Transcript Tonik - Anthem

TONIK Health Plans
March 2009
TONIK
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3 health plans
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Targeted to 20-something's
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Simplified benefit and design
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Online enrollment
Mature Mavericks
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No longer covered under a family policy
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Not yet established in the workforce
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Healthy, not overly preoccupied with
health care
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In the process of discovering themselves
and experiencing life first-hand
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Want to be seen as independent and
responsible
Mature Mavericks
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Prefer instant gratification
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Use internet as resource
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Individuality and quality of life are big
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It’s about health vs. health insurance
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Most are healthy
What did our research uncover?
Why aren’t they buying health insurance?
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Costs too much
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It’s complicated
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Tendency to procrastinate
What did they want in a plan?
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Comprehensive
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Not just about a Product  Service
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Online
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Easy to use
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Instant decision
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In their language
Solution = TONIK
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An original approach to health insurance
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A new way of talking
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It has it’s own website
It has attitude
A new way of applying
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TONIK talks about health coverage in a straightforward,
conversational style – their style
A new way of connecting
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Simplified plans with the benefits they’re looking for
It’s online – because they are
Easy and painless
Simplified underwriting
Solution = TONIK
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TONIK appeals to target on emotional and
logical levels
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Independent
Confident
Peer
Irreverent
Straightforward
Affirming and Positive
Approachable
Solution = TONIK
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Affordability
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Procrastination - Wait and see
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The 19-29 segment can find a comprehensive plan for
around $100* that even includes dental and vision
We make it easy to pay by credit card, paper or
electronic check, or monthly bank draft which can be
automated, making it easier to prioritize the cost
The combination of easy to buy and affordable coverage
Confusion - Head in the sand
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Communicating in their language means they will listen,
not tune out
With 3 simple health plans, it’s easy
*Can be more or less depending on plan, where they live and their medical history.
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Solution = TONIK
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Reasons to buy
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Being insured reflects independence,
responsibility and maturity
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Affirmation
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Their parents have less to complain about,
less to point out as another sign of
adolescent behavior
What about the benefits?
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TONIK Benefits
Thrill Seeker
Part-Time
Daredevil
Calculated
Risk-Taker
Annual
Deductible
$5,000
$3,000
$1,500
Annual
Out-of-Pocket
Maximum
$5,000
$3,000
$1,500
$20
4 visits/year
$30
4 visits/year
$40
unlimited visits
Benefits
(in-network)
Doctor Visit
Copay
Deductible waived
Lifetime Covered
Charges
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$5,000,000
TONIK Benefits
Thrill Seeker
Part-Time
Daredevil
Calculated
Risk-Taker
Prescription —
Generic only
$15
$15
$15
Emergency
Room
$0 after
deductible
$0 after
deductible
$0 after
deductible
In/Outpatient
Hospital
$0 after
deductible
$0 after
deductible
$0 after
deductible
In/Outpatient
Professional
Services
$0 after
deductible
$0 after
deductible
$0 after
deductible
Benefits
(in-network)
There is no maternity coverage on these plans.
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TONIK Benefits
Dental
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Included in all plans
PPO network
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No waiting periods!
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Cleanings, Exams, X-rays
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In-Network
$0, deductible waived
Annual Deductible
$25
Fillings
20%
Annual Maximum Benefit
$500
TONIK Benefits
Optional Enhanced Dental Buy-Up
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Coverage for additional services like oral surgery,
scaling, root canals and crowns for around $25/month
PPO network
In-Network
Preventive/Diagnostic*
0%
Basic and Adjunctive Services*
20%
Major
50%
(oral surgery, endodontics, periodontics, prosthodontics)
Annual Maximum Benefit - $1,000
Annual Deductible
(waived for preventive/diagnostic)
- $25
*In addition to coverage included with TONIK
Waiting periods: 6 months for Basic/Adjunctive; 12 months for Major services
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TONIK Benefits
Vision
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Included in all plans
Deductible waived
Glasses, Contacts
(every 24 months)
Exam, Glasses, Contacts
(every 12 months)
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$100 benefit for frames or
$80 for contact lenses
Pay only $25 for basic
eyeglass lenses
$50 benefit
TONIK Benefits
Optional Term Life Coverage
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Part of the TONIK application process
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$15K, $30K, $50K, $75K or $100K benefit
choices
TONIK Rates
20-year-old female Thrill Seeker
Part-Time
Daredevil
Calculated
Risk-Taker
Annual Deductible
$5,000
$3,000
$1,500
Rates
$70 - $104
$87 - $131
$122 - $188
Prices depend upon where your client lives, their age, their gender and their medical history
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Agent Value
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Same commission as all plans
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Online tool agents need to reach market
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Online application takes about 15 minutes
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Auto-adjudication – instant answer
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AMAP materials available
Selling TONIK
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Send a TONIK introduction letter to your clients
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Query a list of your likely "empty-nester" clients
(adult children prospects)
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Target Small Group overage dependents
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Identify community-based speaking opportunities
at youth-oriented events
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Contact a medical group in your area and ask if
you can put TONIK information in their facilities
Selling TONIK
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Contact your local community college or university
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Consider placing an ad in the Orange County Weekly or
Los Angeles Weekly or similar paper in your area
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Would they permit a bill stuffer?
Could you speak to students about how being uninsured
can have a devastating financial impact on young people?
Youth usually read these publications for the concert/event
listings
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Ask about placing TONIK materials, such as brochures,
in surf shops, bike shops, etc.
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Consider sponsoring a booth at a surfing event, skating
event or dirt bike event
Get Connected – It’s easy!
TONIK is happening online… are you?
Don’t miss out on this growing opportunity
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Agent Sales Technology
AgentConnect
AgentConnect is the process of linking your agency’s website or URL to
ours. There’s no cost to you — but lots of benefits:
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Establish a comprehensive, professional
web presence without developing a custom
website
Get easy sales with the PlanFinder and
Apply On-line Now features for new clients
Strengthen existing client relationships by
providing access to Member Services and
MyBCCLink
Create a one-stop resource for many forms
and features that are very helpful for new
and existing clients
To create the AgentConnect Link:
 Select AgentConnect from the Technology
drop-down menu
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Click on Get Connected Now!
Follow the brief instructions and…
…GET CONNECTED NOW!
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Agent Online
Agent Online offers links
to companies that Anthem
Blue Cross has partnered
with to provide assistance
in creating a website.
We have also included four
downloadable web
templates to help in the
designing process, should
you choose to build a
website.
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Get Connected
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TONIK.
Sell the plans.
Sell the experience.
The Tonik plans are offered by Anthem Blue Cross Life and Health Insurance Company. Anthem Blue Cross is the trade name of Blue Cross of
California. Anthem Blue Cross and Anthem Blue Cross Life and Health Insurance Company are independent licensees of the Blue Cross
Association. ® ANTHEM is a registered trademark. ® The Blue Cross name and symbol are registered marks of the Blue Cross Association.