Tonik Health Plans

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 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

What about the benefits?

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 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 Getting Noticed!

Tonik is Heard in Georgia!

Tonik is Seen in Georgia!   

Agent Value  Online application from your website  Win business you didn’t have last year!  Auto-adjudication – instant answer  Capture more business faster!  24/7 instant access  Business at your convenience and at your client’s!

Tonik Agent Toolkit

Conclusion  Increase your business immediately!  Tap into more contracts and commissions!  Capture an untapped market and enhance your market share!

Tonik. Sell the plans. Sell the experience.

Any Questions… Questions ?

Tonik is happening online… are you? Don’t miss out on this growing opportunity Get Connected – It’s easy!