Sounds like the beginnings of a startup idea :) I'd say my experience with HI is that it's typically best to go for customer service, as well as coverage. Whe

Sounds like the beginnings of a startup idea :) 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.