Short Term Care
Are you a college student? Between jobs? Short term plans help you bridge the gaps in your health care coverage during times of transition.
Short Term Coverage Overview
Deductible
|
Individual |
Family |
|---|---|
|
$1,000 |
$3,000 max/ $1,000 per member |
|
per benefit period |
per benefit period |
In-Network Out-of-Pocket Max
|
Individual |
Family |
|---|---|
|
$5,000 |
$12,500 |
|
per benefit period |
per benefit period |
Out-of-Network Out-of-Pocket Max
|
Individual |
Family |
|---|---|
|
Unlimited |
Unlimited |
|
per benefit period |
per benefit period |
Benefit Period Max
|
Individual |
Family |
|---|---|
|
$250,000 |
$250,000 per member |
|
per benefit period |
per benefit period |
Overview
In-Network
|
Individual |
Family |
|
|---|---|---|
|
$1,000 |
Up to a maximum of $3,000 per member |
|
|
Out of Pocket Maximum2 |
$5,000 |
$12,500 |
|
Benefit Period Maximum |
$250,000 |
$250,000 per member |
Out-Of-Network
|
Individual |
Family |
|
|---|---|---|
|
$1,000 |
Up to a maximum of $3,000 per member |
|
|
Out of Pocket Maximum2 |
Unlimited |
Unlimited |
|
Benefit Period Maximum |
$250,000 |
$250,000 per member |
1Deductible per member per benefit period. Benefit periods range from 60 days, 90 days and 180 days.
2When 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.
Services
Coinsurance
|
In-Network |
Out-Of-Network |
|
|---|---|---|
|
Coinsurance |
Plan Pays 80% |
Plan Pays 60% |
|
No charge |
No coverage |
Prescription Drug Coverage
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.”
We use the UHC Choice Plus network. That means if you choose an in-network provider, your costs stay lower thanks to pre-negotiated rates with UnitedHealthcare. If you visit an out-of-network provider, you’ll likely face higher costs and may be responsible for amounts beyond what your plan covers.
Want to make sure you’re getting the most value? Check your provider’s network status before scheduling care.
Peace of Mind for Life’s Unexpected Turns
Have A Farm Bureau Health Plans Rep Contact You For More Information
Individual & Family Plans
Farm Bureau Health Plans utilizes the UHC Choice Plus Network which is UnitedHealthcare’s largest provider network in Tennessee.