tonik health plans
Post on 30-Dec-2015
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Tonik Health Plans
Tonik 3 affordable health plans from
Blue Cross Blue Shield of Georgia Targeted to 20 something's Simplified benefit and design Online enrollment
Why Tonik? Segment the market
The uninsured are a diverse group; one size won’t fit all.
40,000 uninsured between 19-29 in Georgia
Process Determined our target market Engaged outside research group Multiple methods of data collection Extensive focus group work Built plan/process around findings
Why Tonik? Whether you call them “Echo Boomers,"
"Generation Y" or “Millennials," they already make up nearly one-third of the U.S. population, and already spend $170 billion a year of their own and their parents' money.
Mature Mavericks No longer covered under a family policy Not yet established in the workforce Healthy, not overly preoccupied with
health care In the process of discovering themselves
and experiencing life first-hand Want to be seen as independent and
responsible
Mature Mavericks Prefer instant gratification Use internet as resource Individuality and quality of life are big It’s about health vs. health insurance Most are healthy
What did our research uncover? Why aren’t they buying health insurance?
Costs too much It’s complicated Tendency to procrastinate
What did they want in a plan? Comprehensive Head-to-toe coverage Not just about a Product Service
Online Easy to use Instant decision In their language
Solution = Tonik An original approach to health insurance A new way of talking A new way of connecting A new way of applying
Solution = Tonik Tonik appeals to target on emotional and
logical levels Independent Confident Peer Irreverent Straightforward Affirming and Positive Approachable
Solution = Tonik Easy
Head-to-toe coverage for about $100
Procrastination - Wait and see The combination of easy to buy and affordable
coverage
Confusion - Head in the sand Communicating in their language means they
will listen, not tune out Three simple health plans; it’s straight-up!
Solution = Tonik Reasons to buy
Their parents have less to complain about, have less to point out as another sign of adolescent behavior
Peace of mind Being a responsible adult
What about the benefits?
Tonik Benefits
Benefits Thrill SeekerPart-Time Daredevil
Calculated Risk Taker
Annual Deductible
$5,000 $3,000 $1,500
Annual Out-of-Pocket Max
$5,000 $3,000 $1,500
Doctor Visit Copay
$0 Deductible
$20
4 visits/year
$30
4 visits/year$40
unlimited visits
Inclusive of covered services, like lab work and X-rays, received in the doctor’s office during
the office visit
Lifetime Covered Charges
$5,000,000
Tonik Benefits
Benefits Thrill SeekerPart-Time Daredevil
Calculated Risk Taker
PrescriptionGeneric/BrandBrand subject to $2000 deductible
$10/$30/$50Generic/
Brand formulary/
Brand non-formulary
$10/$30/$50Generic/
Brand formulary/
Brand non-formulary
$10/$30/$50Generic/
Brand formulary/
Brand non-formulary
Emergency Room$0 Deductible
$100 $100 $100
Inclusive of all services received in the ER
In/Outpatient Hospital
$0 after deductible
$0 after deductible
$0 after deductible
In/Out Professional
Services
$0 after deductible
$0 after deductible
$0 after deductible
There is no maternity coverage on any of the Tonik plans.
Tonik Benefits
Dental and Vision Services Included in all Tonik plansCleanings, Exams,X-rays
$0 Deductible
In Network
Annual Deductible
Annual Maximum
$25
$500 BenefitFillings 80%
Exam, Glasses, Contacts $50 Benefit
$0 Deductible
Tonik Rates
19-29
year oldsThrill Seeker
Part-Time Daredevil
Calculated Risk Taker
Annual Deductible
$5,000 $3,000 $1,500
Rates $61 - $101 $66 - $109 $100 - $170
Prices depend upon where your client lives, their age, gender and medical history.
Tonik is Getting Noticed!
Tonik is Heard in Georgia!
Tonik is Seen in Georgia! www.yahoo.com www.ajc.com www.myspace.com
Agent Value Online application from your website
Win business you didn’t have last year!
Auto-adjudication – instant answer Capture more business faster!
24/7 instant access Business at your convenience and at your
client’s!
Tonik Agent Toolkit
Conclusion Increase your business immediately! Tap into more contracts and commissions! Capture an untapped market and enhance
your market share!
Tonik.Sell the plans. Sell the experience.
Any Questions…
Questions ?
Tonik is happening online… are you?
Don’t miss out on this growing opportunity
Get Connected – It’s easy!
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