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.
These days, no one can afford to take the risk of being without protection against high health care costs—not even for a few days. A short term plan can keep you covered no matter your situation.
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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Short Term Coverage Overview
Deductible
Individual
$1,000
per benefit period
Family
$3,000 max (or $1,000 per member)
per benefit period
In-Network Out-of-Pocket Max
Individual
$5,000
per benefit period
Family
$12,500
per benefit period
Out-of-Network Out-of-Pocket Max
Individual
Unlimited
per benefit period
Family
Unlimited
per benefit period
Benefit Period Max
Individual
$250,000
Family
$250,000 per member
In-Network
Individual |
Family |
|
Benefit Period Deductible 01(Unless otherwise indicated, all benefits are subject to the deductible) |
$1,000 |
Up to a maximum of $3,000 per member |
Out of Pocket Maximum 02 |
$5,000 |
$12,500 |
Benefit Period Maximum |
$250,000 |
$250,000 per member |
Out-of-Network
Individual |
Family |
|
Benefit Period Deductible 01(Unless otherwise indicated, all benefits are subject to the deductible) |
$1,000 |
Up to a maximum of $3,000 per member |
Out of Pocket Maximum 02 |
Unlimited |
Unlimited |
Benefit Period Maximum |
$250,000 |
$250,000 per member |
FOOTNOTES
- Deductible per member per benefit period. Benefit periods range from 60 days, 90 days and 180 days.
- When 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.
Coinsurance
In-Network |
Out-of-Network |
|
Coinsurance |
Plan Pays 80% |
Plan Pays 60% |
TeladocSee Teladoc page for additional details. |
No charge |
No coverage |
Prescription Drug Coverage
|
|
|
|
|
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."
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.
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