Getting Started With TONIK

NEW TONIK INSURANCE:
Plans for Active People

Anthem Blue Cross and Anthem Blue Cross and Blue Shield have recently launched a new group of plans called "Tonik"* specifically targeting active, healthy people who need health insurance but hate forms and jargon. Once only available in California, these plans are now offered in Colorado, Connecticut, Georgia, New Hampshire, and Nevada. Their goal is to create fun, easy to understand plans that you can apply for in minutes.

We were skeptical at first since, as we all know, health insurance companies are notorious for making everything more confusing than it needs to be. We were pleasantly surprised to find out that we were wrong. Tonik plans are easy to understand, easy to apply for and affordable.

tonik snow boarder

tonikplans link

If you think this plan is right for you, you can learn more at the Tonik website: www.tonikhealthplans.com

Insurance Basics

FAQs

Glossary of Key Terms

HMO Report Card

8 Options for Grads

Is Short Term Insurance Right for Me?

What are HSAs?

Applications

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Seniors Click Here

Tonik’s motto is “Cover your A-Z” and, beyond the double entendre, it basically means that Tonik will offer, for the first time, health, vision, and dental for one easy payment. No other health plan that we know of offers all three benefits bundled for one low payment.

TOO HIP? Everything Tonik does is hip. The website is designed in Flash and focuses on extreme sports graphics. They also regularly use slang like "dude" and "buzzkill". If you can get past their over-eager effort to relate to the young generation, you will find great plans and by far the best online health insurance application ever. Most people complete it in 15 minutes and many are approved within 5 minutes.

WHICH ONE ARE YOU? Tonik has 3 plans dubbed for different types of users. They have “The Thrill Seeker,” “The Part-Time Daredevil” and “The Calculated Risk Taker." We like these names because it's now much easy to sort through than the old confusing codes and numbers of traditional plans. With the TONIK system, all you have to do is just figure out which category you fall under and then apply. If you are a "Thrill Seeker," you probably want to be covered in case of an accident and figure you will only need to see the doctor a few times a year. "Calculated Risk Takers," on the other hand, are willing to pay a little more for low deductibles and unlimited trips to the doctor in addition to comprehensive coverage for accidents. "Part Time Daredevils" fall somewhere in between. Check out the TONIK plan break down below and see which type you are.

If you are a recent grad or an young person (it's ok if your over 29- just be healthy and active) considering health insurance, check out the Tonik prices and info below. If you have any questions call an authorized agent at 888 285-6334. These agents are experts on these plans and, best of all, they work on your behalf at no additional charge or hidden fees.You can call them directly or go straight to the website to apply.

TONIK covers you for the everyday, preventative stuff (like checkups) and the more dramatic encounters (like trips to the emergency room). TONIK plans include coverage for:

  • Seeing a doctor
  • Getting generic prescription drugs
  • Going to the emergency room
  • Having surgery
  • Seeing a dentist
  • Getting eye exams, glasses or contacts
    ...and a whole lot more

The Bottom Line.
You’ll find TONIK plans to be affordable.Other comparable plans often cost as much but do not cover doctor visits or dental. The price will vary based on your zip code, type of plan and your age. To find out rates and benefits for California, Colorado, Connecticut, New Hampshire, Georgia, Nevada, visit the tonikhealthplans website .

Below is just a general guideline. Please note that plan benefits vary by state. To see actual beneifts for your state, please visit www.tonikhealthplans.com

 

tonik logo

Thrill Seeker

Part-Time Daredevil

Calculated Risk Taker
Annual Deductible $5,000 $3,000 $1,500
Doctor Visit Copay $20
(4 visits/year)
$30
(4 visits/year)
$40
(unlimited visits)
Out of Pocket Max $5,000 $3,000 $1,500
Prescription Drugs (generic only) $10 $10 $10
Emergency Room Care $100 $100 $100
Inpatient Hospital $0 after the deductible is met $0 after the deductible is met $0 after the deductible is met
Dental Benefits Deductible $25 $25 $25
Cleanings, Exams & X-rays $0 $0 $0
Fillings 20% 20% 20%
 
To Apply or for more details Visit the Tonikhealthplans website

 

Definitions for the Insurance-Impaired (all of us)
Annual Deductible: This is the amount you’ll have to pay before Tonik starts paying. Of course, the deductible is waived in certain cases, such as doctor visits.

Copay: This is what you pay when you see the doctor, go to the emergency room or get generic prescription drugs.

In-Network
You save money when you go to doctors and hospitals in the Anthem Blue Cross or Anthem Blue Cross and Blue Shield PPO network. And don’t worry, the Tonik network is huge.

Anthem logo

REMEMBER The Tonik plans do not include maternity benefits!!!!
For more information, contact aTONIK specialist at 888 285-6334. You can also check out the Anthem Blue Cross Tonik press release for more information.

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Finding the right Calfornia health insurance for recent grads has become easier with www.medicoverage.com. In addition to tonik health plans, we offer insurance basics to give you a complete overview of the health insurance process before you buy. Think of medicoverage.com as providing health insurance 101 for California health insurance.