Paul Buchheit just linked to Tonik from his blog. Anyone have any experience with BC/Tonik? Are they any good? How about Kaiser? Someone mentioned State Farm as well. Kaiser's cheapest CA plan is $109 a month for a $1500 deductible, Tonik is around $89 for a $3k deductible. Is there a good link to reviews of these plans?
Definitely not a fan of Kaiser. They're really restrictive and extremely good at avoiding proper treatment from what I've seen. With most normal HMOs you can at least see a variety of somewhat-independent doctors and some quite-independent specialists. It's easy to move around. I hate to recommend any insurance company but Blue Shield of California did okay for me.
I'd say my experience with HI is that it's typically best to go for customer service, as well as coverage. When I had Kaiser, it was excellent. Blue Cross/Blue Shield, typically, has excellent coverage as well. Don't know about Tonik.
