Tonik Health Care Offered by Unicare Premier Agent of

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Tonik Health Insurance, introduced by Blue Cross of California, offers a paperless application that has taken weeks off the average underwriting process.

Unicare Premier agent Jeff Cline is now offering the affordable Tonik Health Care policy for the "invincible generation," people aged 19 to 29.

Cline, one of the top producing health insurance agents in the nation, is recommending Tonik Health as the best plan he has ever offered.

"Tonik Health has made its mark on this industry," said Cline, founder of ( "Blue Cross of California's (Blue Cross) affiliate, BC Life & Health Insurance Company, has taken health insurance to a whole new level. This is unlike anything I have ever seen."

The unique health plan is tailored to the lifestyle and attitudes of ''young invincibles'' (young adults ages 19 to 29) who are California residents. There are currently an estimated 1.6 million uninsured 19 to 29-year-olds in California. According to Blue Cross of California, young adults have the highest rate of being uninsured (about 30 to 40 percent) because they tend to be those who are no longer being covered by family insurance policies and are just beginning new careers that are less likely to include insurance or health benefits offered by employers.

Cline has many reasons why he is so enthusiastic about the plan, including the simplicity of the application process. "Yesterday, a customer called me after visiting our Web site; it took us only 12 minutes to complete his application and then nine minutes later, he received his approval letter," Cline said. "I also worked with a customer today who found me on MSN under a search for 'Tonik,' and within 19 minutes from his search he had his approval letter."

The online application and Tonik system has taken weeks off the traditional average underwriting process. Cline adds that not all cases will go as smoothly as the examples mentioned; the process varies for each individual.

"I am so impressed with Blue Cross and their ability to provide such a wonderful site, and great coverage for such a affordable price," he said.

California residents can find more information or apply for the plan by visiting

All other states can receive free quotes and applications at


Jeffrey D. Cline


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