march 2009 tonik health plans. tonik 3 health plans targeted to 20-something's simplified...
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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
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 Simplified plans with the benefits they’re looking for
A new way of talking TONIK talks about health coverage in a straightforward,
conversational style – their style
A new way of connecting It has it’s own website It has attitude
A new way of applying It’s online – because they are Easy and painless Simplified underwriting
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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
Affordability The 19-29 segment can find a comprehensive plan for
around $100* that even includes dental and vision We make it easy to pay by credit card, paper or
electronic check, or monthly bank draft which can be automated, making it easier to prioritize the cost
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 With 3 simple health plans, it’s easy
*Can be more or less depending on plan, where they live and their medical history.
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Solution = TONIK
Reasons to buy Being insured reflects independence,
responsibility and maturity
Affirmation
Their parents have less to complain about, less to point out as another sign of adolescent behavior
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TONIK Benefits
Benefits(in-network)
Thrill SeekerPart-Time Daredevil
Calculated Risk-Taker
Annual Deductible $5,000 $3,000 $1,500
Annual Out-of-Pocket
Maximum$5,000 $3,000 $1,500
Doctor Visit Copay
Deductible waived
$20
4 visits/year
$30
4 visits/year$40
unlimited visits
Lifetime Covered Charges $5,000,000
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TONIK Benefits
Benefits(in-network)
Thrill SeekerPart-Time Daredevil
Calculated Risk-Taker
Prescription —Generic only $15 $15 $15
Emergency Room
$0 after deductible
$0 after deductible
$0 after deductible
In/Outpatient Hospital
$0 after deductible
$0 after deductible
$0 after deductible
In/Outpatient Professional
Services
$0 after deductible
$0 after deductible
$0 after deductible
There is no maternity coverage on these plans.
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TONIK Benefits
In-Network
Cleanings, Exams, X-rays $0, deductible waived
Annual Deductible $25
Fillings 20%
Annual Maximum Benefit $500
Dental Included in all plans PPO network No waiting periods!
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TONIK Benefits
In-Network
Preventive/Diagnostic* 0%
Basic and Adjunctive Services* 20%
Major (oral surgery, endodontics, periodontics, prosthodontics)
50%
Annual Maximum Benefit - $1,000
Annual Deductible (waived for preventive/diagnostic) - $25
Optional Enhanced Dental Buy-Up Coverage for additional services like oral surgery,
scaling, root canals and crowns for around $25/month PPO network
*In addition to coverage included with TONIK
Waiting periods: 6 months for Basic/Adjunctive; 12 months for Major services
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TONIK Benefits
Vision Included in all plans Deductible waived
Glasses, Contacts(every 24 months)
$100 benefit for frames or $80 for contact lenses
Pay only $25 for basic eyeglass lenses
Exam, Glasses, Contacts(every 12 months)
$50 benefit
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TONIK Benefits
Optional Term Life Coverage Part of the TONIK application process
$15K, $30K, $50K, $75K or $100K benefit choices
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TONIK Rates
20-year-old female Thrill SeekerPart-Time Daredevil
Calculated Risk-Taker
Annual Deductible $5,000 $3,000 $1,500
Rates $70 - $104 $87 - $131 $122 - $188
Prices depend upon where your client lives, their age, their gender and their medical history18
Agent Value
Same commission as all plans
Online tool agents need to reach market
Online application takes about 15 minutes
Auto-adjudication – instant answer
AMAP materials available
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Selling TONIK
Send a TONIK introduction letter to your clients
Query a list of your likely "empty-nester" clients (adult children prospects)
Target Small Group overage dependents
Identify community-based speaking opportunities at youth-oriented events
Contact a medical group in your area and ask if you can put TONIK information in their facilities
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Selling TONIK
Contact your local community college or university Would they permit a bill stuffer? Could you speak to students about how being uninsured
can have a devastating financial impact on young people?
Consider placing an ad in the Orange County Weekly or Los Angeles Weekly or similar paper in your area
Youth usually read these publications for the concert/event listings
Ask about placing TONIK materials, such as brochures, in surf shops, bike shops, etc.
Consider sponsoring a booth at a surfing event, skating event or dirt bike event
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TONIK is happening online… are you?
Don’t miss out on this growing opportunity
Get Connected – It’s easy!
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Agent Sales Technology
AgentConnectAgentConnect is the process of linking your agency’s website or URL to ours. There’s no cost to you — but lots of benefits:
Establish a comprehensive, professional web presence without developing a custom website
Get easy sales with the PlanFinder and Apply On-line Now features for new clients
Strengthen existing client relationships by providing access to Member Services and MyBCCLink
Create a one-stop resource for many forms and features that are very helpful for new and existing clients
To create the AgentConnect Link: Select AgentConnect from the Technology
drop-down menu Click on Get Connected Now! Follow the brief instructions and…
…GET CONNECTED NOW!
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Agent Online
Agent Online offers links to companies that Anthem Blue Cross has partnered with to provide assistance in creating a website.
We have also included four downloadable web templates to help in the designing process, should you choose to build a website.
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TONIK.
Sell the plans.
Sell the experience.
The Tonik plans are offered by Anthem Blue Cross Life and Health Insurance Company. Anthem Blue Cross is the trade name of Blue Cross of California. Anthem Blue Cross and Anthem Blue Cross Life and Health Insurance Company are independent licensees of the Blue Cross Association. ® ANTHEM is a registered trademark. ® The Blue Cross name and symbol are registered marks of the Blue Cross Association.