For California health insurance consumers – be they individuals who are shopping for an affordable California health plan for themselves and/or their family or perhaps a California small business owner on the lookout for group health insurance California business leaders can rely on for performance and cost efficiency – one of the best characteristics of California health insurance companies which might have been obscured in the negativity about the industry in the period leading up to Health Reform is that health insurance companies do provide important support to plan members in the form of great healthy living tools and tips.
Think about it: The California health insurance company whose plan you own wants you to stay at the peak of physical good health. They have a vested interest in helping you stay healthy and to also become better equipped to effectively deal with or forestall the effects of chronic medical conditions. Even before Health Reform, health plans typically featured some form of preventive care services and now with Health Reform, all new health plans sold on or after September 23rd, 2010 will feature preventive services covered by the Affordable Care Act and which will be covered by your plan without charging you a copay, co-insurance or deductible – provided that these services are delivered by a network provider.
Vitality Health Insurance Services works with a range of leading California health insurance companies like Blue Shield of California that offer online programs dedicated to helping its members adopt and maintain healthy lifestyles. If you already have a health plan and have questions about launching your pursuit of a healthy living lifestyle with the assistance of your health insurance company’s online offerings or you’re shopping for a new California health plan and would like to know more about this feature for plan owners, reach out to us and we’ll help you secure the information you’re after – we want to help you maximize each of the benefits California health insurance companies are making available to members from around the state!
A quick reminder: This also relates to California small business owners! Healthy lifestyle tools are readily available for your employees! Healthy employees, choosing the benefits of important health choices like regular exercise and proper nutrition are happier, more productive employees with less instances of absenteeism: That’s a boost to your company’s overall productivity and bottom line!
When shopping for a California health insurance plan, you might tend to think of it as a “me” product. You’ll fill out an application that is all about you and you tend to think in terms of what you specifically will need in terms of balancing out benefits with premiums for that California health insurance plan you’re looking to buy.
You might actually go into the shopping process for a California long term care insurance plan with that same mindset. But you might want to think about your long term care insurance planning in a different way: Have you thought about how your inability to perform activities of daily living as a result of a physical impairment or dementia caused by Alzheimer’s or other conditions would impact the lives of family or friends who would be responsible for your care and wellbeing?
If it can be said of considering whether or not to get a quote for a California long term care insurance plan that the client would really prefer not to think in ‘those terms’ – needing long term care at some point in their life – then it can almost certainly be assumed that many people also haven’t considered the impact that their inability to care for themselves would have on the quality of life of a spouse or caregiver who would need to step in and be responsible for that client’s continued wellbeing.
When considered in this context, the creation of a long term care strategy leaves the realm of being about ‘me’ and becomes more about ‘us’. The us in this case might be an older couple with little or no family support system, or an older parent reliant on the caregiving of a working adult son or daughter.
While long term care can be about the structuring of a financial strategy that pays for the cost of a private or semi-private nursing home room for the client, it can also be about helping to defray the costs of a home health aide or adult day care facility in the event your primary caregiver needs to work or even needs a well deserved break from caregiving duties.
Being a caregiver is a stressful responsibility and the vital financial assistance that a California long term care plan can offer can be a source of great comfort and peace of mind to you and the person or persons who will be focused on maintaining your satisfactory quality of life moving forward.
As we will always strive to do here at the Vitality Blog we endeavor to not only provide important buying strategies for the California insurance products we represent, but also provide important resources that will help the reader connect to community services in their area that can be of assistance to our older readers and their families. Vitality is dedicated to serving the California community we all call home. If the contact information for the community resources you see here at our blog still leaves you with questions or concerns, reach out to us here at Vitality and we’ll reach back with the caring concern you and your family deserves!
Here’s important news for anyone shopping for California health insurance: The Affordable Care Act’s impact on the California health insurance consumer’s ability to have easy access to preventive care kicks into high gear starting September 23, 2010!
If you or your family enrolls in a new California health insurance plan on or after September 23, 2010, then that plan will be required to cover recommended preventive services without charging you a copay, co-insurance or deductible – provided that these services are delivered by a network provider.
Check out the list of preventive services covered under the Affordable Care Act.
Please note: If you have a California health plan you already like and want to keep you should be aware that some plans that were in effect on March 23, 2010 – and not significantly altered thereafter by the insurance company – will be grandfathered under the terms of the Affordable Care Act legislation. These grandfathered plans are not subject to the new preventive services policy.
The drive for more covered preventive services will have a positive effect on the health of state residents: Accessibility to covered preventive services like vaccinations and smoking cessation will protect and improve the health of those who receive such services while still other services like cancer screenings and the like will play a significant role in preserving the long term health of those patients who are proactive about their health and wellness strategies. A more proactive and health-aware population – reaping the benefits of preventive services – will also play an important role in removing some of the major cost drivers in our country’s health care system.
For the California health insurance consumer who is on the lookout for new health coverage, the new preventive care policies being put into effect by Health Reform offer a great way to unite a healthy living lifestyle with attention to exercise and good nutrition – combined with important and now easily accessible preventive care services – to form an outstanding strategy for great health that allows you and your family to enjoy all the great wonders of our beautiful state!
Just a quick parting note – Wow! What a great strategy this would be for you and your family if thoughts of the high cost of California health coverage concerns you: Think about the lower monthly premium typically found with a California health insurance plan strategy such as a HSA-compatible high deductible health plan that will also feature preventive care services. Reach out to us here at Vitality to learn more about the affordable California health insurance strategies we can help you create for yourself and your family – even your California small business!
