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Where
can I find an overview of the TONIK plans? The
best overview of TONIK
is located here.
How
long does the TONIK application take? The
application has been trimmed down to about ¼ the
normal size so it’s quick and easy. Most people complete
it in less than 10 minutes.
How
long until I’m approved? Many TONIK
applicants with no previous medical conditions are approved
in one day. If Blue Cross needs to review your past health
history, it may take longer.
Will
I pay more for my TONIK plan if I use a Blue Cross Authorized
agent such as Medicoverage? No, the cost
of health insurance is regulated by the state of California
so everyone must charge the same exact price by law. Blue
Cross Authorized agents receive their commission directly
from Blue Cross with no charge to you. Medicoverage Inc.
is appointed with many health insurance providers and works
on your behalf to help you select and apply for the health
insurance plans than best meet your needs. If you have any
application, billing or benefit questions, you have a direct
line to Medicoverage at 888 285 6334 at no cost.
I
live in Florida, can I get a TONIK plan? Not
as of yet. While Blue Cross operates in Florida, TONIK plans
are only available in California,
Colorado,
Nevada,
Illinois
and Texas,
right now. If you live
in another state, click
here.
What
are the three TONIK plans and how are they different? The
three TONIK plans are the "Thrill Seeker” , the
"Part-Time Daredevil” and the "Calculated
Risk Taker.” Click here for an overview
of each TONIK plan.
Don’t
most health plans cover dental benefits?
No, as far as we know, TONIK is the first health insurance
plan to include dental coverage. Most plans require that
you purchase a separate dental policy.
Does
Tonik cover vision? Yes, TONIK offers a
$50 discount for vision benefits.
Can
I get medical prescription benefits with TONIK? Yes,
TONIK health plans cover generic prescriptions. You pay
$10 for each prescription you have filled. TONIK does not
cover brand name prescriptions so if you are hoping to get
covered for Viagra, you are out of luck. Many non ED related
drugs have generic equivalents so ask your doctor to prescribe
generic drugs to save you money.
Can
I see the doctor with these new plans from Blue Cross?
YES! That’s the whole point. TONIK offers low
cost plans that allow access to Doctor visits. Believe it
our not, many low cost plans do not offer discount visits
to the doctor until you have paid your entire deductable!
The TONIK “Thrill Seeker” and the “Part-time
Daredevil” plans allow 4 visits annually. The “Calculated
Risk-Takers” pay a little more but they get unlimited
discounted visits to the doctor. Check
out the different tonik copay options.
How
much does TONIK cost? That varies based
on your zip code and age. The average cost for the plans
are between $68 and $147. After you fill out TONIK’s
15 minute application, you will receive your exact monthly
cost (aka premium). If you have previous medical conditions
you may be asked to pay a little more.
What
are the drawbacks with TONIK? There is no
such thing as a perfect health insurance plan but TONIK
comes pretty close for young active people. Please remember,
however, that Blue Cross TONIK plans do not cover maternity.
Do not apply for TONIK if you are considering becoming pregnant
as the cost of having a baby without insurance coverage
is very expensive. Also TONIK does not cover brand name
drugs. You can call us at 888 285 6334 and we can guide
you to other options if you would like maternity or name
brand prescription benefits.
SELECT
YOUR STATE BELOW TO VISIT THE TONIK APPLICATION
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