Short Term Care

Short Term Care

About the Plan
Short Term coverage helps you bridge the gap until you’ve made arrangements for more permanent health care coverage. It is ideal for people between jobs, recent graduates and those no longer covered as a dependent under a parent’s health plan. 

Farm Bureau Health Plans uses UnitedHealthcare ChoicePlus Network. Please keep in mind that in-network payments are based on negotiated fees. If an out-of-network provider is used, the member’s liability will increase significantly.

Provider Network
Schedule of Benefits

  In-Network Out-Of-Network

Benefit Period Deductible1

(Unless otherwise indicated, all benefits are subject to the deductible)


$1,000 per member
(up to a maximum of $3,000 for family coverage)

Out of Pocket Maximum2

  $5,000 individual

$12,500 family


Lifetime Benefit Maximum

$250,000 per member


  1. Deductible per member per benefit period. Benefit periods range from 60 days, 90 days and 180 days.
  2. When the applicable Out-of-Pocket Maximum for in-network provider services is reached, 100% of the Maximum Allowable Charge is payable for other Covered Services received from an in-network provider during the remainder of the benefit period.

  In-Network Out-Of-Network


20% of eligible charges (plan pays 80% of eligible charges) 40% of eligible charges (plan pays 60% of eligible charges)

Prescription Drug Coverage

  • Generic | Farm Bureau Health Plans will reimburse 80% of the maximum allowable charge, after deductible, when purchased at an in-network pharmacy
  • Brand Name | Farm Bureau Health Plans will reimburse 80% of the maximum allowable charge, after deductible, when purchased at an in-network pharmacy
  • Home Delivery service is also available

Pre-Existing Condition Waiting Period

Benefits will not be provided for any pre-existing condition. A pre-existing condition is defined in the contract as "An illness, injury, pregnancy or any other medical condition which existed at any time preceding the effective date of coverage under this contract for which: Medical advice or treatment was recommended by, or received from, a provider of health care services; or symptoms existed which would cause an ordinarily prudent person to seek diagnosis, care or treatment."

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.
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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