1. Tonik Health Plans

2. Tonik  3 affordable health plans from Blue Cross Blue Shield of Georgia  Targeted to 20 something's  Simplified benefit and design  Online enrollment

3. 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

4. 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.

5. 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

6. 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

7. What did our research uncover?  Why aren’t they buying health insurance?  Costs too much  It’s complicated  Tendency to procrastinate

8. 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

9. Solution = Tonik  An original approach to health insurance  A new way of talking  A new way of connecting  A new way of applying

10. Solution = Tonik  Tonik appeals to target on emotional and logical levels  Independent  Confident  Peer  Irreverent  Straightforward  Affirming and Positive  Approachable

11. 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!

12. 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

13. What about the benefits?

14. 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

15. 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.

16. 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

17. 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.

18. Tonik is Getting Noticed!

19. Tonik is Heard in Georgia!

20. Tonik is Seen in Georgia!  www.yahoo.com  www.ajc.com  www.myspace.com

21. 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!

22. Tonik Agent Toolkit

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

24. Tonik. Sell the plans. Sell the experience.

25. Any Questions… Questions ?

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