For California health insurance shoppers applying for the California health insurance plan they want is as easy as one, two, three! In this article, the professionals at Vitality will show our readers just how easy the process of applying for your new health plan really is:

1.    You can start out with a review of plan options via our always free, fast, easy and convenient California health insurance plan quote engine here at our website. On the other hand  - if you prefer – you can reach out to us via our website or call us toll free at 800-607-1950 and request our always free personalized one-on-one client consultations to help you hone in on the California health insurance strategy that is uniquely right for you, your family – even your California small business!

2.    Found the plan you like? You can apply online via either our quote engine or by clicking on the rectangular blue bar that says: ‘Start an Application Online’ featured on the right hand side of each page of our website. Or: You can simply download a California health plan application from our website if you’re more comfortable with a paper application process. We always recommend applying online: It speeds the application process and has been shown to reduce the occurrence of application errors or omissions that can slow or derail the application process.

3.    Submit your plan along with a payment or payment information for the estimated first month’s premium and then wait for the application to pass through the insurance company’s application/underwriting process. Upon acceptance the insurance company will send the Plan ID Card(s)/Service Agreement to the primary applicant.

See? Easy as 1, 2, 3!

Just to give you a bit more insight into the process so you know what to expect when applying for your new California health insurance plan:

• Each company has different policies regarding applying for and paying for your CA health plan: A review of your insurance company’s unique application or a chat with your Vitality professional can clear up any questions regarding the application and payment process for the plan of your choice.
• The application process is free: If you are turned down for coverage your initial payment is returned to you.
• Processing times do vary by company and even within each company’s application flow the application processing time can vary. That’s why we’re proponents of applying online (It’s faster!) and applying early if you have a target date in mind. (Never cancel your existing coverage until you have secured new replacement coverage!)
• Honesty is always the best policy when it comes to recording your medical history in your California health plan application. Also: The underwriter does have the option to request medical records where more information is required. This can delay the application process – sometimes significantly – depending on the response time of your doctor/hospital. You do not pay a fee for any medical record requests.
• We encourage automated payments via monthly checking account deduction or monthly credit card/debit card deduction where available: It helps ensure peace of mind that your vital California health plan coverage is always in force working to protect your wellbeing.
• Applying for medical benefits? Now is a great time to go for convenience: At the same time you are applying for your medical coverage with certain carriers like Anthem Blue Cross and Blue Shield of California, you can also apply for California dental insurance and/or California life insurance in the form of affordable California term life insurance! This convenience for the California health insurance consumer is a bonus benefit to busy Californians with a hectic family and work schedule!

That’s an overview of the application process for your new California health insurance plan. Have questions or need more information about the application process? As always you can reach out to us via our website or call us toll free at 800-607-1950 for our always free client services!