Skip to Main Content
Farm Bureau Health Plans

Core Choice

For families and individuals who want health, dental, and vision benefits all in one plan.

The Core Choice plan offers affordable health, dental, and vision benefits for families or individuals in one convenient plan. Gain peace of mind with a Core Choice plan from Farm Bureau Health Plans.

Farm Bureau Health Plans uses UnitedHealthcare Choice Plus 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.

Ready to enroll?

Core Choice Individual Plan Overview

Deductible
Option 1

$1,500

Option 2

$3,000

Out-of-Pocket Max
Option 1

$7,500

Option 2

$15,000

Lifetime Benefit Max

Unlimited

Core Choice Family Plan Overview

Deductible
Option 1

$1,500

Option 2

$3,000

Out-of-Pocket Max
Option 1

$15,000

Option 2

$25,000

Lifetime Benefit Max

Unlimited

CALENDAR YEAR DEDUCTIBLE
In-Network/Out-Of-Network-Calendar Year Deductible (CYD)
Option 1

(Unless otherwise indicated, all benefits are subject to CYD)

$1,500 per member

(Per member, per calendar year)

Option 2

(Unless otherwise indicated, all benefits are subject to CYD)

$3,000 per member

(Per member, per calendar year)

IN-NETWORK OUT-OF-POCKET MAXIMUM (OOP)
Individual Coverage
Family Coverage
Option 1: $1,500

(Once the OOP maximum is met, benefits are provided at 100% for a member for the remainder of the calendar year. This applies to in-network provider services only. Copayments do not apply to OOP and must still be paid after OOP is met)

$7,500
$15,000
Option 2: $3,000

(Once the OOP maximum is met, benefits are provided at 100% for a member for the remainder of the calendar year. This applies to in-network provider services only. Copayments do not apply to OOP and must still be paid after OOP is met)

$15,000
$25,000
OUT-OF-NETWORK OUT-OF-POCKET MAXIMUM(OOP)
Individual Coverage
Family Coverage
Option 1: $1,500
Unlimited
Unlimited
Option 2: $3,000
Unlimited
Unlimited
LIFETIME BENEFIT MAXIMUM
In-Network
Out-Of-Network
Option 1
Unlimited
Unlimited
Option 2
Unlimited
Unlimited
OFFICE VISIT
In-Network
Out-Of-Network
For $1,500

(Not subject to CYD)

$25 copyament* per visit
CYD/Coinsurance
For $3,000

(Not subject to CYD)

$35 copyament* per visit
CYD/Coinsurance
COINSURANCE
In-Network
Out-Of-Network
Covered preventative services

(Based on the maximum allowable charge)

Plan pays 100%
Other covered services

(Based on the maximum allowable charge)

Plan pays 80%, you pay 20%
Covered preventative or all other covered services

(Based on the maximum allowable charge)

Plan pays 60%, you pay 40%
EMERGENCY ROOM

Not resulting in admission

You pay $75 deductible per visit

(in addition to CYD)

You pay $75 deductible per visit

(in addition to CYD)

Teladoc

See Teladoc page for additional details.

No charge
No coverage
Teladoc Expert Medical Services (EMS)

See Teladoc Expert Medical Services (EMS) page for additional details.

No charge
No coverage
PREVENTATIVE CARE BENEFITS
In-Network (Plan Pays)
Out-Of-Network (Plan Pays)
NO WAITING PERIOD
Preventative health exam
100%
60%
Annual well woman exam

Annual well woman exam2

100%
60%
Routine colonoscopy

Colorectal cancer screening...3

100%
60%
Annual routine PSA

Prostate cancer screening4

100%
60%
Routine physical exam
100%
60%
PRESCRIPTION DRUG COVERAGE

$7,500 calendar year maximum per member

  • Generic | Farm Bureau Health Plans will reimburse 100% of the maximum allowable charge after CYD.
  • Brand Name | Farm Bureau Health Plans will reimburse 75% of the maximum allowable charge after CYD.
  • Broad Formulary. 
  • Specialty drugs provided through Optum Specialty Pharmacy.
  • Home delivery service is also available.
DENTAL

Routine dental services, including two exams, x-rays and fillings per calendar year

  • All members subject to a six-month waiting period
  • There is a copayment per visit and a $500 calendar year maximum per member per calendar year
  • Pediatric Only – Two routine oral health risk assessments and one topical fluoride application are covered at 100% per calendar year
  • Included dental benefits utilize UnitedHealthcare's National Options PPO 30 Network.
VISION

Pediatric Only - Routine vision benefits including eye exams, eyeglasses and contact lenses

  • Eye exams are covered at 100% once every calendar year, no dollar limit
  • Eyeglass frames, eyeglass lenses or contact lenses are covered once every calendar year with a $100 limit per member

Members Age 19 and Above - Routine vision benefits including eye exams, eyeglasses and contact lenses

  • Subject to a six month waiting period
  • Eye exams are covered once every calendar year with a $40 limit per member
  • Eyeglasses or contact lenses are covered once every calendar year with a limit of $100 per member
FOOTNOTES
  1. Preventative health exam for adults and children and related services as outlined below and performed by the physician during the preventative health exam or referred by the physician as appropriate, including:
  1. Annual well woman exam
    • Routine well woman preventative exam office visit includes:
      • Cervical cancer screening
      • Screening mammography at age 40 and older, with one baseline mammogram between the ages of 35 and 39
      • Other USPSTF screenings with an A or B rating
      • Pap smears
      • Bone density measurement screening
  1. Colorectal cancer screening for members age 50 and older
  1. Prostate cancer screening for men age 50 and older

Maternity Benefits will be provided after a member’s coverage on a family contract has been in effect for nine consecutive months. Individual coverage has NO maternity benefits except for complications of pregnancy.

Benefits will not be provided for any pre-existing condition until a member has completed a waiting period of at least six months for all contracts and nine months for maternity on family contracts. 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.” The pre-existing condition waiting period will not apply to members under the age of 19 enrolled as dependents in a family coverage.

Additional waiting periods may apply as indicated in the contract.

*A copayment will be applied to each office visit for the covered services performed in the office and provided and billed by a physician who is an in-network provider. The remaining charges for covered services rendered during the office visit will be paid at 100% of the maximum allowable charge. If a physician who is an out-of-network provider is utilized for covered services, benefits will be determined on the basis of the out-of-network coinsurance percentage after deductible is met.

Copayments do not apply to the following services: advanced radiological imaging, allergy testing and injections, biopsy interpretation, bone density testing, cardiac diagnostic testing, chemotherapy services, chiropractic services, dental services except preventative and restorative for all members, diagnostic services sent out, durable medical equipment, growth hormone injections, IV therapy, Lupron injections, mammography, maternity services, nerve conduction studies, neuropsychological or neurological tests, nuclear cardiology, nuclear medicine, orthotics, preventative services as indicated in contract, prosthetics, provider administered specialty pharmacy products, sleep studies, surgery performed in a physician’s office and related surgical supplies, Synagis injections, therapeutic/rehabilitative services, ultrasounds and vision services.

These services are subject to the terms and conditions of the contract and deductibles and coinsurance will apply except where otherwise indicated. Copayments will not be applied toward deductibles or out-of-pocket maximums.

Provider Network

Farm Bureau Health Plans utilizes the UHC Choice Plus Network which is UnitedHealthcare's largest provider network in Tennessee.

Schedule of Benefits

This schedule is intended to help you compare coverage benefits and is a summary only.

Enroll today!

Make the right choice for your health; choose Farm Bureau Health Plans.

Looking for a different plan? No problem!

Visit a Farm Bureau Office

There are 195+ offices throughout Tennessee, so stop by and see us.

For More Information, call

1-877-874-8323