Farm Bureau Health Plans offers eight Medicare Supplement plans that help cover many costs not paid by Medicare. These “Medigaps” – such as deductibles, coinsurance and certain limitations – can be costly in the event of an accident or illness. Medicare Supplement coverage is tried and true, easy to understand, and does not use provider networks. And for each of our eight government-approved levels of coverage, Farm Bureau Health Plans rates are affordable. More than 60,000 Tennesseans are protected by our Medicare Supplement plans.
No Provider Network
With a Farm Bureau Health Plans Medicare Supplement, you can continue to use doctors, hospitals and other providers you’ve been using.
Choice of Eight Coverage Plans
Farm Bureau Health Plans offers eight Medicare Supplement (Medigap) plans whose levels of benefits are set by the federal government. The government and Farm Bureau Health Plans refer to these as plans A, B, C, D, F, G, M and N.
Click here to see a chart comparing the key benefits of all eight Medigap plans.
In brief ---
All eight plans include these basic benefits:
- Hospitalization – Medicare Part A coinsurance plus coverage for 365 additional days after Medicare benefits end
- Medical Expenses – Medicare Part B coinsurance (20 percent of Medicare approved expenses)
- Blood – First three pints of blood each year
- Hospice – Part A coinsurance
Plan A provides basic benefits coverage only. It includes no coverage for any other services. It is designed for those who feel financially able to handle both Part A and Part B deductibles plus virtually all other hospital and medical expenses above what Medicare pays.
Plans B, C, D, F, G and N add 100 percent coverage for the Part A hospital deductible. Plan M offers 50 percent coverage for the Part A hospital deductible.
Plans C, D, F, G, M and N include coverage for skilled nursing coinsurance (up to the daily coinsurance amount for days 21 through 100 of care).
Plans C, D, F, G, M and N also provide a $50,000 lifetime maximum benefit for medically necessary emergency care when traveling outside of the United States.
Plans C and F include benefits for the Part B deductible for medical expenses.
Plans F and G include coverage for 100% of Part B excess charges (the difference between the Medicare-approved amount and the provider's actual charges if the provider doesn’t accept Medicare assignments).
As long as you make premium payments on time, do not file claims with false or misleading information, you'll have the security of Farm Bureau Health Plans Medicare Supplement coverage as long as you want it.
Money Back Guarantee
If you are not 100% satisfied with your Farm Bureau Health Plans Medicare Supplement, return the certificate to us within 30 days after you receive it and we will refund any payments you have made (less any benefits provided).
Dental Coverage, Too
As an option, you can also get Farm Bureau Health Plans Dental Coverage. With a Farm Bureau Health Plans dental plan, you get affordable financial protection for not only preventive services and routine exams, but a more extensive range of services over time. More Information
Prescription Drug Coverage
Medicare does not allow supplement plans to include prescription drug coverage. Prescription drug coverage is available through Medicare’s Prescription Drug Plan (Part D). While Farm Bureau Health Plans does not offer Medicare Part D plans, there are numerous plans available in Tennessee. The best Part D plan for you will depend upon your personal prescriptions. To help in making a decision on the best plan for you, below is a simple three-step process to follow.
- Visit Medicare Plan Finder on the Medicare website.
- Enter your personal prescription information and compare Part D plans that cover your prescriptions.
- Enroll in the Part D plan of your choice from Medicare’s website.
If you need additional information regarding a Medicare Part D plan, you can also consult Tennessee State Health Insurance Assistance Program (SHIP). SHIP is a state-wide program that provides free assistance and answers to questions about Medicare. You can contact SHIP at 1-877-801-0044.