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.
For California health insurance shoppers it’s the Holiday season and yet a further reminder that when we’re shopping, we ‘re on the lookout for the best product at the most affordable price and that’s certainly true when shopping for the California health insurance plan that is uniquely right for you. Here at Vitality, we’re an independent authorized agency representing the health plans of leading California health insurance companies like Blue Shield of California, Anthem Blue Cross, and Aetna to name a few. That’s right: We make a great online mall for the widest selection of California health insurance plans!
Finding just the right California health insurance strategy for yourself, your family, or perhaps the best health coverage for California business is a serious pursuit. The wrong plan can end up costing the plan owner both more money and aggravation in the long run and since it is the “shopping season” that does traditionally mark the Holiday season, we got to thinking about just how valuable a personal shopper would be to the health insurance consumer year round! Personal shopping is an occupation where people help others shop by giving advice and making suggestions to customers. In the sometimes complicated world of individual or business health insurance, what a great benefit your very own health insurance plan personal shopper would make for your peace of mind: That’s where your Vitality California health insurance professional comes in!
You can read all about California health insurance here at our site – anything ranging from California health insurance terminology; a great collection of buyers guides for California health insurance plans and strategies that cover anything from the child health insurance California parents or guardians might be on the lookout for, all the way up to assistance on Medicare Supplement plans or Medigap as it is also known. We also feature ease and convenience here at our website in the form of our always free online California health insurance plan quotes and downloads for California health insurance plan applications. But just like the perfect pair of mittens to accompany that scarf? How about our always free personalized one-on-one client consultations that can be arranged at a time and place that is most convenient to your schedule. Dealing with a hectic holiday season but still knowing you have to deal with a pressing need for health coverage? We can help and we can provide that help at your convenience!
Reach out to us for assistance in finding the best and most affordable California health insurance plan strategy and we’ll reach back with the caring concern you deserve: We’ll find out what your unique health plan needs entail and then we’ll offer suggested health plans that meet both your immediate needs and your long term needs. The best health plan strategies are not just the cheapest or the quickest that have been hastily plucked out of an array of health plans at your disposal, but instead are careful, considerate choices that serve to meet your current health coverage needs and also protects the household budget in the months and years ahead.
Selecting the right health plan is an important and integral component of a strong personal financial planning process. Relying on a Vitality professional to assist you in the health plan shopping process is a great indication of a savvy consumer on the lookout for great performance and great value. And what better value than the always free client services of the Vitality California health insurance team? Want more information on how we can help you shop for a money saving California health insurance plan? Contact us via our Vitality website or call us toll free at 800-607-1950. We’re standing by and ready to put our skills and health plan shopping prowess to work for you!
In the world of California health insurance, it can be extremely helpful to have a California health insurance plan specialist like Vitality Health Insurance Services who can help craft winning strategies for both the group health insurance California businesses secure for their employee teams and an individual California health insurance strategy individual consumers can secure for themselves and their family.
Your Vitality California health insurance team member brings versatility, caring and concern to the table each and every time: Life brings change and with Vitality you have a health and California life insurance and California disability insurance specialist who can help you and your business deal effectively and cost efficiently with the changes life brings.
The size of an employee team may ebb and flow. While new hires come aboard, employees also leave a business for a variety of reasons. As the owner of a successful business here in the state, a time may come when it feels right to divest yourself of the business you’ve built in the pursuit of personal or professional challenges you’ve had your eye on. From an employee perspective; employer-paid group health plan coverage for the employee is on the table but coverage for eligible dependents isn’t. There are any number of scenarios under which a group health plan member may need to transition to the individual health plan market – and this includes the transition to a Medigap plan too. We believe it’s a reassuring feeling to know that your family and your business has a trusted resource in Vitality that it can turn to when life brings change that requires an adjustment to your personal or professional health coverage strategies.
Here at the Vitality website and Blog you’ll find us often touting the ‘Vitality difference’: A dedication to delivering outstanding client service and being proactive specialists in finding and creating innovative insurance strategies that deliver performance and cost-savings. The Vitality difference also comes in the form of our ready-access to you and your employees when life brings about change that demands the experience and expertise we bring to the process of helping create health, life and other insurance strategies to meet our individual and business clients’ unique needs. We have the skill set to help business formulate high performance, cost, efficient employee health benefits and also assist individual consumers create peace of mind health insurance plan strategies for their dependents. We can also assist business owners and employees who are about to embark on transitions that will see them move from the group health coverage they’ve known to what may be the unfamiliar terrain of the individual health insurance marketplace.
The process can start easily enough with a call to our toll free 800-607-1950 helpline or a visit to our Vitality website where a business owner can request a quote for the best and most affordable group health insurance California business owners are on the lookout for. Individual consumers can also rely on the Vitality website for free quotes for California health insurance plans by way of our fast, convenient and easy to use Vitality health plan quote engine! Medigap plan quotes and quotes for child health insurance California parents and guardians are on the lookout for are also readily available here at our site!
Our expertise and ability to help doesn’t end with health insurance: We also bring experience and expertise to the field of affordable California life insurance plan strategies – from term to whole life insurance plans – Vitality is your reliable resource for the peace of mind that comes with knowing that your family (or your business in the form of key-person life insurance) will have security and protection in the event of your absence.
The Vitality health insurance team brings skill and versatility to the process of finding the insurance strategy that is uniquely right for you, your family, and your California business – call us at 800-607-1950 or contact us at Vitality online and we’ll get started on delivering the affordable insurance solutions you deserve today!
