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Farm Bureau Health Plans

High Deductible Health Plan

Perfect for individuals or families who want to open a Health Savings Account (HSA).

We offer a range of High Deductible Health Plan (HDHP) choices for individuals or families in need of health coverage with an HSA option.

Our HDHPs meet all federal requirements necessary to open a Health Savings Account. Farm Bureau Health Plans utilizes the 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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High-Deductible Health Plan Overview

In-Network Deductible
Individual

$1,500 or $2,500

Family

$3,000 or $5,000

In-Network Out-of-Pocket Max
Individual

$3,000 or $3,750

Family

$6,000 or $7,500

Lifetime Benefit Max
Individual

Unlimited

Family

Unlimited

CALENDAR YEAR DEDUCTIBLE
In-Network
Out-of-Network
CALENDAR YEAR DEDUCTIBLE 01

(Unless otherwise indicated, all benefits are subject to the deductible)(In-network and out-of-network deductibles are separate and do not combine)

Option 1: Individual
$1,500
$1,500
Option 2: Individual
$2,500
$2,500
Option 1: Family
$3,000
$3,000
Option 2: Family
$5,000
$5,000
OUT OF POCKET MAXIMUM
In-Network
Out-Of-Network
Out of Pocket Maximum (OOP) 02
$3000
for $1,500 deductible
Unlimited
$3,750
for $2,500 deductible
Unlimited
$6,000
for $3,000 deductible
Unlimited
$7,500
for $5,000 deductible
Unlimited
LIFETIME BENEFIT MAXIMUM
In-Network
Out-Of-Network
Lifetime Benefit Maximum
Unlimited
Unlimited
FOOTNOTES
  1. Deductible per calendar year.
  1. 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.
COINSURANCE
In-Network (plan pays)
Out-Of-Network (plan pays)
Coinsurance
80% of eligible charges
60% of eligible charges
Teladoc

See Teladoc page for additional details.

$45 copayment until deductible is met.
No coverage
Teladoc and Expert Medical Services (EMS)

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

$45 copayment until deductible is met.
No coverage
PREVENTIVE CARE BENEFITS
In-Network (plan pays)
Out-Of-Network (plan pays)
Well Child Services 01
80%
Not Covered
Annual OB/GYN Exam 02
80%
Not Covered
Routine Colonoscopy 03
80%
60%
Annual Routine PSA 04
80%
60%
Annual Routine Pap Smear 05
80%
60%
Mammogram 06
80%
60%
PRESCRIPTION DRUG COVERAGE

Unlimited calendar year maximum per member

  • 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
FOOTNOTES
  1. Benefits are available, subject to deductible and coinsurance, for a member under the age of 7 (on plan deductibles $3,000 and $5,000) for physical examinations and appropriate immunizations/vaccinations when services are rendered by an in-network provider. Exams not used during the time periods below do not carry over to the next time period.
    • Physical Examination Guidelines
      • Under age 1: 4 exams from birth to the child's first birthday
      • Age 1: 2 exams from the child’s first birthday to the child’s second birthday
      • Age 2 - 6: 1 exam per year (determined by the child’s birthday)
  1. Benefits will be available for one routine OB/GYN exam per calendar year. Services must be rendered by an in-network physician’s office and billed by the in-network provider. Related pathology, including pap smear, which is provided as a part of the routine OB/GYN exam, will be covered when the services are rendered by an in-network physician’s office and billed by the in-network provider. Related pathology that the physician sends to an independent laboratory will be subject to deductible and coinsurance. No benefit is available for routine OB/GYN exams provided by an out-of-network provider.
  1. Benefits will be provided for 1 routine colonoscopy every 4 years for members age 50 and over when provided by an in-network or out-of-network provider, subject to the deductible and coinsurance.
  1. Benefits will be provided, subject to deductible and coinsurance, for 1 routine PSA per calendar year when services are rendered by an independent laboratory or other outpatient setting.
  1. Benefits will be provided for the interpretation of 1 routine pap smear per calendar year when services are rendered by an independent laboratory or other outpatient setting.
  1. Benefits will be provided, subject to deductible and coinsurance, for routine mammography screening provided such examinations are conducted upon the recommendation of the member’s physician. One baseline routine mammogram will be allowed for members between the ages of 35-39. One routine mammogram will be allowed annually for members age 40 and above.

Maternity Benefits will be available after a member’s coverage on a 2-person, 3-person or family contract has been in effect for nine consecutive months. Individual coverage has NO maternity benefits.

Benefits will not be provided for any pre-existing condition until a member has completed a waiting period of at least 12 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.” The pre-existing condition waiting period does not apply to members under the age of 19 covered on a Family plan.

Provider Network

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

Download Schedule of Benefits

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

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For More Information, call

1-877-874-8323