Health Coverage You Can Feel Good About

With a variety of options to choose from, your Farm Bureau agent will help you determine the health insurance coverage that best fits your needs and budget.

• Individual Health Insurance

  You can choose plans based on your specific needs.  All plans cover the same set of essential health benefits, but vary in their cost-sharing elements – deductible, copay and coinsurance. Your monthly premium will be based on several factors, including:

  • Your age
  • Whether you use tobacco
  • Where you live
  • Who's enrolled in the plan (spouse or child)
  • Provider network
  • Benefit plan you choose

• Group Health Insurance

  Whether your business is small or large, we can help you offer health insurance to your employees. I can explain the group health insurance plans available in your state.

• Medicare Supplement and Medicare Part D plans

  If you’re over age 65 and have Medicare, we offer plans to help fill the gaps in your insurance coverage, including Medicare Prescription Drug (Part D) plans.

Health insurance policies vary by carrier and individual and may not be offered through all agents or available in all states. Health insurance is underwritten by a variety of insurance companies not affiliated with our companies.

• Deductible

  The dollar amount a policyholder pays in out-of-pocket expenses before the insurance company begins to cover costs for medical services.        

• Lifetime benefit maximum/limit

  Dollar limits that cap the amount of lifetime benefits a policyholder can receive. The Affordable Care Act prohibits lifetime benefit maximums on essential health benefits. 

• Open enrollment period

  A period of time each year when you can purchase or change health coverage for individuals under 65. The 2018 federal open enrollment period is scheduled for November 1, 2017, through December 15, 2017.

• Out-of-pocket costs

  Health care costs a policyholder pays that are not reimbursed by the insurance company. These can include deductibles, co-payments and coinsurance. Premiums are not considered an out-of-pocket expense.

• Out-of-pocket maximum

  The total amount of cost share you'll pay for certain covered services each year. After you have paid this amount out of pocket, the plan will cover any additional costs in full.      

• Premium

  The monthly cost paid to an insurance company or a health plan for a health insurance policy.