The young adult population made up of “twenty-somethings” between the ages of nineteen and twenty-nine currently represent around one third of the ranks of the nation’s habitually un-insured. Despite the fact that their general health status and the physically active lifestyles they’re more likely to lead heave combined to bring affordable health insurance within their reach. Blue Cross of California has recently begun to offer them lower premium costs in addition to assistance plans to help keep young adults in control of their overall health—by means of reasonably priced preventive health care screenings to promote plan member’s physical fitness and well-being. Remaining active and healthy supports reduced healthcare costs and Blue Cross will both reward and support such efforts.
Their new TONIK plans are truly cutting edge health insurance offerings, besides the trio of health coverage option’s details, their look, feel and most importantly perhaps, their application and plan applicant approval process set them apart from very nearly every other health plan currently available to Californians. Generation Y’s 19-to-29 are one 100% able to apply for the TONIK plan choice that suits them best using the internet and its easily accessible and paper-work-free environment. Twenty-somethings can literally apply for one of TONIK’s plans on-line in as little as fifteen minutes, depending, of course, on how fast they type.
Each of Blue Cross of California’s TONIK brand health coverage plans include both vision and dental care. Their yearly deductibles do not have to be satisfied in order for members to be reimbursed for any emergency room related services they’ve received that clock in over their $100 co-pay amount. Unlike comparable HMO or PPO managed health care plans, TONIK’s physician’s office visits co-payment schedule includes x-ray as well as other associated laboratory l services. Every covered health benefit is paid-out at one-hundred percent of patient costs once TONIK’s annual deductibles have been met. And, the entire trio TONIK of plans carry a remarkable $5,000,000 maximum benefits ceiling.
Designed for anyone for whom well-thought-out walk on the wild side is the daily norm, TONIK’s Calculated Risk Taker (or 1500) health care insurance plan offers its participants basically unlimited general care physician’s office visits annually, features an inexpensive $40 co-payment amount, an average monthly premium amount of around $80 and an annual deductible of only $1,500 . . . the lowest yearly deductible of the three available TONIK health insurance plans, the package benefits included in the Calculated Risk Taker are:
- Unlimited general care doctor’s office visits each year for $40 per visit from an in network Blue Cross of CA preferred provider.
- Generic, but not brand name, prescription medications for a $10 co-payment.
- $1,500 calendar year deductible and annual out of pocket maximum - after which the insurance company essentially pays for all medical services;
- $100 co-payments for emergency room related care.
- $0 Inpatient hospital stay costs after the plan deductible has been satisfied.
- $25 Dental benefits deductible on $500 worth of care and cleanings, x-rays and exam care for $0 in addition to fillings for 20%
- $50 reimbursement for routine in network eye exams, contact lenses or glasses.
- The Calculated Risk-Taker plan’s Out of Pocket maximum or OOP is the same as its $1,500 annual deductible.
- Best of all, TONIK’s Calculated Risk Takers get to design and customize their own insurance plan membership cards.
Note: This plan does not include a maternity coverage schedule. So, Calculated Risk Takers interested in having children in the near future, will need to look into an alternate Blue Cross health insurance plan.
TONIK’s plans are generally intended to appeal to and provide service to an average healthy nineteen to twenty-nine year old, primarily at risk for sudden illness or unexpected injuries, such as a broken limb or a even an appendicitis, rather than to provide coverage for existing, serious medical conditions. Twenty-something’s in California in need of a reasonably priced health insurance plan opportunity and interested in finding out more about TONIK and its plan trio are invited to click on the highlight below for the