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LAST UPDATED: June 27th, 2019

Bernard Health is a health insurance counseling company founded in 2006 by Alex Tolbert. Bernard Health’s approach is uniquely focused on Health Savings Accounts and financial planning for businesses and individuals.

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The Good

  • Personalized Individual and Business Financial Advice
  • Business Tools
  • Partnerships with Providers

Personalized Individual and Business Financial Advice

Bernard Health clients receive counseling service from a financial adviser as they consider their health insurance options, health care costs, and needs for health and well-being for themselves and their family members. They also receive health insurance advice from a team of licensed health insurance specialists and health care advisers. 

Advice from these experts can help consumers choose an insurance company by comparing private health insurance plans and plans from the health insurance marketplace to choose the most affordable health insurance plan. In certain situations, it may make more sense to choose a high deductible plan and set aside money in a health savings account for future medical costs. Other important considerations include coverage and costs, like health insurance premiums, deductibles, copayments, and coinsurance.

Companies and small businesses looking at Bernard Health as an insurance consultant also receive strategic advice on financing and providing benefits, like medical insurance coverage and dental insurance.

Business Tools

Bernard Health has several useful, quality resources for businesses. The company offers downloadable case studies and industry specific guides to help businesses choose and finance employer-provided health insurance benefits and more for their employees. Bernard Health also has helpful human resources software for businesses.

Partnerships with Providers

Bernard Health partners with health care providers and health professionals to establish Centers for Healthcare Financial Planning. At these centers, people can receive health insurance assistance, like help with enrolling in health plans (including Medicare and Medicaid), checking to see if they qualify for an income-based subsidy or tax credit, and more. This kind of aid is especially helpful during open enrollment. Health insurance can be tricky to navigate, so this kind of help and advice is valuable in communities.


The Bad

  • Limited Availability

Limited Availability

Bernard Health is available in seven states, including Tennessee. The company’s website does not name all of the states it operates in, which can be frustrating for potential customers. You may have to reach out to Bernard Health directly to see if its services are available to you. If you are not in one of these states, Bernard Health may not be able to help you.


The Bottom Line

Bernard Health helps businesses and individuals as a benefits brokerage company. The company has dedicated financial advisers and health care industry experts who can help you decide the best health care plan for you and your company. Unfortunately, Bernard Health only offers advice and financial planning. 

If you are looking for a health insurance provider with networks of physicians, primary care doctors, and hospitals, you should look at other companies. If you are interested in consulting and financial planning and are in one of the states Bernard Health services, you should consider consulting with them.

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