Blue Cross Tonik


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Health Insurance works on the principle of sharing risk between the carrier and the insured. The carrier I represent is Blue Cross of California. If you were to subscribe to a particular insurance plan, you would be the insured.

Health insurance carriers share the risk of the insurance plan with the insured through the following overall approach:

You Pay the Deductible

You Pay the Co-insurance and/or Co-pay

You reach an out of pocket max and get everything covered at 100% after that.

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