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Farm Bureau Health Plans

Enhanced Choice

Perfect for individuals who want it all; get health, dental, and vision benefits in one plan.

The Enhanced Choice plan requires minimal underwriting and eliminates the need for medical records.

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.

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Enhanced Choice Plan Overview

Deductible
Option 1

$3,000

Option 2

$6,000

Out-of-Pocket Max
Option 1

$12,000

Option 2

$24,000

Lifetime Benefit Max
Option 1

Unlimited

Option 2

Unlimited

Calendar Year Deductible
Calendar Year Deductible (CYD)

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

Out-Of-Pocket Maximum (OOP)

(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)

Lifetime Benefit Maximum
Option 1
$3,000
$12,000 In Network

Unlimited Out of Network

Unlimited
Option 2
$6,000
$24,000 In Network

Unlimited Out of Network

Unlimited
Office Visit
In-Network
Out-of-Network
Office Visit

(Not subject to CYD or OOP)

$40 co-payment per visit
CYD/Coinsurance
Coinsurance
In-Network
Out-of-Network
For eligible services based on the max allowable charge is 20%
Plan pays 80%, you pay 20%
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
100%
60%
Routine colonoscopy
100%
60%
Annual routine PSA
100%
60%
Routine physical exam
100%
60%
Prescription Drug Coverage
Unlimited calendar year maximum

In-Network | Farm Bureau Health Plans will reimburse 80% of the maximum allowable charge after CYD.

Home delivery service is also available

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

Pediatric Only

  • Services are subject to CYD and coinsurance; quantity and visit limits.
  • No calendar year dollar maximum
  • Limited orthodontic care
  • Included dental benefits utilize UnitedHealthcare's National Options PPO 30 Network.

Members Age 19 and Older

Vision

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

  • Eye exams are covered at 100% once every calendar year
  • Eyeglass or contact lenses are covered once every calendar year subject to CYD and coinsurance
  • Eyeglass frames are covered once every calendar year subject to CYD and coinsurance

Members Age 19 and Above – Benefits are available for routine eye exams, eyeglass or contact lenses

  • Eye exams are covered once every calendar year with a limit of $40
  • Eyeglass or contact lenses are covered once every calendar year with a limit of $100
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
    • 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 available if not a pre-existing condition. If pregnant prior to effective date, six month pre-existing waiting period applies.

Benefits will not be provided for any pre-existing condition until a member has completed a waiting period of at least six months. 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.”

*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 (and pediatric only), 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/habilitative 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!

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For More Information, call

1-877-874-8323