Message from Wiley Long
President - ColoHealth
Share this page:

Anthem Blue Cross Blue Shield TONIK 5000

 

 

Plans: Tonik Health Insurance

 

 

 

Anthem Blue Cross Blue Shield has long been one of our most popular carriers. Their TONIK 5000 plan offers extremely attractive rates for people under age 30.

The TONIK plan is very straight-forward. It is designed for our younger clients, those under the age of 30. There is a deductible of $5000, which is also your out-of-pocket maximum for a year, after which the plan covers you at 100% for all covered procedures. You have four doctors office visits at $20 per visit prior to meeting your deductible, and ER visits in which you are not admitted are just $100.

Prescription drugs are available at $10 for 30-day supply from retail pharmacy or $20 for up to 60-day supply through mail order. TONIK also provides dental and vision coverage. You'll pay $0 for cleanings, exams and X-rays. After you pay your $25 deductible, you'll pay 20% for minor restorative procedures like fillings. TONIK will pay up to $500/year for your dental benefits, and $50 towards a routine eye exam, glasses or contact lenses.

Visit Tonik Online for detailed plan information and to apply online. 

 

 

Rate Information:

Rates are very competitive for those in their 20’s, and even for healthy people in their 40’s, 50’s, and 60’s. Rates can be found by visiting the Tonik Online site. Tonik is only available as an individual plan. It will not cover dependents, so a husband and wife would have to apply separately.

 

PPO Network:

Tonik health plans come with referral-free access to the largest PPO network in Colorado, with nearly 8,500 health care providers and over 60 hospitals throughout the state. Having access to the PPO network can mean substantial discounts in what you pay for your health care, even before you meet your deductible. The large list of doctors and hospitals can be viewed at the Anthem PPO Online Provider Directory. Make sure to choose the "BluePreferred PPO" plan. Policyholders can go to Blue Cross doctors anywhere in the country, and can even access a world-wide network.

 

Underwriting:

Underwriting on these plans is very rapid, and you will often know the same day if you have been accepted. Applying for coverage online is easy, and only takes about 15 minutes to complete. Underwriting for the Tonik plan is more strict than for other Anthem Blue Cross Blue Shield plans.

 

Effective dates:

The coverage can go into effect in as quickly as 24 hours, though you do risk being declined if claims are submitted before the underwriting process is completed. You may request an effective date any time the date after you sign the application and 60 days later. Please note that you will be billed starting on your requested effective date, even if you have not yet been notified that you have been approved. This is very good for someone who does not have any present coverage and would like for their benefits to begin right away. For those who are already covered, it is suggested that you maintain your current coverage in force until you have received notice from either ColoHealth or directly from Anthem that your coverage has been approved and is in force.

Your earliest possible effective date will be the day after Anthem has received all the necessary documents and information needed to process your application. 

 

About Tonik:

Tonik is underwritten by Anthem Blue Cross Blue Shield. The company known today as Anthem is the outgrowth of two Indianapolis-based corporations formed in 1944 and 1946 as mutual insurance companies. Those two companies were created to provide health insurance to residents of Indiana as Blue Cross of Indiana and Blue Shield of Indiana.

As the health care industry began rapidly consolidating In the mid-1980s, Blue Cross and Blue Shield of Indiana began to diversify and expand, primarily through Blue Cross and Blue Shield mergers and acquisitions. Now going by the name Anthem Blue Cross and Blue Shield, they underwrite some of the most popular plans we offer at ColoHealth.

The Anthem Blue Cross and Blue Shield companies are independent licensees of the Blue Cross and Blue Shield Association and currently serves more than 12.6 million customers in nine different states.

Anthem Blue Cross Blue Shield has been assigned a rating of "A" (Excellent) from the A.M. Best Company, an independent insurance rating organization.

ColoHealth is an independent authorized Anthem/Tonik agent in Colorado.