Welcome to 2011 California health insurance shoppers! Just as you’ve been able to do in the past, you can continue to look forward to a future where Vitality online provides consumers around the state with the best consumer guide to California health insurance plans we know of!
The Holidays are a great reminder that it’s all about family and enjoyment of life. You don’t want to be bogged down in front of a computer plowing through complicated health insurance terms and jargon or spend long stretches involved in the process of finding a health insurance plan   for yourself and/or family. We understand: The process of researching and selecting a health plan that will fit the long term needs of you and your family should come quickly and easily and that’s what we’re here for! We are dedicated to bringing ease and simplicity to what might have been shaping up to be a frustrating experience for some consumers on the lookout for the right California health insurance strategy.
Let’s start by talking about the question we heard most from plan shoppers in 2010….drum roll please… the single most vexing issue for health plan shoppers is understanding how a health plan’s annual deductible and annual out-of-pocket maximum works. Let’s take a moment to clear up the mystery shall we?
Okay let’s take a plan year that starts January 1, 2011 and ends December 31st. Jim has a health plan that features the following:
- An annual deductible of $2000.
- Coinsurance (expressed as a percentage!) of 30%
- An annual out-of-pocket maximum of $5000
With that in mind here’s what happens next:
1.   As Jim starts out the year at $0, he will need to pay 100% of his medical costs until he reaches his annual deductible level of $2000.
2.   Once Jim has laid out $2000 towards his health care services he is then responsible for $.30 of every dollar while the insurance company is responsible for $.70 of every dollar. An example: Jim has met his annual deductible. He then goes to a doctor for a back strain and receives a bill for $100. Jim pays $30 and the insurance company pays $70.
3.   Eventually, Jim – between his $2000 annual deductible and his coinsurance costs totaling $3000 – reaches his annual out-of-pocket maximum of $5000. Jim reached that amount in April. April 10th to be precise. From that date until December 31st, Jim’s health plan pays the full cost of his covered health care services for the rest of the year.
What are two exceptions to look out for? Well some plans feature a set of benefits that you will receive before you must meet your annual deductible. Say, a certain number of doctor office visits. Also: Your particular health plan may also feature a separate annual deductible for your brand name prescription drug coverage wherein you must pay an annual deductible of $250 or $500 before your brand name drug coverage kicks in.
In reviewing the above commentary it occurs to us – and we hope to you, the reader! – that Vitality is dedicated to one thing: Making health insurance easy for the consumer! Here’s how we do it:
- Create a website devoted to providing clear, concise information about California health insurance, California life insurance and other insurance strategies for you and your family. Along with this information, provide a quick, easy, and convenient way to get free quotes for California health insurance plans and also apply for a California health insurance plan online here at our site.
- Create a Vitality Blog featuring hundreds of helpful articles on California health insurance, life insurance and more that includes many great Buyers Guides for California health insurance too!
- Offer our always free client consultations in a one-on-one setting arranged at a time convenient to your schedule wherein you have ready access to the experience and expertise we bring to the insurance plan selection process.
California health insurance needn’t be complicated or time-consuming – and we’re here to show you just how easy it can all be! Contact us via our Vitality website or call us toll free at 800-607-1950 and let’s get started creating a new, money-saving health plan strategy for you and your family today!
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 California health insurance plans that are uniquely right for you and your family – Â and who are reading this article presently – may want to breathe a sigh of relief: Vitality is the real deal when it comes to being your reliable online resource for a California health insurance plan strategy you can count on for the long run!
That’s right: As you begin the process of getting your free quote for a California health insurance plan, we’ll be asking for a bit of information about you that includes some basic client contact information. Here’s something you should always know: Vitality will never (EVER!) sell your name to another company or other insurance agencies. While there are some entities here on the Web that collect consumer information and then sell that data, we are not one of them: We’re an honest-to-goodness independent authorized agency featuring a team of Vitality California health insurance professionals who are totally focused on the process of helping our clients find affordable California health insurance plans for themselves and their families.
Our business model runs on two parallel tracks: A dedication to delivering the single best consumer experience to those clients shopping for health, California life insurance, and other insurance strategies here on the Web. The second track: A dedication to providing careful, considerate personalized one-on-one client consultation on this same range of insurance strategies. In short, our aim is to be the single best online and offline consumer resource in California and to get there our focus is on helping consumers with sincerity and not an eye towards selling their name and phone number to an undetermined number of strangers.
Call us old fashioned but from the very first moment you encounter our website we want to deliver the type of information and assistance that makes you want to list Vitality on your Web browser’s favorites’ list and – we hope – suggest us to family, friends, and coworkers in the event that they need assistance with an insurance requirement of their own. We believe that a clear indication of that commitment is the blog article you are reading right now: This article is one of hundreds we’ve posted here at Vitality online that are entirely focused on delivering great California health insurance buying guides, great strategies for buying term or whole California life insurance plans, or information on any of the other insurance and annuity planning services we feature here at Vitality. The Vitality Blog is our statement to the residents of this state: We’re dedicated to helping you find the best and most affordable insurance strategies.
The great thing about the Vitality online experience? You can use our website to research the health plan that is right for you, select it, and apply online for your new California health insurance plan. Online not your thing? No problem: Our website also features paper applications for California health insurance plans you can quickly and easily download.
You can move through the process of finding and applying for your health plan independently if that’s your preference. Will we reach out to you and offer our assistance and the always free careful and considerate client consultations we provide at no cost and no obligation to the client? Yes, we will. Here’s how we look at it: Buying the right long term health plan solution is important. Buying the wrong plan has the potential to trade short term gain (cheap premiums) for long term financial pain: Ill-fitting plan benefits that aren’t suited to your needs; a weak provider network that pushes plan members out-of-network and towards higher out-of-pocket costs; annual deductible/out-of-pocket maximum that doesn’t match up well with your financial resources. There’s something else worth considering: A change in your medical history may make the possibility of change to another – ‘better’ – plan difficult if not impossible later down the line. Our client services are always free: A quick consultation before applying for your health plan of choice already represents a great consumer bargain and can be an even more valuable bargain in hindsight if a consult with a member of our team helped you avoid the wrong plan.
Another benefit to working with Vitality? Your California health insurance plan professional is also the person you can quickly and easily turn to if a billing or claims issue should arise later. We’re committed to delivering outstanding service and support along with that health plan you secured through Vitality. That’s our Total Quality pledge to you. Count on it.
Want to learn more about our commitment to outstanding service to our clients? Contact us via Vitality online or call us toll free at 800-607-1950 and let’s get started on finding you and your family – even your California small business! – the health plan strategy that’s uniquely right for you and features the peace of mind you deserve!
