Tonik Questions

Who underwrites Tonik Health Insurance?

Tonik Health Insurance is offered by Anthem Blue Cross and Blue Shield, one of the largest insurance providers in the world, and the most trusted name in the insurance industry. Blue Cross Tonik is a revolutionary new generation of health insurance for a new generation with new health insurance needs.

What makes Tonik Health Insurance different?

Tonik Health Insurance is health insurance, dental insurance, vision insurance, and generic drug coverage all in one simple affordable plan. The easy online application takes only about 15 minutes and has immediate approval for qualifying applicants.

Not only is Tonik Health Insurance complete insurance coverage, but Tonik also includes high quality preventive care, office visits, emergency, and hospital care. With network coverage there is no need for a primary physician, and with the Blue Card© program coverage you are covered nation wide throughout the United States.

Tonik Health Insurance also has its own dedicated customer service department, and you can speak with a licensed health agent by calling toll free 1-877-MY-TONIK.

Where is Tonik Health Insurance offered?

Tonik Plans are currently being offered in six states: TONIK CALIFORNIA, TONIK COLORADO, TONIK CONNECTICUT, TONIK GEORGIA, TONIK NEVADA, and TONIK NEW HAMPSHIRE.

What if Tonik is not yet available yet in my state?

Tonik Health Insurance is currently only available in the six states listed above.  Other states may offer comparable plans, however plans do vary from state to state.  Follow this link to see the available health insurance plans in your state.

How much does Tonik Health Insurance cost?

Rates vary from state to state and also depend on which plan you choose. There are three different plans to choose from, each laid out in simple and clear language. All three plans offer the same all-around coverage: preventive, emergency, prescriptions, eyes, and teeth. The only difference is the monthly premium, deductible, co-pay, and number of doctor's visits included. Simply click the link for your specific state for more specific information on the plans and pricing in your state.

Do I pay the deductible right away?

No, a deductible only comes into play only when you are being treated for certain conditions or illnesses.
 

What is a co-pay?

A co-pay is an amount that you pay for a service. For example with Tonik you pay either $20, $30, or $40 co-pay for an office visit. When you need generic drugs you only pay a $10 co-pay.

Do I get to choose my own doctor?

Yes, you certainly do get to pick your own doctor.

TONIK DOCTOR FINDER - If you are located in Colorado, Connecticut, Georgia, Nevada, or New Hampshire, follow this link and then click on your state to see a list of doctors and health care providers in your state (the doctor finder will open up in a new window) .

TONIK CALIFORNIA DOCTOR FINDER - If you are located in California, follow this link for a list of doctors and health care providers in California (the doctor finder will open up in a new window).

Does Tonik include prescription drug coverage?

Yes, all Tonik plans cover generic drugs. With Tonik you only pay a $10 co-pay to fill a generic prescription. Remember Tonik does not offer coverage for brand name medications. Many pharmaceuticals do have a generic equivalent, but if you need brand name drug coverage you should call us directly at 1-877-MY-TONIK so an agent can help match you up with a plan that best fits your needs.

Does Tonik "lack" any coverage that I should know about?

Tonik plans are similar to most health plans being offered in the United States. However, Tonik is slightly unique because it does not cover maternity or brand name drugs. If you need maternity or brand name drug coverage you should call us directly, 1-877-MY-TONIK so an agent can work with you to find the best plan for you.

Does it matter where I purchase my Tonik plan?

No, each state specifically regulates the costs of health insurance. This is done to ensure every resident pays the same premium. Anthem Blue Cross and Blue Shield has thousands of authorized brokers and agents who receive commissions directly from Anthem. No additional charges are passed on to the consumer. You can either purchase directly online, or by calling 1-877-MY-TONIK to speak with a licensed health professional.

How long does it take for my Tonik application to be approved?

This primarily depends on your health. A clean application with no major health concerns can be approved almost immediately. If you have recently received medical treatment your application may take a little longer. If you currently are receiving medical treatment we recommend calling us at 1-877-MY-TONIK before submitting your application.

If I sign up for Tonik am I "locked in" for a certain amount of time?

Absolutely not. There are no minimum contracts. Some people only need a medical policy for a few months, while others need a plan for many years.

What is the age requirement to apply to Tonik?

Anyone under the age of 65 can apply for Tonik. If you are over the age of 65 you can call us at 1-877-698-6645 and we can help you with a Medicare Supplement product.

Can I read testimonials from others about Tonik?

Yes, we have a Tonik health insurance review page where you can read about other people's experience with Tonik health insurance.