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Has anyone used their Tonik Health Insurance Plan?

I got a Tonik 1500 plan. It is a Blue Cross plan. It was last year and I still never used it. Anyways I pay about $150 a month. Through my new job I could switch to a group plan with Aetna but I would still have to contribute around $150 month and I wouldn't have dental or vision. Any ideas? The deductible would drop a little, but then I would have to keep paying on the Aetna plan where I don't pay after deductible on the Tonik plan. Does anyone have positive or negative feedback about Tonik health insurance.

Public Comments

1. Yes, I had Tonik health insurance for a few years now. I broke my ankle and needed a cast and about 7 office visits and 5 P.T. sessions. I only paid $1500.00. I think this was a deal because I was hiking in Yosemite and it was a heck of a trip to the hospital. For what I pay a month Tonik is well worth it. I think my whole bill would had been around 10 or 12 thousand dollars. I also use the dental and vision. The dental pays for all my cleanings and exams and once I had 2 cavities and I only paid about $50. I also used a coupon at lenscrafters and then I submitted a claim to Tonik and they gave me $100. So I only paid about $44 for a pair of frames that was over $200. I originally got my plan through www.tonikhealthinsurance.com
2. The biggest advantage with Tonik is that you own the policy, not your employer. As long as you continue to pay the premium Anthem cannot cancel the policy, and, you cannot be singled out for a rate increase. With a group policy, your insurance is at the whim of your employer. The feedback I've had as an agent in Colorado is positive. Don http://mtnhealthinsurance.com