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Anthem Blue Cross Tonik Health Care The Thrill Seeker
Nationwide, there are around 23.6 million adults, or 32.4 percent of the population between the ages of 19-and-24 who currently lack the health insurance coverage that every fiscally sensible adult needs; according to a recent study sponsored by the Kaiser Family Foundation. Here in California, where there are approximately 6 million uninsured residents, about 1.6 million of them fall squarely into that 19-to-29 year-old category, representing between 30% and 40% of the age group in its entirety. The problems of a dangerously un-insured college age population have become so notable that California’s University System has been requiring that all students have health insurance before they can begin classes—ever since UC San Diego’s administration found that twenty-five percent of the students there had inadequate or no health plan coverage.
Twenty-something’s have been deciding to do without significant health insurance because of an assortment of factors that range from: The simple fact that a number of them have only just been kicked-off of a family or university supported health care coverage, others believe that the combination of expense and their own enviable health status mean do that they’ll have to and be able to do without, others are employed by firms unable to offer employee health care benefits, while some simply can't seem afford health insurance expenditures with or without an employer's financial assistance.
It’s hardly surprising that a recent report, published by the Commonwealth Fund, found that even though young adults between of nineteen and twenty-nine make only up 15% of the nation’s overall population, they make up thirty percent of the ranks of its’ uninsured.
Too often, only the serious injury or debilitating illness of an acquaintance or a friend convinces many young people of the value of carrying adequate health care indemnity coverage. And, tragedies resulting from failing to have access to a health insurance plan when seriously injured or ill is only magnified by the fact that there are actually low cost health insurance opportunities being offered to twenty-somethings these days. Anthem Blue Cross of California has taken the lead by introducing three affordable medical insurance plans that have both specifically tailored to the needs of specifically targeted toward the age group and its lifestyle. Each “plan flavor” has a name that describes the individual it’ll be best suited for: the thrill seeker; part time daredevil and the calculated risk-taker.
BCBS’s idea was to more actively attract those under age of thirty and get them to fill out an easy health insurance application.
The third of the trio of Anthem Blue Cross Tonik Health Insurance plans, The Tonik 5000 Thrill-Seeker (AKA 5,000) is the Most Popular Health Insurance plan that Anthem Blue Cross of California offers. It features the highest deductible and the lowest monthly premium amounts of the three Tonik plans, which start at only $64 per month. In addition, it also features the lowest co-pay for office visits. Instead of the $40 co-pay offered with the Caclulated Risk Taker Plan, you will only need to pay $20 for your office visit co-pay (4 visit maximum). Inpatient and Outpatient Hospital Care - After you meet your deductible, there is no charge for inpatient or outpatient care received from a participating provider. If you do not go to a participating provider, this amount jumps to 100% of the covered expenses, minus $650 per day for inpatient care or $380 per day for outpatient care. The maximum amount of benefits you can expect under this plan is $5,000,000. For the average person, this is more than enough coverage.
Anthem Blue Cross Tonik Health Care Thrill-Seeker plan includes:
· Up to four doctor’s office visits each year at a twenty dollar per visit co-payment when using a Anthem Blue Cross preferred provider.
· Generic prescription medication for a $10 co-payment per prescription.
· $5,000 annual deductible and annual out of pocket maximum, meaning that "if you have coverage and stay within (the Anthem Blue Cross of California) network, the most you can have to pay is $5,000 along with your monthly payment."
· $100 co-payment for emergency room visits.
· $0 Inpatient hospital stay after plan deductible has been met.
· $25 Dental benefits deductible covering cleanings, x-rays and exams for $0 as well as fillings for 20%
· $50 reimbursement for in network routine eye examinations, glasses and or contact lenses.
· Best of all, participants in Anthem Blue Cross Tonik Health Insurance get to custom design their own insurance benefit plan member cards.
Note: The Anthem Blue Cross Tonik Health Insurance Plans does not include an option for maternity coverage. So, Thrill-Seekers considering parenthood will need to look into alternative BCBS health insurance opportunities. The Thrill-Seeker Anthem Blue Cross Tonik Health Insurance plan was literally created and designed and built for physically active twenty-somethings.
Ready to apply? 