Business Details
18 Years
experience
Your Trusted Health Insurance Partner in Redlands
At Bernardini & Donovan Insurance Services, we have dedicated ourselves to simplifying healthcare and medical insurance needs for clients across California and Colorado. With over 30 years of combined experience, our licensed brokers have cultivated trusted relationships with major carriers to provide tailored solutions for employers, families, and individuals. We specialize in group insurance, Medicare, and individual health plans, prioritizing client education and advocacy to ensure informed decisions.Our team remains committed to transparency, offering free advice without brokerage fees while maintaining a customer-centric approach that has earned us long-term client loyalty. Through decades of service, we have demonstrated expertise in navigating complex insurance landscapes, including the Affordable Care Act and Medicare regulations, to deliver personalized coverage options that adapt to evolving client needs.
Services
Group Insurance
Health Insurance
Dental Insurance
Vision Insurance
Life Insurance
Disability Insurance
Medicare Plans
Individual Insurance
Small Business Insurance
Medicare Supplements
Details
- Year established: 2008
Highlights and features
- We have served clients for over 30 combined years in the insurance industry
- Our team provides personalized plan recommendations based on individual needs
- We advocate for clients in resolving insurance disputes and billing issues
- Offer free expert advice with no brokerage fees
- Specialize in navigating complex healthcare regulations and Medicare requirements
What people say
Excellent customer service
Knowledgeable staff
Quick response times
Thorough explanations
Successful issue resolution
Services
Group Insurance
We provide comprehensive group health insurance solutions for businesses of all sizes. Our services include plan selection, employee enrollment assistance, and ongoing policy management. With expertise in navigating healthcare regulations, we help employers find cost-effective coverage options that meet both business needs and employee expectations while ensuring compliance with current laws.
Medicare Plans
Our Medicare specialists guide clients through all aspects of Medicare coverage. We explain Parts A-D, help compare Original Medicare with Advantage plans, and assist with enrollment decisions. We provide detailed explanations of prescription drug coverage options and help clients understand supplemental insurance choices to fill coverage gaps in their healthcare protection.
Individual Insurance
We offer personalized health insurance solutions for individuals and families. Our services include plan comparisons, application assistance, and ongoing support for policyholders. We help clients understand their coverage options, explain financial protection benefits, and provide guidance on maintaining continuous coverage through life changes and employment transitions.
Small Business Insurance
We specialize in creating customized insurance packages for small businesses. Our services include risk assessment, policy selection, and claims support. We work with multiple carriers to find competitive rates while ensuring adequate coverage for business owners and their employees, including health, disability, and workers' compensation options.
Insurance Advocacy
We provide ongoing advocacy services for insurance policyholders. Our team assists with claims disputes, billing issues, and policy changes. We communicate directly with insurance carriers to resolve problems, explain coverage details, and ensure clients receive the benefits they're entitled to under their insurance policies.
People
Michael D Bernardini
Founder
With over 30 years of experience in the insurance industry, Michael founded Bernardini & Donovan after working with major carriers in California. He specializes in connecting clients with appropriate healthcare solutions while maintaining a client-focused approach to insurance brokerage services.
Adrian D. Donovan
Founder
As Vice President and co-founder, Adrian brings extensive group benefits expertise. He focuses on client advocacy and problem-solving, maintaining strong relationships with insurance carriers to ensure optimal coverage solutions for businesses and individuals across California and Colorado.
Cindy Burke
Case Manager
With 22 years in health insurance, Cindy specializes in client account management. She focuses on personalized service, maintaining client relationships, and ensuring smooth insurance processes through detailed communication and follow-up on claims and policy changes.
Nancy DeLima
Agent
Nancy specializes in Medicare solutions with over 4 years at the company. She combines her 23 years of banking experience with insurance expertise to help clients understand Social Security and Medicare options while providing personalized coverage recommendations.
Jenny Clemmer
Account Manager
With 25 years in the health insurance industry, Jenny manages employer group clients. She handles policy renewals, day-to-day account management, and carrier communications while leveraging her experience from major insurance companies to benefit client relationships.
Questions
What types of insurance do you offer?
We offer group health insurance for businesses, individual and family plans, Medicare solutions, dental, vision, life, and disability insurance across California and Colorado.
Do you charge for insurance consultations?
No, we provide free expert advice and insurance consultations with no brokerage fees for any of our services to both businesses and individual clients.
How can you help with Medicare decisions?
Our specialists explain all Medicare parts, compare Original Medicare with Advantage plans, and help select appropriate supplemental coverage options based on individual healthcare needs.
Can you assist with insurance claims issues?
Yes, we provide advocacy services to resolve claims disputes, billing problems, and policy changes by directly communicating with insurance carriers on behalf of our clients.
Do you work with small businesses?
Yes, we specialize in creating customized insurance packages for small businesses including health, disability, and workers' compensation options with competitive rates.
How do you stay updated on insurance regulations?
Our team maintains current knowledge through continuous education on changing healthcare laws, including ACA requirements and Medicare updates, to provide accurate guidance.
