Download - Tonik Health Plans
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Tonik Health Plans
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Tonik 3 affordable health plans from
Blue Cross Blue Shield of Georgia Targeted to 20 something's Simplified benefit and design Online enrollment
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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
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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.
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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
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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
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What did our research uncover? Why aren’t they buying health insurance?
Costs too much It’s complicated Tendency to procrastinate
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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
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Solution = Tonik An original approach to health insurance A new way of talking A new way of connecting A new way of applying
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Solution = Tonik Tonik appeals to target on emotional and
logical levels Independent Confident Peer Irreverent Straightforward Affirming and Positive Approachable
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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!
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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
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What about the benefits?
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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
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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.
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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
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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.
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Tonik is Getting Noticed!
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Tonik is Heard in Georgia!
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Tonik is Seen in Georgia! www.yahoo.com www.ajc.com www.myspace.com
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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!
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Tonik Agent Toolkit
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Conclusion Increase your business immediately! Tap into more contracts and commissions! Capture an untapped market and enhance
your market share!
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Tonik.Sell the plans. Sell the experience.
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Any Questions…
Questions ?
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Tonik is happening online… are you?
Don’t miss out on this growing opportunity
Get Connected – It’s easy!