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GETTING
STARTED
If you are a recent grad or
a young person (it's ok if you’re over 29- just be healthy
and active) considering health insurance, Anthem Blue Cross and Anthem Blue Cross and Blue Shield Tonik may be
right for you. Selecting a Tonik plan is like selecting a cell phone
plan -- only much easier. If you’ve ever sorted through Verizon,
AT&T or T-Mobile options on anytime minutes, roaming charges
and long distance coverage, you’re more than prepared for
the task in front of you.
Basically there are three Tonik health insurance plans to choose
from:
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4
Health Insurance Options to
Consider |
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We
think Anthem Blue Cross and Anthem Blue Cross and Blue Shield plans are the best health insurance plans
out there for young active people. Before you pull the trigger
on a plan, however, you may want to consider the 4 options
below.
1. Mom and Dad
Most family insurance plans will cover kids up to age 19 if
they are not full-time students, or until age 25 if they are
(you must be able to verify that you are a full-time student
to be included in your parents’ coverage). Some plans
stop coverage immediately upon graduation, while others will
extend coverage through the first three months following graduation.
Check with your parents’ plan to see when your coverage
ends.
2. New Employer
If you get a full time job, your job may come with health
insurance benefits as part of your total compensation package.
Some companies, however, require that you be employed for
up to six months before their health coverage kicks in. Also
make sure you understand the status of your employment with
this new company. With the economy the way it is, many firms
are forced to cut costs by hiring on new employees on a “consultant”
basis. If you are hired on as a “consultant” or
"contractor", your new employer may not be obligated
to offer you health insurance. Ask the HR division of your
new company how they handle benefits.
3)Other Individual Coverage Providers
If you are
looking for plans that cover
maternity or over a different configuration of benefits, you can get a hassle free quote from all the top
providers at www.medicoverage.com
4) COBRA
While sounding like a bad heavy metal band, COBRA actually
stands for Consolidated Omnibus Budget Reconciliation Act.
COBRA was designed so that individuals who leave their jobs
(read: fired) can still purchase the same insurance policy
that they had with their previous employer. Cobra coverage
is very expensive, but there are typically no restrictions
for pre-existing conditions. Basically COBRA is a last resort
if previous medical conditions are keeping you from being
approved from a plan like Tonik.
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All
you have to do is just figure out which category you fall under
and then apply. If you are a:
"Thrill
Seekers," you
know you want to be covered in case of an accident and figure
you will only need to see the doctor a few times a year. That’s
the equivalent to purchasing a cell phone plan with low anytime
minutes so you can call the tow truck in case of emergencies.
"Calculated
Risk Takers," on the other hand, are willing
to pay a little more on their monthly health insurance premium
in exchange for low deductibles and unlimited trips to the doctor
in addition to comprehensive coverage for accidents. In the cell
phone analogy, The Calculated Risk Taker plan would be like 700
anytime minutes deal with no roaming nationwide long distance.
"Part Time
Daredevils" fall somewhere in between.
Check out the Overview of Plans to see which is right for you. If
you have any questions call your Authorized Anthem Blue Cross and Anthem Blue Cross and Blue Shield Tonik Agent at 888 285-6334. He is an expert on these plans
and, best of all; he works on your behalf at no additional charge
or hidden fees.
TONIK covers you for the everyday, preventive stuff (like checkups)
and the more dramatic encounters (like trips to the emergency room).
Anthem Blue Cross and Anthem Blue Cross and Blue Shield TONIK plans include coverage for:
• Seeing a doctor
• Getting generic prescription drugs
• Going to the emergency room
• Having surgery
• Seeing a dentist
• Getting eye exams, glasses or contacts
...and a whole lot more
The
Bottom Line:
You’ll find Anthem Blue Cross and Anthem Blue Cross and Blue Shield TONIK plans to be very affordable. To get an instant quote visit www.tonikplans.net. Other comparable plans often cost as much but do
not cover doctor visits or dental. The price will vary based on
your zip code, type of plan and your age. Call your authorized Anthem Blue
Cross and Anthem Blue Cross and Blue Shield Tonik Agent at 888 285-6334 today.
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