It’s that time of year California health insurance plan owners! If you have one of our affordable California health insurance plans to protect the domestic healthcare needs of yourself and your family while residing here in the United States; here’s an important reminder if you’re planning a trip overseas for fun and adventure this summer: We have a great lineup of California travel health insurance plans that will provide important peace of mind when traveling abroad this year!

If you have a health plan from California Blue Cross company Anthem or Blue Shield of California, you understand the peace of mind that comes from knowing your access to the BlueCard program has got you covered wherever you may find yourself traveling here in the States. Live in San Diego and traveling to see the majestic mountains of Colorado? Live in Sacramento and planning a family adventure to Mount Rushmore? Maybe you have a hankering for the Florida Everglades? With BlueCard, you have the peace of mind that comes from knowing you’ll have in-network healthcare options throughout the United States should sudden illness or injury strike you or a covered family member.

On the other hand – if you’re traveling overseas this year; make it a point to check in with your health insurer and find out exactly what your domestic health insurance will cover in case of illness or injury when you find yourself outside the United States. Dealing with injury or illness in a foreign country is stressful enough, but the potential for financial hardship is there as well without appropriate coverage. Here’s what we like best about traveling with a purpose-built travel health insurance plan in hand to protect yourself and your family: With a company like HTH – with its affordable strategies at the ready here at our site – you now have a plan in hand from a company that deals specifically with the healthcare needs of world travelers.  Think about it: A quick, easy access point for anything ranging from helping you locate a pre-qualified English-speaking doctor to helping you access the specific prescription medicine you need in your destination country should your own prescription medicine go missing in a lost suitcase, to perhaps even an emergency airlift! Anybody who’s travelled knows the unexpected can and does happen and just a bit of planning for the unexpected can mean the difference between a slight bump in the road or a major pothole that swallows up time, money, and the enjoyment you had hoped to find on a vacation trip of a lifetime.

As is always the case here at Vitality online, you can secure a California health insurance plan quote or your travel health insurance plan quotes for free here at our website! And: Online we’re open 24/7! So, if planning and packing for your trip has made life so hectic the notion of getting a travel health insurance plan has slipped your mind – there’s still time!  As always, our client services are free: Let us know how we can help by contacting Vitality online or call us toll free at 800-607-1950!

Updates, updates, updates! The Vitality California health insurance website and blog is your up-to-the-minute update resource for consumers of California health insurance plans and for those shopping for affordable California health insurance plan strategies!

The other day we brought you news of Blue Shield of California’s decision to freeze prices on premiums for the balance of 2011 and its monumentally positive impact on a health plan market that was seeing ongoing rate increases. It’s worth noting that since the Vitality Blog came into existence it has been responsible for generating an array of materials that serve the California health insurance consumer: Featuring great California health plan buying guides that provide clear, concise and easy-to-understand guidance on finding the health plan buying strategy that is uniquely right for you, your family – even your California small group health insurance buying needs – we’ve used the power and convenience of the Web to craft an important communications channel with both potential and existing clients.

We’ve also used this venue as a great way to communicate information and buying strategies for a host of other important insurance strategies we represent to the marketplace: From California life insurance to California long term care insurance and beyond – and by beyond we mean the valuable peace of mind you’ll get from owning a California travel health insurance plan when you travel beyond our country’s borders! Whether you’re traveling overseas for business, pleasure, or an adventure of a lifetime, Vitality Health Insurance Services is your online resource for insurance information and easy, convenient online plan buying.

While we’ve focused this article on our easy, convenient – and always free! – online capabilities and client services, it’s also worth noting that each and every time you interact with a member of our team – be it for consultation on finding the right insurance strategy for you, the purchase of an insurance plan, or to get service on an existing plan, all of our client services are 100% free. Always and without exception. And that’s today’s takeaway message: If you’re shopping for a health plan quote, you are under no obligation to speak with a Vitality team member when you want that quote: You can get a free California health insurance plan quote 24/7 here at Vitality online, but it’s also important to know that if you want to speak with a licensed insurance professional here at Vitality about the health plan strategy that is uniquely right for you, it will never cost you anything nor will it ever add to the price of your new plan.

Our client services are always 100% free with all of our services paid for by the California health insurance companies we represent. And this is also probably a good time to mention one other important thing about Vitality: We are an independent authorized agent for the leading health insurers here in the state: From the versatile plan lineup of Anthem Blue Cross to the wide variety of Blue Shield of California’s plan lineup, as well as the plans of Aetna and others, we feature a wide array of plan options for you to choose from: This variety means you have the power of choice and the buying power that comes with having numerous options to choose from when shopping for a health plan that is uniquely right for your health care needs and family budget moving forward.

Want to learn more about our impressive range of plan options? Visit and contact us at Vitality online or: Call us toll free at 800-607-1950! We’re here and ready to help you find the best and most affordable California health insurance strategy!

We’re sure you can all agree: California health insurance consumers could use some good news! Well here it is owners of California health insurance plans from Blue Shield: The Company just announced that it is freezing prices for the balance of 2011! That’s right: The Company will not increase rates to any individual or family plan member for the remainder of the year – other than for these situations:

Rates will be adjusted if a member changes family status; moves to a new region; or if a member ages into a higher age-rating category. Blue Shield changes rates based on age every five years, at the time of the member’s birthday.

Other than that, if you own a BSCA health plan, you can count on your premium staying level for the balance of this year. In a time and place where premium increases seem to permeate the news on a regular basis, this is indeed welcome news. What’s more, if you’ve been on the fence about buying a health plan, this is only March! You can buy an affordable California health insurance plan from Blue Shield of California and rest easy for the next nine months. That’s great peace of mind added to the peace of mind that comes with knowing you have a California health insurance strategy that is there for you and your family should sudden serious illness or injury strike.

These days, everyone is looking for ways to combat the effects of a lingering tough economy. With Blue Shield’s consumer-friendly declaration and Vitality Health Insurance’s always free quotes for California health insurance plans and our always free, careful, and concerned client consultations at a time and place that fits your schedule, we believe there’s no time like the present to secure a quote for your individual or family health insurance plan strategy. And here at the Vitality website and accompanying blog, it’s never been easier to gain great insight into buying strategies for a California health insurance plan: We feature numerous easy-to-understand California health insurance plan buying guides, written in clear, concise language that can give consumers the insight they’re on the lookout for to make sound buying decisions about insurance products that fit your budget for the long run.

Remember too: Even though we’ve been talking about the individual California health insurance plans younger consumers might be on the lookout for, we also feature a number of innovative health plan strategies for consumers of all ages too. How about a HSA health plan strategy that is great for both younger adults and older Californians who can benefit from the HSA’s ability to help you save for both projected health care costs and future California long term care insurance needs. We also feature great Medigap plan strategies for consumers transitioning into Medicare and on the lookout for a Medicare Supplement plan quote!

Vitality is all about versatility and we’ll be happy to discuss your unique health plan needs at your convenience: Contact us here at Vitality online, or call us toll free at 800-607-1950 and let’s get started on a money-saving health plan strategy for you and your family today!

California health insurance consumers: Ready for some good news when it comes to finding affordable California health insurance plans? The Vitality Team and the Vitality Blog are here to help you get the information you need to start saving a ton of money on your next CA health plan purchase!

We understand: Premium increases for many Californians who presently use an individual California health insurance plan strategy to insure the health care needs of themselves and their family have been announced. While these increases are presently on hold as the methodologies used to calculate these rate increases are under review by auditors, it’s likely individual plan owners will experience increases in the coming months. Here’s where we can help: Let’s talk about shopping around for a different health plan from another California health insurance company. It literally costs nothing to work with an independent authorized California health insurance agency like Vitality and it also costs you nothing to apply for a new health plan with another company. If there are any bargains to be found in the individual California health insurance plan marketplace at present, it is surely the careful, considerate one-on-one client consultations we provide at no charge and at your convenience. You never pay for the services Vitality provides as all fees are paid by the insurance companies.

Another point worth considering: One great feature about the California health insurance plan marketplace is that there is no lack of plan options for you and your family: We represent CA health plans from market leaders such as Anthem Blue Cross, Blue Shield of California, and Aetna to name just a few. These companies have introduced a large array of plans to meet virtually any type of budget and health benefits need and we’re here to help you quickly and easily navigate the important range of plan options available to you.

It’s worth noting too that you can quickly and easily secure free quotes for California health insurance plans here at the Vitality California health insurance website and can also apply online for the California health insurance plan you like via our website as well! Our impressive range of plan options means buying power for you and your family: Don’t like the premiums you’re paying now? Use the Vitality website and blog to investigate new money saving strategies for your California health insurance and apply now for a new health plan strategy from another company if it suits your budget and your health care needs moving forward! Remember too: If you want to stay with your current health insurer but can’t abide the higher premiums that come with your present plan it’s important to speak with your present insurer or agent and find out about making the cost saving switch to a different plan with a different set of plan benefits.

As always Vitality is here to help you save money and achieve satisfaction with your choice for a California health insurance plan: Contact us online at our website or call us toll free at 800-607-1950, and let us help you save a ton of money on your next California health insurance plan strategy! Nobody works harder to save you money on health insurance than Vitality!

One thing California health insurance plan owners know only too well: Premium rates for individual California health insurance plans are – unfortunately – on the rise. That’s why we urge you to use a new benefit that is available to all new health plan owners: Free preventive care that is available on all new health plans that covers you 100% for all in-network nationally recommended preventive care services you receive.

A routine physical exam, health screenings and immunizations are important steps in preventing the onset of illness, staying healthy and – let’s face it: There’s also a financial incentive too – When you keep yourself and your family on a regular routine of health living lifestyle choices like proper nutrition, regular exercise and the use of preventive health care services, you are helping to prevent the possibility of more costly medical issues later down the road. Preventive care and early detection keeps you and your family on the path to good health, improves the quality of life, and increases the positive effectiveness of treatment regimens. In short, it’s a winner all the way around!

If you’re a regular reader of our Vitality California health insurance blog, you know one thing for sure: We advocate strongly for the use of your free preventive care services that are part of your plan benefits along with seeking and securing consumer savings wherever possible. We talk regularly here about the great benefits offered consumers by the always free, always caring concerned one-on-one client consultations we provide consumers; our always free California health insurance plan quotes; and our dedication to providing great California health insurance consumer buying guides here at the Vitality website and accompanying blog.

As a California health insurance consumer, you might be doing some regular reading of media reports about Health Reform – there have been many such reports with some negative and some positive reporting on this vital national issue. To our way of thinking, one of the single best features of the PPACA legislation passed in March of last year was the mandate for free preventive care services to those plan members who secured these services through in-network providers. There’s no downside to the ability of plan members to secure the type of important preventive care services that will keep you and your family on the road to good health and away from the possibility of later costly medical procedures that can impact everyone’s premium rates moving forward. Now there’s just one problem here – can you spot it? We have to get you to use these important preventive care services! So, please, if you’re reading this blog and have a health plan that features these free preventive care services – or are about to apply online for a new California health insurance plan or about to download one of the paper applications for California health insurance plans found here at our website: If you have or are about to have these preventive care  services as part of your plan’s benefits, please make use of them! They are one of your best weapons in the fight against ill health and serious and costly medical issues and procedures later in life.  Have questions about this or other subjects related to your new or existing California health insurance plan strategy? Contact us here at Vitality online or call us toll free at 800-607-1950. Thanks…and please make that appointment. You owe it to yourself and you owe it to your family and it’s yours as a California health insurance plan member.

Savvy California health insurance consumers want what we have here at the Vitality California health insurance blog: The very latest updates and news you can use from the world of California health insurance. Here at Vitality online we not only feature the best and most affordable California health insurance plans presently available to California residents of all ages, we also feature great California health insurance buying strategies along with the very latest updates from the world of health insurance in California!

Here at the Vitality Blog you know us as a great resource for a plethora of information that includes great information and buying guides to help consumers buy affordable California health insurance plans. We routinely dedicate ourselves to bringing important news about the California health insurance scene to our readers, their friends, family and coworkers. Today we’re going to add yet another value added feature to our blog: A quick roundup of updates from the world of health insurance – let’s get started, shall we?

• Just a reminder that open enrollment season for child-only California health plans ends March 1, 2011. Here’s a PDF courtesy of the CA Department of Insurance that provides parents and guardians with important information about what comes next.

Child Only California Health Plan Open Enrollment Information

• Are you a small business owner and in search of a strategic partner to your business that can bring experience and expertise to the process of helping you find good affordable health coverage for your valued employee team? Vitality is here for you! Section 45R of the Internal Revenue Code offers a tax credit to certain small businesses that provide health coverage to their employees. Section 45R was added to the code by the PPACA – Patient Protection and Affordable Care Act. Have questions or concerns about how tax credits can help you place vital health coverage in the hands of your employees? We’re here to help with our always free client services to both individual consumers and small group California health insurance shoppers!
• Blue Shield of California has just announced that it is extending its popular special open-enrollment period for California Medigap plans through June 30, 2011! That’s right: If you presently own a Medigap plan you may transfer to any open BSCA Medicare Supplement plan offering benefits equal to or lesser than those provided in your current plan without going through underwriting. Individuals enrolled in another carrier’s plan can just submit a new application – and Replacement of Coverage form – without having to complete a health questionnaire. An affordable California Medicare Supplement plan from Blue Shield of California can be yours with this open enrollment opportunity!

You know we’re always looking for new topics to write on and present to our readers here at the Vitality Blog: If you have a subject that you’d like us to cover here at the Blog, please leave a comment or contact us at Vitality online. You can even call us toll free at 800-607-1950 – we’re here, ready, willing and able to serve you with our always free one on one client consultations, our always free California health plan quotes, and our nonstop dedication to providing outstanding client value and service to residents from around the state. Thanks for reading the Vitality Blog and as always we hope you’ll make us a part of your Web browser’s ‘favorite’s list’!

However; here’s something you should know:  Young adults in our state can still find a readily available and affordable California health insurance strategy that is uniquely right for them and at premium levels that are actually below some cell phone rate plans! Please don’t let media reports, assumptions, or indecision distract you from making a smart financial decision that can positively impact your life and your finances for a good, long time to come.

Just yesterday we read a financial advice column that once again drove home the value of at least owning a low-cost catastrophic health plan strategy: A 26 year old with no health insurance facing the daunting task of paying off a sudden $20,000 hospital bill versus the prospect of filing for personal bankruptcy.

We understand. We know that a young person faces certain unique financial realities: Limited budget; health and vigor that beget a feeling of invincibility; the desire to spend disposable income on other, more interesting and more immediately fulfilling pursuits, all make for an unfortunate recipe when it comes to shopping for something as mundane as a health insurance plan. But – just like maintaining your good credit and maintaining good spending and savings habits that will serve you well in the years to come – securing a free California health insurance plan quote and following up with the purchase of your own CA health plan, this is one financial decision that is on every personal finance Top 10 list!

It’s worth noting too that all new health plans sold now feature free in-network access to nationally recommended preventive care services. That means all young adults now have access to the type of important preventive care services designed to keep you feeling… well….invincible!  That’s worth noting because the use of preventive health care services combined with a healthy living lifestyle like good nutritional choices and regular exercise are proven winners in maintaining good health and helping to prevent the possibility for more serious and expensive health issues later in life. To our way of thinking, that new health plan is a winner all the way around!

Young adults are also Web-savvy consumers, so buying a California health insurance plan online is as easy a process as you can imagine. It’s your choice here at Vitality online: A quick, easy online application process for your new health plan or downloading a paper application for California health insurance. Our experience and expertise make it even easier: Have you reviewed our wide range of health plans here at Vitality online and have questions about which strategy is uniquely right for you? We’re here to help with our always free personalized one on one client consultations that can be arranged at a time and place that is convenient to your hectic schedule. Call us toll free at 800-607-1950 or contact us here at Vitality online and let’s find you the best and most affordable California health insurance plan uniquely right for you.

Hi there California health insurance shoppers! Look who’s back: California Blue Cross company Anthem is greeting 2011 with a great new lineup of affordable California health insurance plans. For several months, there were a limited number of Anthem plans available to the marketplace. Now, after an extended period where only a limited number of Anthem plans were available to the marketplace at large, Anthem is back in a big way!

Now Anthem has an array of plans that are in place to meet just about any California health insurance strategy and feature the strong network of California health care providers to serve your needs, the ease and convenience of the BlueCard for folks who travel throughout the country for work and pleasure; innovative online health and wellness tools; and also can come with important California dental insurance and California term life insurance plan options to give you and your family a more comprehensive suite of insurance strategies to protect your family’s health and financial wellbeing.

Californians on the lookout for their fast, convenient and always free California health insurance plan quote will now see an array of Anthem health plan options amongst their choices here at the Vitality website: As an independent authorized California health insurance agency serving the entirety of our state, our health plan lineup features the affordable California health plans offered by industry leaders such as Anthem Blue Cross, Blue Shield of California, and Aetna to name just a few. Vitality offers versatility and variety for the health plan shopper: With a wide variety of insurance plans and companies to choose from the buying power rests with you the California health insurance consumer and we’re here to help with our always free, always careful and considerate client consultations dedicated to helping you find the health plan strategy that is uniquely right for you and your family.

Anthem Blue Cross plans back out on the marketplace include an exciting array of plan options ranging from Anthem’s innovative Clear Protection Plans which feature affordability and the important peace of mind that comes with knowing you have the coverage you need should catastrophic injury or illness suddenly strike; another option offering plan simplicity, affordability and important protection against catastrophic medical expenses is Anthem’s CoreGuard Plus Plans. SmartSense Plus Plans feature affordability along with the ability to see your doctor three times during the course of a calendar year at the low cost of a copay and without the need to meet an annual deductible. Want enhanced prescription drug coverage and the ability to have a Smart Sense Plus Plan that features the peace of mind that comes with important brand name prescription drug coverage? You can customize your SmartSense Plus Plan with the Upgrade Drug Coverage option that brings your annual deductible for brand name prescriptions down to $500!

Want a HSA-compatible health plan so you can reap the many great cost and tax savings advantages of the HSA? Anthem has what you’re looking for with its innovative lineup of Lumenos HSA Plus Plans for both single subscribers and family subscribers! And here’s an important point to remember on all new Anthem health plans out on the market in 2011: All these new plans are compliant with the Patient Protection and Affordable Care Act (PPACA) mandated benefits – that means each plan features important access to preventive care services for nationally recommended services such as well-child care, immunizations, PSA screenings, pap tests, mammograms and more all at 0% coinsurance if these services are secured from an in-network provider!

It’s great to see this impressive lineup of plan options back out on the market. With more plans to choose from consumers have more options and more options mean more buying power and savings for the consumer. Want to chat about these new Anthem plans and create new savings opportunities for you and your family’s health coverage options? Contact us via Vitality online or call us toll free at 800-607-1950 and let’s get started creating a new health plan strategy for you today!

Hello California health insurance shoppers! On the lookout for child health insurance California parents and guardians can rely on for children’s health care services? Vitality has the plans you’re looking for! But here’s where we have to also alert you that if you’re looking at the Vitality California Health Insurance website and its consumer-friendly fast, easy, and convenient California health plan quote engine, you won’t find them here online. For child only health plans you’ll have to reach out to us via our toll free 800-607-1950 number or contact us here at Vitality online.

Carriers offering child only health plans here in the state – and this includes industry leaders like Anthem Blue Cross, Aetna, and Blue Shield of California – do have child only plans to offer the consumer but at present it is necessary that you contact an independent authorized agency – like Vitality – to secure a personalized quote from your agent. While we understand this approach is a time consuming process for consumers here in the state who already have hectic work and family obligations, we promise to provide a speedy consumer experience and bring our caring, concern, expertise, and experience to the process and help lessen the inconvenience or stress you may feel in securing this very important health insurance strategy for your family. Just a reminder: We are right in the midst of the 2011 open enrollment season for child only health plans!

Blue Shield of California is offering the marketplace its full range of health plans so you can select amongst such popular options as the Balance Plans, the Vital Shield Plus or any of the other members of the Blue Shield health plan lineup for your children. You can also save time by reviewing one or some of the many articles we’ve posted here at the Vitality Blog that can inform and enlighten readers on great health plan buying strategies for these types of child only California health insurance plans as well as other California health plan buying strategies! That’s right: The Vitality website isn’t just a great place for a fast, free California health insurance plan quote – it’s also a great online resource to help you find the California health insurance strategy that is uniquely right for you! We’re dedicated to creating and maintaining California’s most convenient website for California health insurance plan shoppers!

We hope you’ll agree, and make it a point to list us in your Web browser’s favorite’s list for your own convenient referral on a host of insurance subjects ranging from health insurance options here in the state to California life insurance or even California travel insurance should the time opportunity for travel abroad arise! We also hope you’ll share news of our site with friends, family, and coworkers. We’re proud to serve all of California and its residents from all around our great state. Please call us or write today and let us know how we can assist you in the search for the best and most affordable California health insurance available – we appreciate your business and our client services are always free. Always 100% free.

Consumers on the lookout for affordable California health insurance plans have seen the trend: The annual deductibles and maximum out of pocket features of the more affordable California health insurance plans are heading higher.

While that in itself can be a discouraging notion to consumers, there is an important option to consider when looking for the California health insurance strategy that is uniquely right for you: The option of buying a great California health insurance plan product that is the HSA-compatible high deductible health plan. As we have discussed many times here at our Vitality Blog with our numerous buying guides for California health insurance plans and specifically our many articles on the consumer advantages of the Health Savings Account, the HSA-compatible health plan offers not only typically more affordable monthly premiums but also the opportunity to save money for any future qualified medical expenses within a tax-advantaged Health Savings Account!

Right along with our always free quotes for California health insurance plans here at our website, along with the ability to download paper applications for a California health insurance plan of your choice, we feature an impressive array of clear, concise information and blog articles that talk about the most cost effective way to create winning health insurance strategies for residents of our state.

We’ve all seen the news: For some, the cost of health coverage is rising. One clear option is to secure a health plan strategy that will cover you and your family in the event of catastrophic health events. We all know that in line with rising health insurance costs there are rising health care service costs too: Going without insurance and dealing with a major illness or injury for yourself or a family member can devastate your family’s finances. Medical bankruptcies can and do occur in this country so while catastrophic health plans do come with higher annual deductibles and maximum out-of-pocket costs, they are still a consumer’s greatest asset in protecting a family’s long term financial wellbeing.

Fortunately, there is one product concept that has the potential to lessen the negative connotation consumers might associate with a high deductible plan – and that is the opportunity to match up a high deductible plan with a Health Savings Account option! These HSA plans give the individual an opportunity to save $3,050 annually in a tax advantaged Health Savings Account – while a family using a HSA plan strategy can save $6,150 – allowing plan owners to save for anticipated future health care expenses within a tax advantaged account. The amount of your HSA savings should eventually offset the high annual deductible of your health plan. An added bonus can also come in the form of tax deductions for your HSA contributions!

The HSA is a positive for the California health insurance consumer: Removing the negativity associated with high annual deductibles and out of pocket maximums and replacing those features with a real opportunity for personal savings growth in a tax advantaged account, the opportunity to save money on health coverage with lower monthly premiums, and the peace of mind that comes with knowing a catastrophic injury or illness no longer has the ability to devastate your family’s finances.  Contact us here at Vitality online or call us toll free at 800-607-1950, and let’s chat about how this important health plan strategy can be your winning strategy in the face of rising health coverage costs! We’re health coverage consumers too and you’ll find us to be caring, compassionate and always appreciative of the opportunity to serve your California health insurance needs.