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.

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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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