Presentation on theme: "Tonik Health Plans. Tonik 3 affordable health plans from Blue Cross Blue Shield of Georgia Targeted to 20 something's Simplified benefit and design."— Presentation transcript:
Tonik 3 affordable health plans from Blue Cross Blue Shield of Georgia Targeted to 20 something's Simplified benefit and design Online enrollment
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
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.
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
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
What did our research uncover? Why aren’t they buying health insurance? Costs too much It’s complicated Tendency to procrastinate
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
Solution = Tonik An original approach to health insurance A new way of talking A new way of connecting A new way of applying
Solution = Tonik Tonik appeals to target on emotional and logical levels Independent Confident Peer Irreverent Straightforward Affirming and Positive Approachable
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!
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
Tonik Benefits BenefitsThrill Seeker Part-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
Tonik Benefits BenefitsThrill Seeker Part-Time Daredevil Calculated Risk Taker Prescription Generic/Brand Brand subject to $2000 deductible $10/$30/$50 Generic/ Brand formulary/ Brand non-formulary $10/$30/$50 Generic/ Brand formulary/ Brand non-formulary $10/$30/$50 Generic/ Brand formulary/ Brand non-formulary Emergency Room $0 Deductible $100 Inclusive of all services received in the ER In/Outpatient Hospital $0 after deductible In/Out Professional Services $0 after deductible There is no maternity coverage on any of the Tonik plans.
Tonik Benefits Dental and Vision Services Included in all Tonik plans Cleanings, Exams, X-rays $0 Deductible In Network Annual Deductible Annual Maximum $25 $500 Benefit Fillings80% Exam, Glasses, Contacts$50 Benefit $0 Deductible
Tonik Rates 19-29 year olds Thrill 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.
Tonik is Seen in Georgia! www.yahoo.com www.ajc.com www.myspace.com
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