FAQs

FAQs

You can apply for coverage by visiting your local Farm Bureau office or by calling toll-free 1-877-874-8323. Click here for an instant rate quote. You may also download an application.
A benefit exclusion rider means a member cannot receive benefits for a specific illness or condition for the lifetime of the benefit exclusion. A pre-existing waiting period means a member cannot receive benefits during at least the first 12 months of coverage for any condition where symptoms existed prior to the effective date of coverage.
Contact your Farm Bureau Health Plans Representative at your local Farm Bureau office to help you through the process. The Farm Bureau Health Plans Representative will request the appropriate paperwork and keep you informed during the process. Current medical information may be required in order for us to make a decision regarding your inquiry. You can also contact us toll-free at 1-877-874-8323 or use our contact us form.
Under the federal health reform law, individuals must have health insurance called minimum essential coverage. Your plan with Farm Bureau Health Plans is minimum essential coverage. We must report this information to the Internal Revenue Service (IRS). To report, we need Social Security numbers for all the members covered under your health plan. If you don't have coverage or it's not reported to the IRS, you may have to pay a fee when you file your taxes. For more information, click here.
We want to take this opportunity to reassure you of the security of your Grandfathered coverage. Even if you have voluntarily elected to reduce your premium by increasing your deductible or “dropping” to another Grandfathered plan, your coverage remains grandfathered under the Affordable Care Act (ACA).
Contact your local Farm Bureau office and the Farm Bureau Health Plans Representative will be glad to order a new ID card for you. Should you be one of Farm Bureau Health Plans Medicare Supplement members, you can order a card through our OneConnection portal. You should receive your new card in the mail within 10 business days after it is ordered. You may also contact us toll-free at 1-877-874-8323 or use our contact us form.
Contact your local Farm Bureau office and the Farm Bureau Health Plans Representative will be happy to order a new contract for you. The contract contains all the terms and conditions of your health care coverage. Should you be one of Farm Bureau Health Plans Medicare Supplement members, you can order a contract through our OneConnection portal.You should receive your replacement contract within seven to 10 mailing days. You can also contact us toll-free at 1-877-874-8323 or use our contact us form.
You meet your deductible with eligible hospital services, prescription drugs and other services, such as lab work or X-rays. On the co-pay plans, your co-pay is a first dollar benefit and the co-pay amount does not apply to your deductible or out-of-pocket maximums. Non-covered expenses also do not apply to the deductible.
You may request a Bank Draft Authorization Form from your local Farm Bureau office or by calling our toll-free number at 1-877-874-8323. You may also click here to download the form. The form must be completed, signed, and a voided check must be attached. For savings accounts, you must take the form to your financial institution for completion of the bank routing and account numbers. No deposit slips will be accepted. This form must be received in our office 10 days prior to the next scheduled draft date.
Subscribers are able to cancel coverage for any reason within 10 days of written notice prior to the next scheduled bank draft date. Call 1-877-874-8323 for more information.
Monthly billed health and dental customers are not entitled to a refund except in the case of death when there are no dependents covered. Quarterly billed customers whose premium has been paid and who wish to cancel their coverage are entitled to a refund provided their cancelation form is received by the 25th of the month. Refunds will be calculated from the following 1st of the month to the paid-to date. Please notify Farm Bureau Health Plans at 1-877-874-8323 if eligibility changes for any covered individuals.
A pre-existing waiting period protects existing members' premiums. A pre-existing waiting period means a member cannot receive benefits during at least the first 12 months of coverage for any symptom or condition that existed prior to the effective date of coverage. Because the cost of individual coverage is based on use of benefits by the entire membership, pre-existing waiting periods help Farm Bureau Health Plans provide coverage at a significantly lower cost than if pre-existing waiting periods were not in place. If pre-existing waiting periods were not in place, people could wait until they became ill to get health care protection, driving health care costs to an unaffordable level for everyone.
Once they become ineligible as a dependent on their parents' coverage or for Children's Coverage, they have 60 days to transfer to their own individual coverage. They can transfer to Farm Bureau Health Plans individual coverage when they become ineligible without any further medical or health review, even if they have developed an illness or medical condition while enrolled in the previous plan. Call us at 1-877-874-8323 prior to their 26th birthday to assist with transition to their own policy.
For a list of plans and their network, please click here.

Here at Farm Bureau Health Plans we always want to point you in the right direction when it comes to your health care coverage. Although we do not offer a Part D prescription drug plan at this time, we think it’s important to provide you the information you need to select a Part D plan that best suits your needs and your budget.

Not everyone needs a Part D plan. Some people on Medicare don’t need it because they already have other drug coverage, such as through a current or former employer.
Although enrollment in a Part D plan is not required, even people who do not take any medications should consider joining a plan when they are first eligible for Medicare. You may be charged a late enrollment penalty if you decide to join Part D at a later date unless you have had creditable coverage (coverage that pays as well as a standard Part D plan) since you first became eligible for Medicare.
Each drug plan has their own formulary, or list of medications they cover. You’ll want to choose a plan that contains all your medications on its formulary. The Plan Finder tool on www.medicare.gov will help you identify plans that cover your medications. It will calculate which plan covers your medications at the lowest Estimated Annual Drug Cost. It will also provide information about quality ratings, drug restrictions and whether or not your pharmacy has preferred pricing.

You’ll want to take three costs into consideration – premiums, deductibles and copays. The plan’s Estimated Annual Drug Cost is the total of 12 monthly premiums, the annual deductible and 12 months of copays.

  • There are twenty-five Part D prescription plans available in Tennessee in 2018. Premiums range from $17.70 to $124.70 per month.
  • The maximum annual deductible is set by law. Deductibles can be as high as $405.00 in 2018.
  • Copay amounts depend on each drug’s "tier."" Plans typically have four or five drug tiers. Tier 1 drugs are generic medications with the lowest copays. Brand name medications are found in higher tiers. Your share of the cost in the higher tiers may be specific dollar amount (copay) or a percentage of the cost of the drug (co-insurance). The Plan Finder tool will calculate copays or coinsurance for all your medications for all drug plans in Tennessee.
You will need a list of all your medications along with the number of milligrams (mg) and the number of times a day you take each one. You will also need to provide the name of your pharmacy and zip code.
You can use the Plan Finder tool on www.medicare.gov to enroll in a Part D plan. You can also enroll by calling Medicare at 1-800-633-4227 or the State Health Insurance Assistance Program (SHIP) at 1-877-801-0044.

If you would like to join the Farm Bureau Essential Rx or the Farm Bureau Select Rx drug plans, call us a 1-844-368-8738 (TTY 711) between 8am and 8pm or visit us at www.fbhealthplans.com/part-d. We are open five days a week between February 15 and September 30; seven days a week from October 1 - February 15.

The penalty is based on the number of months you did not have, but could have had, Part D coverage. For example, if you were 12 months late signing up for Part D, your penalty would be 12 months x National Base Beneficiary Premium ($35.02 in 2018) x 1 percent = $4.20. The result of this calculation is then rounded to the nearest ten cents. In this case, we are already there. You will pay a $4.20 penalty in addition to your drug plan premium every month. The penalty will be recalculated whenever the National Base Beneficiary Premium changes and will continue for the rest of your life.

Keep in mind - you will not be charged a late enrollment penalty for any months you had creditable drug coverage.

Only if having all your medications covered at a competitive price is important to you. The Centers for Medicare and Medicaid Services (CMS) allow drug plans to change their entire cost and benefit structure each year. The drug plan that was an excellent choice for you this year may not work well for you next year. Plans can make changes to any of the following:

  • Formularies (which drugs are covered by the plan)
  • Drug restrictions (prior authorization, step therapy, quantity limits)
  • Preferred pharmacy networks
  • Monthly premiums
  • Annual deductibles
  • Copayment and coinsurance amounts

The only way to be absolutely sure you are getting a plan that works well for you at the best possible price is by performing a drug plan comparison each year during the Oct. 15 – Dec. 7 Medicare Open Enrollment Period.

Go to www.medicare.gov.

Select "Find health & drug plans."

Health and Drug Plans

Medicare Plan Finder

Enter your zip code in the “General Search” box.

Select “Find Plans.”

Find Plans

Step 1 of 4: Enter Information

  • Click buttons for “Original Medicare” and “I don’t get any Extra Help.” ** You may qualify for Extra Help paying for your Part D prescriptions if your income and resources are below a certain limit. In 2017, the annual income limit for one person is $18,096 ($24,360 for a married couple) and the resource limit is $13,820 per person ($27,600 per married couple). Contact the Social Security Administration at 1-800-772-1213 or www.ssa.gov to apply.
  • Select “Continue to Plan Results.”

Continue to Plan Results

Step 2 of 4: Enter Your Drugs

  • Enter your fist medication in the “Type the name of your drug” field.
  • Select “Find My Drug.”
  • In the “Search Results” section, select “Add Drug” across from selected medication.

A pop-up box will appear.

Dosage – Click button in front of the correct dosage.

Quantity and Frequency – Enter “30” and “Every one month” if you take one pill every day (that’s 30 pills each month). For two pills a day, enter “60” and “Every one month.” Adjust these two fields to represent the actual number of pills you take each day.

Pharmacy type - Select retail pharmacy even if you do mail order. You will be able to show three months at a time via mail order without checking these boxes later on in the process.

Once you’ve made your four selections in the pop-up box, select “Add drug and dosage.” You will be returned to previous page.

  • Record the system-generated Drug List ID and Password Date.
  • Repeat this process for the balance of your medications.
  • Once your list is complete, select “My Drug List is Complete.”

My Drug List is Complete

Step 3 of 4: Select Your Pharmacies

  • Select at least one pharmacy. You may select a maximum of two pharmacies.
  • Select “Continue to Plan Results.”

Step 4 of 4: Refine Your Plan Results

  • Check “Prescription Drug Plans (with Original Medicare).”
  • Select “Continue to Plan Results.”

Your Plan Results

The first entry will be “Your Current Plan.” This will show Original Medicare if you did a general (as opposed to a personalized) plan search. Go down to the list of Prescription Drug Plans in section below.

The first plan listed in the Prescription Drug Plan section is the plan with the Lowest Estimated Annual Retail Drug Cost. This is the plan with the lowest total of 12 months of premiums, annual deductible and 12 months of copays/coinsurance.

Do not make your decision based on price alone. Review the Overall Star Rating, Drug Coverage and Restrictions, and Pharmacy Status associated with this plan. If you are not happy with anything you see, move down to the next plan on the list and repeat this process.

You can examine each plan individually or compare up to three plans at a time by checking the box in front of the plan names and selecting the “Compare Plans” button.

For additional details, double click on the plan name to access the Your Plan Details screen.

Your Plan Details

This screen shows additional details such as monthly copays for each medication throughout the year, drug restrictions, mail order pricing and whether or not you are expected to enter the donut hole during the calendar year.

No further action is required if you choose to remain on the same drug plan. If you select a different plan for next year, click

on the “Enroll” button on the right hand side of the Your Plan Results or the Your Plan Details screen.

Complete the online application. You will be asked to enter the following personal information:

 

  • Name as it appears on your red, white and blue Medicare card
  • Date of birth
  • Gender
  • Home telephone number
  • Street address
  • Mailing address
  • Emergency contact (optional)
  • Medicare number
  • Effective dates for Parts A and B
  • Method of paying plan premium
  • Name of additional drug coverage, if any
  • Name of long-term care facility (if that is your place of residence)

You will be asked to verify the accuracy of the information you entered and to answer a couple of basic questions. Once you have successfully submitted your application, you will see a page called “Enrollment Request Received.” Be sure to print this page and record your confimation number.

-This is a solicitation of insurance.
-A representative of TRH Health Insurance Company may contact you.
-Benefits not provided for expenses incurred while coverage under the policy is not in force, expenses payable by Medicare, non-Medicare eligible expenses or any Medicare deductible or copayment/coinsurance or other expenses not covered under the policy.

Ready to Enroll?

Farm Bureau Health Plans is proud to offer quality coverage at an affordable cost.

Medicare Supplements Insured by TRH Health Insurance Company, Columbia, TN.
TRHH-POST-POLA-FL14-174; TRHH-POST-POLB-FL14-175; TRHH-POST-POLC-FL14-176; TRHH-POST-POLD-FL14-177; 
TRHH-POST-POLF-FL14-178; TRHH-POST-POLG-FL14-179; TRHH-POST-POLM-FL14-180; TRHH-POST-POLAN-FL14-181
Not connected with or endorsed by the U.S. or state government. This is a solicitation of insurance. A representative of TRH Health Insurance Company may contact you. Benefits not provided for expenses incurred while coverage under the policy is not in force, expenses payable by Medicare, non- Medicare eligible expenses or any Medicare deductible or copayment/coinsurance or other expenses not covered under the policy.

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