Are you under 65 years of age? Farm Bureau Health Plans has a broad range of plans to suit just about everyone’s particular health coverage needs for level of coverage, deductibles, out-of-pocket payments, preventative health benefits and more.
Whether you are the head of a family interested in well-child benefits, a graduating student looking for health care coverage for the first time or a working couple getting to retire in a few years – our plans offer a wealth of choices that will help you get the coverage that’s just right for you.
Here you will find overviews of many of our health care coverage products. Each plan has different terms depending on whether you choose to use in-network or out-of-network health care providers.
The Enhance CHOICE plan is ideal for those who are looking for a health plan with preventative health, dental and vision benefits and who are not eligible for a government subsidy. Get the trifecta – health, dental and vision under one health plan. Available for individuals only.
The Core CHOICE plan for families or individuals is a health plan that offers peace of mind coverage and includes dental and vision benefits. With this plan you get a choice of two different deductible amounts. Don’t want to go to the Insurance Marketplace for your health coverage needs? Check out Core CHOICE.
The Major Medical plan is ideal for those who want catastrophic protection with the advantage of a lower cost. This plan provides benefits for physician services, hospitalization, prescription drugs and more. Available for individuals or families.
Farm Bureau Health Plans offers a range of High Deductible Health Plans (HDHP) which meet all federal requirements necessary to open a Health Savings Accounts (HSA).
Group plans are available, too, with a broad range of plan designs and options for employers.
Our ACA-compliant plans meet all the government's requirements for plans that fall under the Affordable Care Act (ACA). Another popular term used for such plans is "Obama-Care plans."
People who are covered by any of our ACA-compliant plans do not have to pay the health care tax penalty.
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The ACA-compliant Farm Bureau Gold plan provides participants full coverage with protection from health care tax penalties, at the lowest deductibles.
This ACA-compliant Gold plan provides participants with full coverage and protection from the health care tax penalty -- with the lowest deductibles and out of pocket costs available from Farm Bureau Health Plans.
Farm Bureau Health Plan's ACA-compliant Silver coverage offers full coverage with lower level deductibles and out-of-pocket maximums. You are protected from ACA healthcare tax penalties and receive all essential benefits.
Farm Bureau Health Plan's newest ACA-compliant Silver plan offers full coverage with mid-level deductibles and out-of-pocket maximums. With this type of coverage, you are protected from ACA healthcare tax penalties, have access to all essential benefits and pay a moderate premium.
The Silver HSA-eligible plan provides mid-level costs, deductibles and out-of-pocket maximums with the option of paying your health-care related costs from your Health Savings Account.
The basic Bronze plan offers the lowest rates with higher deductibles and out-of-pocket maximums. It delivers a full menu of essential coverage, ACA-compliance and protection from health care tax penalties, at the most affordable price.
The new Bronze plan for 2017 offers some of the FBHP’s lowest rates with a higher deductible and out-of-pocket maximum. It delivers a full menu of essential coverage, ACA-compliance and protection from the health care tax penalty, at a most affordable price.
The Bronze HSA plan adds eligibility for payment from a Health Savings Account (HSA) to the basic Bronze package. That means you can use tax-protected savings from your HSA to pay for your health care coverage.
Farm Bureau Catastrophic coverage features 100 percent coverage for inpatient, emergency room, specialist and preventative care but with high deductibles and out-of-pocket maximums. Coverage is ACA-compliant with full protection from health care tax penalties.
With a dental plan from Farm Bureau Health Plans, individuals and families get affordable financial protection for not only preventive services and routine exams, but a more extensive range of services over time.
Farm Bureau Health Plans offers Short Term Care health coverage to fill in temporary gaps. A Short Term Care plan is ideal for people such as those who are between jobs or recent graduates who are no longer covered as dependents under their parents' health care plan. These days, no one can afford to take the risk of being without financial protection against high health care costs – not even for a few days. A short term plan can fill such a gap.