March 2009

TONIK Health Plans

TONIK

3 health plans

Targeted to 20-something's

Simplified benefit and design

Online enrollment

2

Mature Mavericks

No longer covered under a family policy

Not yet established in the workforce

Healthy, not overly preoccupied with health care

In the process of discovering themselves and experiencing life first-hand

Want to be seen as independent and responsible

3

Mature Mavericks

Prefer instant gratification

Use internet as resource

Individuality and quality of life are big

It’s about health vs. health insurance

Most are healthy

4

What did our research uncover?

Why aren’t they buying health insurance?

Costs too much

It’s complicated

Tendency to procrastinate

5

What did they want in a plan?

Comprehensive

Not just about a Product Service

Online

Easy to use

Instant decision

In their language

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Solution = TONIK

An original approach to health insurance Simplified plans with the benefits they’re looking for

A new way of talking TONIK talks about health coverage in a straightforward,

conversational style – their style

A new way of connecting It has it’s own website It has attitude

A new way of applying It’s online – because they are Easy and painless Simplified underwriting

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Solution = TONIK

TONIK appeals to target on emotional and logical levels

Independent Confident Peer Irreverent Straightforward Affirming and Positive Approachable

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Solution = TONIK

Affordability 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

Procrastination - Wait and see The combination of easy to buy and affordable coverage

Confusion - Head in the sand 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

Reasons to buy Being insured reflects independence,

responsibility and maturity

Affirmation

Their parents have less to complain about, less to point out as another sign of adolescent behavior

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What about the benefits?

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TONIK Benefits

Benefits(in-network)

Thrill SeekerPart-Time Daredevil

Calculated Risk-Taker

Annual Deductible $5,000 $3,000 $1,500

Annual Out-of-Pocket

Maximum$5,000 $3,000 $1,500

Doctor Visit Copay

Deductible waived

$20

4 visits/year

$30

4 visits/year$40

unlimited visits

Lifetime Covered Charges $5,000,000

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TONIK Benefits

Benefits(in-network)

Thrill SeekerPart-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

There is no maternity coverage on these plans.

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TONIK Benefits

In-Network

Cleanings, Exams, X-rays $0, deductible waived

Annual Deductible $25

Fillings 20%

Annual Maximum Benefit $500

Dental Included in all plans PPO network No waiting periods!

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TONIK Benefits

In-Network

Preventive/Diagnostic* 0%

Basic and Adjunctive Services* 20%

Major (oral surgery, endodontics, periodontics, prosthodontics)

50%

Annual Maximum Benefit - $1,000

Annual Deductible (waived for preventive/diagnostic) - $25

Optional Enhanced Dental Buy-Up Coverage for additional services like oral surgery,

scaling, root canals and crowns for around $25/month PPO network

*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 Included in all plans Deductible waived

Glasses, Contacts(every 24 months)

$100 benefit for frames or $80 for contact lenses

Pay only $25 for basic eyeglass lenses

Exam, Glasses, Contacts(every 12 months)

$50 benefit

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TONIK Benefits

Optional Term Life Coverage Part of the TONIK application process

$15K, $30K, $50K, $75K or $100K benefit choices

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TONIK Rates

20-year-old female Thrill SeekerPart-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 history18

Agent Value

Same commission as all plans

Online tool agents need to reach market

Online application takes about 15 minutes

Auto-adjudication – instant answer

AMAP materials available

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Selling TONIK

Send a TONIK introduction letter to your clients

Query a list of your likely "empty-nester" clients (adult children prospects)

Target Small Group overage dependents

Identify community-based speaking opportunities at youth-oriented events

Contact a medical group in your area and ask if you can put TONIK information in their facilities

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Selling TONIK

Contact your local community college or university Would they permit a bill stuffer? Could you speak to students about how being uninsured

can have a devastating financial impact on young people?

Consider placing an ad in the Orange County Weekly or Los Angeles Weekly or similar paper in your area

Youth usually read these publications for the concert/event listings

Ask about placing TONIK materials, such as brochures, in surf shops, bike shops, etc.

Consider sponsoring a booth at a surfing event, skating event or dirt bike event

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TONIK is happening online… are you?

Don’t miss out on this growing opportunity

Get Connected – It’s easy!

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Agent Sales Technology

AgentConnectAgentConnect is the process of linking your agency’s website or URL to ours. There’s no cost to you — but lots of benefits:

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 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.