EPO, and HSA-compatible options from major carriers.
How do you help businesses choose insurance plans?
We analyze your workforce demographics, budget, and coverage needs. We compare multiple carriers' offerings and provide detailed recommendations that balance employee satisfaction with cost-effectiveness.
Can you assist with Medicare enrollment?
Yes, we specialize in Medicare Advantage and Supplement plans. Our team explains coverage options, prescription drug tiers, and enrollment periods to help seniors make informed decisions.
What areas do you serve?
We primarily serve California and Colorado, working with clients in both urban and rural communities through our network of insurance carriers and local offices.
How do you handle claims disputes?
We act as client advocates during claims processes, coordinating directly with insurance companies to resolve issues and ensure proper reimbursement for covered services.
Are your services free?
Yes, our consultation and plan selection services cost nothing to clients. We receive compensation from insurance carriers, allowing us to provide unbiased recommendations without additional fees.
