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 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

What about the benefits?

Tonik Benefits

Benefits Thrill SeekerPart-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

Benefits Thrill SeekerPart-Time Daredevil

Calculated Risk Taker

PrescriptionGeneric/BrandBrand subject to $2000 deductible

$10/$30/$50Generic/

Brand formulary/

Brand non-formulary

$10/$30/$50Generic/

Brand formulary/

Brand non-formulary

$10/$30/$50Generic/

Brand formulary/

Brand non-formulary

Emergency Room$0 Deductible

$100 $100 $100

Inclusive of all services received in the ER

In/Outpatient Hospital

$0 after deductible

$0 after deductible

$0 after deductible

In/Out Professional

Services

$0 after deductible

$0 after deductible

$0 after deductible

There is no maternity coverage on any of the Tonik plans.

Tonik Benefits

Dental and Vision Services Included in all Tonik plansCleanings, Exams,X-rays

$0 Deductible

In Network

Annual Deductible

Annual Maximum

$25

$500 BenefitFillings 80%

Exam, Glasses, Contacts $50 Benefit

$0 Deductible

Tonik Rates

19-29

year oldsThrill 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! www.yahoo.com www.ajc.com www.myspace.com

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 ?

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