Is your current health insurance Agency devoted to a path of continuous improvement and all about finding your company the best and most affordable California health insurance strategy for your business? Whether you’re an individual California health insurance consumer or purchase the group health insurance California businesses provide for their valued employee teams, you should always have an Agency working on your behalf that brings innovation to the process of finding new ways to save on your California health insurance strategy! There are just too many California health insurance plans to choose from for a California business to not actively review their options at each renewal or even sooner if need be.

California businesses that provide health insurance benefits for their employees saw their costs rise over 8% in 2010. In 2011, costs are expected to rise by more than 12%! The single best thing a California business can do right now is have the peace of mind that comes with knowing they have an independent authorized agency that brings experience, expertise, and innovation to the process of helping your company seek out savings without sacrificing performance. If you don’t have that, your company may be leaving money on the table with outdated health plan strategies in place that are costing your company more and more money each year while the benefits your employees are receiving may actually be insufficient to both their needs and preferences.

What do we mean by that? Well as for the first part; the statistics say it all: The cost of providing health insurance benefits is rising. That’s bad enough. To add to the problem; there’s the second part of the equation: You may be offering health plan strategies such as certain PPO, HMO or other types of health plans that are simply out of step with what health insurance consumers want these days and what employers around the state are already using to help cap rising health care costs. That could very well be putting your company at a competitive disadvantage.

Let’s look at an example: Your company offers a single PPO plan with a high annual deductible. Your employees must meet the deductible before their coverage provides benefits. Here’s where your Agent can show you how offering a PPO plan in conjunction with a money-saving HSA-compatible health plan that can offer lower premiums – which can save employer and employee alike if both are contributing – along with a great opportunity for your employees to reduce their annual tax burden and become more empowered about how their health care dollars are being spent. The HSA also offers a great strategy to pay for a wide array of health care needs that can include medical, dental, and vision!

Here’s another scenario: You have a one-size-fits-all approach to your company’s health benefits. But – you have a broad spectrum of employees! Younger, single employees on a budget with few if any ongoing health care needs might gravitate towards the aforementioned HSA-compatible health plans with their free access to preventive care, lower premiums, and peace of mind catastrophic coverage. Others in the spectrum – like employees with family – might gravitate towards the ease, convenience, and cost-certainty of an HMO. And you know what? You may have some older, empty-nester employees who also have a preference for the HSA with its Health Savings Account feature which can be used to reduce taxes and save for post-retirement health care costs or even a qualified California long term care insurance plan!

Bottom line: Whatever your business; you know these are highly competitive times. Boosting productivity and keeping tight controls on operating costs is the order of the day for businesses of all sizes, types, and from all over the state. Boosting employee morale and reducing turnover is also a great way to positively impact your company’s productivity! The Vitality California health insurance team is the resource you can count on to help control your health care costs without sacrificing performance and in fact: It’s a Vitality core competency to reduce your costs while providing an enhanced range of plan options that excite employees, boost morale, and help reduce turnover!

Is your current group health insurance California agency doing that for you? Are they proactively bringing you innovative health care benefits strategies that are out in front of the curve and helping you control these costs so that your company and your employees benefit? They’re not? Then isn’t it time you contacted Vitality for a free group health insurance California plan quote or called us toll free at 800-607-1950 – we’re ready, willing, and able to get started immediately on a new health benefits strategy that is uniquely right for your California business. All of our client services are free: We’ll deliver a free, no obligation plan review and proposal and help get you started on a new path to savings without delay!