Blue has introduced their new Tonik plan in GA. Like the Right Plan before, this is a CA import where they claim it is selling like hotcakes. I did attend the initial training class yesterday and here are my observations. Would be interested in feedback from others who have had access to the product in other states. No waivers (exclusion riders). "Immediate" underwriting & acceptance for 70% of applicants. (This is the claim by Blue). Credit for prior coverage against the pre-ex waiting period. Dental & vision included, albeit limited benefits. No coinsurance. 100% above the deductible. Easy to understand coverage. No maternity benefits. Underwriting guide is not available to agents. All online info, no "hard" copy. Everything is geared to keep the agent uninvolved in the process. Online application seems to be easy and a final rate is tendered at the end before you make application (in most cases). Some questions will result in a "referred to underwriting for review" notice. I see pluses & minuses with this plan. It appears to be overly competitive for the rich benefits offered, but that has never stopped BX before from putting a plan on the streets and then progressively raising rates for future new business & renewal. When Right Plan was imported 2 - 3 years ago I wrote a fair amount of the product. Now I don't have a single policyholder on the plan as it became too pricey for renewals and totally uncompetitive for new business.