TONIK Health Plan: The Part Time Daredevil

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 Californiaıs University System has been requiring that all students have health insurance before they can begin classesıever since UC San Diegoıs administration found that twenty-five percent of the students there had inadequate or no health plan coverage.

Twenty-somethingıs 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 theyıll 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.

Itıs 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 nationıs overall population, they make up thirty percent of the ranks of itsı 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. 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 ıplan flavorı has a name that describes the individual itıll be best suited for: the thrill seeker; part time daredevil and the calculated risk-taker.

BCBSıs idea was to more actively attract those under age of thirty and get them to fill out an easy health insurance application. The second of the trio of TONIK health care options, The Part Time Daredevil (AKA 3,000) plan is specially geared toward providing reliable medical coverage for young uninsured adults who mix-it up any which way and want to play hard but play it safe ı or at least just as little safer. Part-Time Daredevils play an extreme sport or three, theyıre sky divers, rock climbers, cross country motorcyclists, surfers and snow boarders and even skateboarders. Basically healthy, young people who mistakenly believe that they donıt have the means to enroll in a comprehensive health insurance plan.

TONIKıs Part-Time Daredevil comes with an annual $3,000 deductible and allows for four doctor office visits prior to he deductibleıs onset. Participants are responsible for only a $30 co-payment for each physicianıs office visit, applicable when a general medical practitioner: