As we approach the end of 2010; the Vitality Blog is here to let you know that for California health insurance shoppers, Vitality is where it’s at with the best and most affordable California health insurance plans ranging from child only health plan strategies for your kids to Medigap plans for parents and grandparents!
With just days left in the Annual Election Period for Medicare Advantage and Part D Prescription Drug Plan enrollment here in 2010 and the startup of the open enrollment period for child only California health insurance plans scheduled to start January 1 and run until March 1, 2011, we’re reminded of why Californians of all ages from around the state are fans of Vitality! We feature the best buyers guides for California health insurance plans; the ability to quickly and easily apply online for California health insurance plans and Medigap here at our website (Or download a paper application for a California health insurance plan or Medigap plan if that’s your preference!) as well as the Vitality Blog which is dedicated to helping not only health insurance shoppers but California consumers on the lookout for California life insurance – which can include affordable California term life insurance plans – and a host of other insurance strategies too!
That’s right California! If you’re looking for insurance strategies that can take you the distance through a life lived well here in our great state and have the peace of mind that comes with the right insurance strategy, Vitality is for you! In addition to a California health insurance strategy that will be uniquely right for you – from the youngest child to clients on the lookout for affordable Medigap plans to supplement their Medicare coverage, we’ve got the health insurance needs of Californians covered. We also feature the best and most affordable life insurance, California long term care insurance, disability insurance – we even offer the best in California travel health insurance strategies for travel abroad!
As we close out 2010 and look forward to a New Year, we want to sound the alert that Vitality is not only dedicated to continuing its role as an independent authorized agency representing plan options from leading California insurers and providing our always free personalized one-on-one client consultations and services that are designed to help you quickly and easily navigate the sometimes complicated world of insurance, but we’re also dedicated to retaining and building on our reputation as one of the Web’s best resources for clear, concise information about these same insurance strategies. We realize that while some consumers desire the personal touch we’re committed to providing California residents, we’re also aware that certain segments of the community want a do-it-yourself 100% autonomous buying experience when it comes to searching for and buying their health insurance products. Thanks to a Web presence we’re consistently growing with new information and insight on developments in the world of health insurance – keeping consumers informed and up to date on the world of California health insurance post Health Reform – Vitality is your reliable California resource for buying health insurance online!
Whatever your unique health, life, or other supplemental insurance need, Vitality is here to help: Please contact us via our Vitality website or call us toll free at 800-607-1950 and let’s get started developing insurance solutions that are uniquely right for you and your family in 2011 and beyond!
California health insurance shoppers on the lookout for the best and most affordable child health insurance California parents and guardians can rely on, there has been a recent development you should be aware of: Leading California health insurance plan companies such as California Blue Cross company Anthem, Aetna, Health Net and others like Cigna have announced they will resume sales of child only health plans beginning January 1st.
These companies will rejoin a market segment where only Blue Shield of California had been offering child only plans to the estimated 80,000 children in our state who are not presently insured through a family health plan or the group health insurance California employees may receive through their employer.
Insurers had left the child-only health plan market back in the fall of this year out of concern over how Health Reform mandates had been written as it relates to child only health plans. Since that time, California state legislation along with new guidance from the California Department of Insurance have been set forth and the insurers made a decision to reenter the marketplace at the start of the new year.
According to the guidelines set forth by the California DOI, the initial Open Enrollment Period (OEP) for children to be covered on non-grandfathered individual policies is January 1, 2011 to March 1, 2011, inclusive. Each subsequent OEP is specific to the child and is the full calendar month of the child’s birth date each year. There are also criteria set forth in the DOI Guidance for a Late Enrollment Period (LEP) that are worth noting for parents and guardians as well.
Purchasing a child only health plan outside of either the OEP or LEP will result in higher premium rates so it’s well worth it to the consumer to be ‘calendar-aware’ when it comes to shopping for a child’s health coverage moving forward.
As we’ve mentioned in previous posts, we’re fans of the Blue Shield of California plan lineup – specifically, their Blue Shield Balance plans for child only health plan strategies, but we’ll also be reviewing and reporting on the health plans of other insurers moving forward as it relates to each carrier’s ability to craft child-specific health plans that meet both performance and cost objectives.
As regular readers of the Vitality Blog know, we keep a close watch on developments on the California health insurance landscape, checking the horizon for news that can affect both current and potential consumers of health coverage here in the state. While free quotes for individual California health insurance plans and the ability to readily apply online for California health insurance plans are the norm here at Vitality online, we are also dedicated to using our website and accompanying Vitality Blog to deliver great buying guides for California health insurance as well as updates on the world of California health insurance for the consumer who wants to stay informed about this important element of every family’s financial planning strategies.
While you can get a lot of great information here at Vitality online, you can also rely on our ability to deliver personalized one-on-one client consultations that are always free and always arranged at a time that is convenient to you and are geared towards removing the sometimes complicated jargon of insurance out of the conversation and replacing it with clear, concise information that can help to ensure peace of mind as you make important decisions about your family’s health coverage needs. Want to learn more about finding a California health insurance strategy that is uniquely right for you and your family? Contact us here at Vitality online or call us toll free at 800-607-1950.
Here at Vitality, we know it takes all kinds of California health insurance shoppers to make a consumer marketplace: When shopping for the best and most affordable California health insurance plans, some consumers want a lot of interaction with the Vitality California health insurance team. Others want to serve themselves: They want to secure one of our always free quotes for California health insurance plans here at our site; select the California health insurance strategy that is uniquely right for them; and apply online for a California health insurance plan – without interacting with members of our team.
We got to thinking about this the other day when we visited Healthcare.gov and read the commentary about the ‘new consumer protections’ Health Reform would create for residents of California and all around the country. Let’s take a closer look:
- Health Reform legislation calls for the creation of Healthcare.gov where consumers can compare health insurance coverage options and pick the coverage that works for them. Here’s great news Californians: We’ve got that! Here at Vitality online you can visit our website and accompanying Vitality Blog where you can have free access to an amazing array of California Health Insurance Buyers Guides, important information that can help you review and select the health plan option that’s right for you and review an array of plan choices via our always free health plan quote engine!
- The ability for States like California to apply for federal grants to help establish Consumer Assistance Programs that would in part be used to help consumers navigate the private health insurance system and to enroll in health coverage. We think that’s great and as an example of how that might work perhaps we could look to the Health Insurance Counseling and Advocacy Program operating here in the state and providing free and objective information and counseling about Medicare. But you know what? Members of your Vitality California health insurance team are licensed insurance professionals who are dedicated to helping members of every community here in California find the best and most affordable health option. We do that in-person, by phone, and also by way of our website which we’re proud to say contains a Vitality Blog with over 300 articles that are all about helping the California consumer find the best and most affordable insurance strategies. Our client services are always free. 100% free. Talking with us never involves a fee nor is the consumer ever obligated to buy anything from us. We are committed to providing a trustworthy, reliable, and always free resource for the California health insurance consumer and to always be dedicated to delivering our services with a commitment to Total Quality.
- Other changes mandated by Health Reform legislation? New Innovations to Bring Down Costs; Reducing Paperwork and Administrative Costs; and an array of other advances to our nation’s health care system which we’re enthusiastic about – so much so, that you can already see us practicing these advancements here at Vitality: New innovations? How about working diligently to provide the single best online consumer experience when shopping for health insurance in California. Reducing paperwork? We’re already there! You can quickly and easily apply for a California health plan or Medicare Supplement plan online and never touch a piece of paper!
The future is now here at Vitality online: Want to know more about what makes us the best online and offline resource for California health insurance? Contact us via Vitality online or call us toll free at 800-607-1950 and let us help you combine the best of California health insurance plans with the consumer advantages we’re dedicated to delivering to the California health insurance consumer.
