Tonik Blue Cross Health Insurance

Introducing Tonik Health Insurance

Health insurance for the young and healthy.  Coverage for your body, eyes, and teeth. You know, the important stuff. Three simple health care plans, one just your flavor.  Apply online, that's it.  No catches, no commitments, no wasted time.

Brought to you by Anthem Blue Cross and Blue Shield of Colorado, Tonik offers three straight-up affordable health insurance plans.  If you’re 19-29 years old, rates can be $64 - $123 per month, depending on the plan you pick, where you live, your age and your medical history.  This plan is specifically designed for those under age 30, and offers great coverage for a very good rate.  Rates are also very competitive for older individuals – however, please note that the underwriting is very strict, and they will only take very healthy individuals.

Visit Tonik Online for detailed plan information and to apply online.

Plans at a Glance:

The Tonik plans do not include maternity benefits.  Copays for office visits, ER visits and presciption drugs do not apply towards the deductible.  

This information is presented only as a very brief overview of some of the benefits of this plan, and is intended only for general education.  The amount of benefits provided depends on the plan selected. Premium will vary with the type of benefits selected.  These plans contain exclusions from and limitations of coverage.  Please see the product brochure for more complete information, as well as information about terms of renew ability, preexisting conditions, out-of-network penalties, and notification requirements.  Plans are subject to health underwriting.  To be considered for reimbursement, expenses must qualify as covered expenses.  Expenses are also subject to reasonable and customary limits, unless you use a network, and all other policy provisions, including determinations of medical necessity.

Coverage Synopsis:

100% Co-insurance

Tonik Health Plans are designed for uninsured Colorado adults in their 20s who are finishing college, starting a career or busy experiencing life in other ways.  The Tonik plan has deductible options of $5,000 (the Thrill Seeker plan), $3,000 (the Part-Time Daredevil plan) and $1,500 (the Calculated Risk Taker plan).

After the deductible, the plan pays 100% of in-network covered expenses, up to $5,000,000.  For doctor visits, there is a co-pay of $20, $30, or $40 per visit, depending on the deductible chosen.  It also has coverage for vision, dental, and only a $10 co-pay for generic drugs.

Tonik health plans include coverage for:

• Physician office visits, including routine physical exams, covered professional services, and routine lab work and X-rays done during the office visit.
• Inpatient and outpatient hospital and ambulatory surgical center services.
• Ambulance and emergency room services.
  
• Preventive care benefits, including adult preventive exams.
  
• Generic prescription drugs from more than 750 pharmacies in Colorado and over 61,000 pharmacies nationwide.
  
• Dental services, including cleanings, exams and X-rays, fillings and other minor restorative care services.
  
• Vision services at $50 per year toward the cost of glasses (or sunglasses), contacts or routine eye exams. 
• An additional $25 co-payment for standard eyeglass lenses, and a $100 allowance for frames or an $80 allowance for contact lenses through a Blue View Vision provider network, as well as out-of-network benefits.
• Physical and occupational therapy and/or chiropractic care.
  
• Tobacco cessation programs.
  

Please see the appropriate Colorado Health Plan Description form for more complete details:

TONIK 5,000

TONIK 3,000

TONIK 1,500

Rates:

Rates are very competitive for those in their 20’s, and even for healthy people in their 40’s, 50’s, and 60’s.  Rates can be found on the Tonik rate sheet (pdf - 526KB), or by visiting the Tonik Online site.  Tonik is only available as an individual plan.  It will not cover dependents, so a husband and wife would have to apply separately.

PPO Network:

Tonik health plans come with referral-free access to the largest PPO network in Colorado, with nearly 8,500 health care providers and over 60 hospitals throughout the state.  Having access to the PPO network can mean substantial discounts in what you pay for your health care, even before you meet your deductible.  The large list of doctors and hospitals can be viewed at the Anthem PPO Online Provider Directory.  Make sure to choose the "BluePreferred PPO" plan. Policyholders can go to Blue Cross doctors anywhere in the country, and can even access a world-wide network.

The BlueCard® program provides health care access across the U.S. for members who are traveling and have a medical condition requiring immediate attention.  Members may call the BlueCard number on their health plan ID card, or visit the BlueCard Doctor and Hospital Finder at www.bcbs.com.  For travel outside of the U.S., only medical emergencies are covered.

Underwriting:

Underwriting on these plans is very rapid, and you will often know the same day if you have been accepted.  Applying for coverage online is easy, and only takes about 15 minutes to complete.  Underwriting for the Tonik plan is more strict than for other Anthem Blue Cross Blue Shield plans.

About Tonik:

Tonik is underwritten by Anthem Blue Cross Blue Shield.  The company known today as Anthem is the outgrowth of two Indianapolis-based corporations formed in 1944 and 1946 as mutual insurance companies.  Those two companies were created to provide health insurance to residents of Indiana as Blue Cross of Indiana and Blue Shield of Indiana.

As the health care industry began rapidly consolidating In the mid-1980s, Blue Cross and Blue Shield of Indiana began to diversify and expand, primarily through Blue Cross and Blue Shield mergers and acquisitions.  Now going by the name Anthem Blue Cross and Blue Shield, they underwrite some of the most popular plans we offer at ColoHealth.

The Anthem Blue Cross and Blue Shield companies are independent licensees of the Blue Cross and Blue Shield Association and currently serves more than 12.6 million customers in nine different states.

Anthem Blue Cross Blue Shield has been assigned a rating of "A" (Excellent) from the A.M. Best Company, an independent insurance rating organization.

ColoHealth is an independent authorized Anthem/Tonik agent in Colorado.

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