Innovative and Affordable Benefit Designs

Categories: Foster Public-Private Coverage Solutions

Blue Cross and Blue Shield of Georgia has developed a portfolio of affordable individual and small group products aimed at helping to reduce the number of uninsured Georgia residents.

• Tonik® – Provides simplified and affordable insurance aimed at covering the “invincible” young adult population.  “Big Picture” coverage includes prevention services, emergency, prescriptions, vision and dental.  The plans are simplified, and enrollment is tailored to distinct personalities and lifestyles: Calculated Risk Taker, Part-Time Daredevil and Thrill Seeker.  Average premiums are below $150 per month, with a $30 co-payment.
• NextRxSM Generic Plus One – Provides employers with a reliable pharmacy benefit with affordable, quality coverage for members of widely used brand-name medications.  The product covers all generically available medications and provides single-source branded products for highly utilized drug categories such as ADHD, arthritis, asthma, depression, diabetes, hypertension, insomnia and migraines.  Financial incentives shift employees from high-cost branded products to a lower-cost, clinically equivalent alternative, and mandatory mail-ordering further reduces costs.
• SmartSenseSM – A new, price-conscious, choice-driven health insurance plan targeted to “early” retirees, students and the uninsured.  SmartSense is designed to provide protection against expensive and unexpected medical bills and offers a variety of deductibles that allow consumers to find a premium they can afford.