Business Details
18 Years
experience
Your Trusted Partner for Comprehensive Insurance Solutions
At Bernardini & Donovan Insurance Services, we have dedicated over three decades to simplifying healthcare and medical insurance solutions for businesses and individuals. Our licensed brokers leverage unmatched expertise in navigating complex insurance landscapes, including health, dental, vision, life, disability, and Medicare plans. We prioritize client needs by offering personalized guidance, ensuring compliance with evolving regulations, and advocating for optimal coverage.Our team's deep industry relationships and commitment to transparency empower clients to make informed decisions, whether selecting group plans for employers or tailored policies for individuals. With offices in California and Colorado, we combine local market knowledge with national regulatory insight to deliver reliable, cost-effective insurance strategies.
Services
Group Health Insurance
Medicare Plans
Dental Insurance
Vision Coverage
Life Insurance
Disability Policies
Small Business Solutions
Individual Plans
Medicare Supplements
Group Renewal Assistance
Details
- Year established: 2008
Highlights and features
- We provide personalized insurance advice aligned with clients' evolving needs.
- Our team advocates for optimal coverage, even recommending competitors when appropriate.
- Decades of expertise navigating complex healthcare regulations and policy changes.
- Dedicated case managers ensure seamless client support throughout policy lifecycle.
- Proven track record resolving insurance disputes and securing favorable client outcomes.
What people say
Exceptional problem-solving ability
Timely communication
Thorough and efficient
Advocates for clients
Persistent and cheerful
Services
Group Health Insurance
Comprehensive health plans for businesses of all sizes. Our brokers help employers select policies that balance employee needs with budget constraints. We ensure compliance with federal regulations and provide ongoing support for policy renewals and modifications. Specialized in small business solutions with guaranteed issue options.
Medicare Supplements
Customized Medicare solutions for individuals and employers. Our experts explain plan options, prescription coverage, and supplemental benefits. We specialize in navigating enrollment periods and ensuring clients maximize their benefits while understanding out-of-pocket costs.
Dental Insurance
Network-based dental plans with flexible coverage options. We offer PPO, DHMO, and indemnity plans for businesses and individuals. Our specialists help clients understand preventive care benefits, in-network providers, and cost-sharing structures for major dental procedures.
Life Insurance
Employer-sponsored and individual life insurance solutions. We provide guaranteed-issue group policies and assist with underwriting for higher coverage amounts. Our services include policy design, premium cost analysis, and coordination with estate planning objectives.
Disability Policies
Long-term disability insurance for businesses and professionals. We design plans with flexible elimination periods and benefit structures. Our specialists explain policy riders, rehabilitation benefits, and cost-of-living adjustments to protect clients' financial security.
People
Michael D Bernardini
Founder
With over 30 years in health insurance, Michael established Bernardini & Donovan in 2008 after senior roles at major agencies. He specializes in employer group plans and regulatory compliance.
Adrian D. Donovan
Co-Founder
A 20-year insurance veteran, Adrian focuses on group benefits and client advocacy. He holds leadership roles in industry associations and specializes in complex case resolution for business clients.
Cindy Burke
Case Manager
With 22 years experience, Cindy specializes in client account management. She ensures smooth policy implementation and renewal processes for employer groups, maintaining high client retention rates.
Nancy DeLima
Agent
Certified in health insurance, Nancy focuses on Medicare solutions. With banking background, she excels at explaining financial aspects of insurance products to senior clients.
Jenny Clemmer
Account Manager
A 25-year industry veteran, Jenny manages carrier relationships and policy renewals. Her carrier-side experience informs strategic decision-making for employer clients during plan design.
Questions
How do small business health insurance regulations affect me?
Small group plans require 75% employee participation. Premiums can't be denied due to health status but vary by geography and demographics. We help maintain compliance while finding cost-effective solutions.
Can I get coverage with pre-existing conditions?
Federal law prohibits denial of small group coverage for pre-existing conditions. Large groups may face medical underwriting. We ensure proper credit for prior coverage to minimize exclusion periods.
What are the benefits of using your brokerage?
We offer independent carrier comparisons, expert policy analysis, and ongoing advocacy. Our services include claims dispute resolution, renewal negotiations, and compliance guidance at no additional cost.
How do group dental plans differ from medical insurance?
Dental plans use network discounts and fee schedules rather than copays. We explain network limitations, annual maximums, and coverage tiers to help clients select most cost-effective options.
What happens when employees leave our company?
We assist with COBRA continuation options and individual policy transitions. Our team ensures seamless coverage changes while explaining portability rights under federal law.
How are premium rates determined for large groups?
Rates are based on claims history, employee demographics, and industry risk factors. We provide comparative analysis across carriers to secure competitive pricing while maintaining adequate coverage.
