Young adult and student health insurance plans from Anthem Blue Cross. Anthem Blue Cross offers health plans specificaly designed with young adults and students in mind. The plans are called Tonik. Tonik is an innovative new approach to health insurance. Tonik plans were designed to cover what is most important to you with added dental and vision benefits for the total health care package at an affordable rate.
Get it while you're healthy. Experts say healthy young adults can buy insurance at reasonable rates — and they should.
It's tougher if you have a medical condition. Some insurance companies have denied coverage for something as simple as an allergy, says Sandy Praeger. She's past president of the National Association of Insurance Commissioners and is the current insurance commissioner for Kansas.
Emily Weinstein graduated from college into an economic meltdown, and as a self-employed jewelry maker she'll be lucky to bring in $16,000 this year.
Heath insurance is out of reach, so she avoids thinking about what would happen if she got sick, was hurt in a traffic accident or was severely burned while making a silver necklace in her home studio.
"Would I have to declare bankruptcy at age 23 or would my parents have to bail me out?" asked Weinstein, of Portland, Ore. "What would I do?"
Several people have asked me for some tips on how to find health insurance. I didn’t mean to scare anyone, but if my intense pain reminds someone to get insurance, at least something good came out of it! I did do some searching myself last year - the good news is that if you are young and in good health, you can get some high-deductible insurance for around $100 a month. The deductibles may still reach in the thousands, but $5,000 would be the least of your worries if you had just one serious incident. A reader got billed $3,075 for each CT scan taken!
Have you heard about health plans called Tonik, the health insurance plans for thrill-seekers, part-time daredevils and calculated risk-takers? These three Individual PPO plans are simple and straight-up giving you the benefits you need without making you pay for things you dont want.
A Tonik plan covers you for the everyday, preventive stuff (like checkups) and the more dramatic encounters (like, dare we say, knee surgery). And the application is quick and easy its all online and only takes about 15 minutes. Tonik does not include maternity coverage.
