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Health Coverage You Can Feel Good About

  • Farm Bureau Agents Know Health Insurance

    In the last few years, health insurance has changed significantly. Whether you are searching for a policy for yourself, your family, or  your business, your local Farm Bureau agent is here to help. Farm Bureau agents know health insurance. They can make getting quality coverage easy to understand and easy to buy.

  • Don't Go It Alone.

    The open enrollment period for 2017 individual plans is November 1, 2016 – January 31, 2017. I can help you understand your options and make the right choice for you and your family. For a purchase of such importance, isn’t it best to work with a neighbor who cares about their community and wants to get you the right coverage?

With a variety of options to choose from, your Farm Bureau agent will help you determine the health insurance coverage that best fits your needs and budget.

  • Individual Health Insurance

    You can choose plans based on your specific needs.  All plans cover the same set of essential health benefits, but vary in their cost-sharing elements – deductible, copay and coinsurance. Your monthly premium will be based on several factors, including:

    • Your age
    • Whether you use tobacco
    • Where you live
    • Who's enrolled in the plan (spouse or child)
    • Provider network
    • Benefit plan you choose
  • Group Health Insurance

    Whether your business is small or large, we can help you offer health insurance to your employees. I can explain the group health insurance plans available in your state.

  • Medicare Supplement and Medicare Part D plans

    If you’re over age 65 and have Medicare, we offer plans to help fill the gaps in your insurance coverage, including Medicare Prescription Drug (Part D) plans.

  • Health insurance policies vary by carrier and individual and may not be offered through all agents or available in all states. Health insurance is underwritten by a variety of insurance companies not affiliated with our companies.

  • Deductible

    The dollar amount a policyholder pays in out-of-pocket expenses before the insurance company begins to cover costs for medical services.

  • Essential health benefits

    The set of services in 10 categories of health care services that must be covered under the ACA.

    • Ambulatory patient services
    • Emergency services
    • Hospitalization
    • Maternity and newborn care
    • Mental health and substance use disorder services, including behavioral health treatment
    • Prescription drugs
    • Rehabilitative and habilitative services and devices
    • Laboratory services
    • Preventative and wellness services and chronic disease management
    • Pediatric services, up to age 19, including oral and vision care
  • Guaranteed issue

    Requires insurers to issue coverage to any individual who applies for health insurance. Coverage cannot be denied because of a pre-existing condition or health status as long as you purchase coverage during an open enrollment or special enrollment period.

  • Individual mandate

    All legalized U.S. citizens are required to have health insurance coverage or pay a tax. An individual may be enrolled in an individual plan, an employer plan or a government-sponsored plan.

  • Lifetime benefit maximum/limit

    Dollar limits that cap the amount of lifetime benefits a policyholder can receive. The Affordable Care Act prohibits lifetime benefit maximums on essential health benefits. 

  • Open enrollment period

    A period of time each year when you can purchase or change health coverage. The 2017 federal open enrollment period is scheduled for November 1, 2016, through January 31, 2017.

  • Out-of-pocket costs

    Health care costs a policyholder pays that are not reimbursed by the insurance company. These can include deductibles, co-payments and coinsurance. Premiums are not considered an out-of-pocket expense.

  • Out-of-pocket maximum

    The total amount of cost share you'll pay for certain covered services each year. After you have paid this amount out of pocket, the plan will cover any additional costs in full. 

  • Pre-existing condition

    A medical condition a person has prior to purchasing a health insurance plan. With the Affordable Care Act in place, there are no more exclusions for pre-existing conditions, meaning you can’t be denied coverage because of your health status if you purchase coverage during an open enrollment or special enrollment period.

  • Premium

    The monthly cost paid to an insurance company or a health plan for a health insurance policy.

  • Preventive benefits

    Benefits designed to keep you healthy and reduce long-term health care costs, such as early detection screenings and vaccines. Under the Affordable Care Act, most preventive services are provided at no cost, including no copayment or coinsurance.

  • Special enrollment period

    A period of time outside of open enrollment when you can enroll or change health coverage. To be eligible for special enrollment, you must have experienced a situation known as a "triggering event," which is defined by ACA regulations. Examples of triggering events include getting married, having a baby, and losing coverage because you lost a job. 

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