Blue Cross Tonik Frequently Asked Questions
Was TONIK created by a new health insurance carrier?
Not at all, it was created by the largest health insurance carrier in California. TONIK is a brand name referring to a trio of new Blue Cross of California health plans specifically designed to appeal to and service the active lifestyle needs of nineteen to twenty-nine year olds.
Do I need to be under twenty-nine to meet the criteria for TONIK?
Nope. Even though TONIK plans are geared toward the average every day health, vision and dental insurance needs of nineteen to twenty-nine year olds, but every California resident under the age of sixty-five is welcome to apply.
Where will I be able to apply for TONIK plans?
Interested Californians are welcome to click here to complete a fast, easy and 100% free TONIK application.
Is there a comprehensive overview of the TONIK trio available on the web?
BenefitPackages provides its guests with both detailed individual descriptions of the separate plans and an extensive summary of all three health care policies offered by TONIK.
How long will it take me to complete a TONIK application?
From what weıve heard from our customers, most applicants seem to be able to complete Benefits Packagesı free, quick and easy TONIK application it in under fifteen minutes.
So, just how long will it take me to be approved for TONIK?
If Blue Cross of California requests additional information in the form of a complete review your medical history, it will take a little longer. Otherwise, most of our TONIK applicants, without a previous health condition, have been approved in just one day.
If I purchase through Benefits Packages or another Blue Cross of California Authorized agency, will I have to pay more for my TONIK plan?
Not even almost. Because, the state of California regulates the costs of health insurance so as to ensure that every resident of our state will be charged the exact same prices for their health and medical care insurance needs. Besides, Blue Cross of California Authorized brokers and agents receive commissions straight from Blue Cross, and that means they donıt pass on added, additional or extra charges to health care consumers like you.
If I donıt live in California, can I still apply for a TONIK plan?
Not so fast. Even though Blue Cross, operates nationwide, the TONIK plans are still brand new and theyıre being rolled out nationally on a state by state basis. Currently TONIK is only available to residents of California, but it will be available everywhere soon.
Where can I get the full ıskinnyı on how TONIKıs three health plans differ?
Here at Benefits Packages, weıve prepared a trio of guides to help introduce online insurance consumers to TONIKıs plan trio. So, pick the description that most reminds you of you then click on it to check out either TONIKıs Thrill Seeker plan or TONIKıs Part Time Daredevil plan or TONIKıs Calculated Risk Taker plan or all three. Or, you can check out our complete overview of TONIK.
Iıve heard that TONIK includes dental benefits, but donıt most health plans these days?
No way, no how. The TONIK plans represent on of the first opportunities for Californians have had to purchase dental coverage as a part of their health insurance plans rather than having to buy into a separate dental policies.
What if I need to get contacts, will any of the TONIK plans cover my eye care needs?
Of course they will, each one of the three TONIK plans offers its participants a fifty-dollar vision benefits discount.
Does TONIK include a medical prescription benefit?
Absolutely. Each TONIK health plan covers its participantıs generic prescription drug purchases. Members will only have to ten dollars per prescription they have filled. But, TONIKıs plans do not offer coverage for brand name prescription medications so applicants determined to be reimbursed for their Dexedrine purchases will have to look elsewhere for a health insurance plan. On the other hand, most health care related pharmaceuticals have a generic equivalent, so just about everyone else will be able to ask their doctor to save them money by prescribing generics.
Will I still be able to see ımyı doctor if Iım covered by one of Blue Cross of Californiaıs TONIK plans or will I have to join a network?
Definitely. TONIK is a personal insurance plan not an HMO or PPO. The three plans each offer low-cost access to private physician care and even Hospital stays. Specifically, TONIKıs Thrill Seeker and Part Time Daredevil plans both allow for up to four check-up style health maintenance visits each year and its Calculated Risk Taker plans provide for unlimited discounted doctor visits but do cost a little more than the latter two.
Ok, how much is one of TONIKıs plans going to cost me?
To be completely honest, your final cost for a TONIK plan will vary somewhat based primarily on previous medical conditions, age and zip code. But, the trioıs average costs range from around sixty-four to about eighty dollars a month. Once theyıve completed that free fifteen minute TONIK application, we mentioned above, Californians can receive a quote for their exact monthly premium costs.
Does TONIK have any drawbacks that I should know about?
To the best of our knowledge, not even Blue Cross of California offers perfect health insurance coverage, but for the sports life-style nineteen to twenty-nine year olds they were designed for, the TONIK plans come pretty freaking close. On the other hand, because they donıt offer maternity coverage TONIK wonıt be right for anyone considering becoming pregnant. And remember, none of the three TONIK plans cover brand name drug purchases.
BenefitPackages is only here to serve Californiaıs health insurance needs, so if you have application, billing, benefits questions regarding one of TONIKıs plans or if you need general health plan advice, please donıt hesitate for a moment either to shoot us an email at: info@benefitpackages.com or to give us a call toll free at 1-800-356-3615.
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