Blue Cross of California Tonik Health Plans
The Blue Cross Tonik Plans are offered through Blue Cross Life & Health Insurance Company and are designed to provide affordable medical insurance to young, active adults. There are 3 Tonik plans available and each offers similar coverage with a difference in the deductible. Tonik plans are targeted toward single adults between the ages of 19-29, but are available to any individual under the age of 65. You may apply online for coverage under a Tonik plan and approval can be instant for those that qualify. Out-of-state coverage is available to Tonik Plan members through the BlueCard program.
Blue Cross Tonik Part-Time Daredevil
The Tonik Daredevil plan is the middle-range Tonik plan with a $3,000 annual deductible. This plan gives you 4 office visits per year at a $30 co-payment without having to meet your deductible first. Office visits include routine physical exams, preventive care, and lab-work received during your office visit. After the annual deductible of $3,000 has been met, you are covered in full for the remainder of the calendar year for all eligible medical expenses. Generic drugs only are covered at a $10 co-payment with no annual deductible. The life-time maximum benefit on the Part-Time Daredevil Tonik Plan is $5,000,000.
Blue Cross Tonik Thrill-Seeker
The Tonik Thrill-Seeker plan is the lowest cost Tonik plan and has the highest deductible of $5,000. Like the Daredevil plan, this plan also provides 4 office visits per year, but at a slightly lower copay of $20. The annual deductible does not apply to the office visit benefits. Once you use your 4 alotted visits, you will need to meet the $5,000 annual deductible to receive further benefits for this medical service. As with all other covered services under the plan, after the annual deductible of $5,000 has been met, you are covered in full for the remainder of the calendar year. Generic drugs are covered at a $10 co-payment and there is no coverage for brand name drugs. The annual out-of-pocket maximum is $5,000.
Blue Cross Tonik Calculated Risk-Taker
The Tonik Calculated Risk-take plan has the lowest annual deductible of $1,500 and provides unlimited office visits for a $40 co-pay before meeting your deductible. Both other Tonik plans limit office visits to 4 per year. After the annual deductible of $1,500 has been met, you are covered in full for the remainder of the calendar year. Generic drugs are covered at a $10 co-payment with no deductible. Emergency room care is also provided at a $100 copay without having to meet an annual deductible. All other covered services, including hospitalization, outpatient surgery and lab-work are covered in full after you have met the $1,500 annual deductible. The Calculated Risk-Take is the most expensive of the three Tonik plans, but still affordable when compared to other PPO plans offering similar benefits.
The information provided on this page is subject to change and my not be current. Check with the insurance company or your insurance agent for verification of details. The information provided is for comparison purposes only and is not legally binding. Always review the plan brochure or your policy details for complete and accurate details about this policy.