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Farm Bureau Agents Know Health Insurance
Medical insurance can be complicated. Finding the right coverage shouldn't be. Whether you are searching for a policy for yourself, your family, or your business, your local Farm Bureau agent is here to help. Farm Bureau agents know health insurance. They can make getting quality coverage easy to understand and easy to buy.
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Don't Go It Alone.
The open enrollment period for 2018 individual plans is November 1, 2017 – December 15, 2017. I can help you understand your options and make the right choice for you and your family. For a purchase of such importance, isn’t it best to work with a neighbor who cares about their community and wants to get you the right coverage?
Health Coverage You Can Feel Good About
With a variety of options to choose from, your Farm Bureau agent will help you determine the health insurance coverage that best fits your needs and budget.
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Individual Health Insurance
You can choose plans based on your specific needs. All plans cover the same set of essential health benefits, but vary in their cost-sharing elements – deductible, copay and coinsurance. Your monthly premium will be based on several factors, including:
- Your age
- Whether you use tobacco
- Where you live
- Who's enrolled in the plan (spouse or child)
- Provider network
- Benefit plan you choose
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Group Health Insurance
Whether your business is small or large, we can help you offer health insurance to your employees. I can explain the group health insurance plans available in your state.
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Medicare Supplement and Medicare Part D plans
If you’re over age 65 and have Medicare, we offer plans to help fill the gaps in your insurance coverage, including Medicare Prescription Drug (Part D) plans.
Health insurance policies vary by carrier and individual and may not be offered through all agents or available in all states. Health insurance is underwritten by a variety of insurance companies not affiliated with our companies.
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Deductible
The dollar amount a policyholder pays in out-of-pocket expenses before the insurance company begins to cover costs for medical services.
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Lifetime benefit maximum/limit
Dollar limits that cap the amount of lifetime benefits a policyholder can receive. The Affordable Care Act prohibits lifetime benefit maximums on essential health benefits.
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Open enrollment period
A period of time each year when you can purchase or change health coverage for individuals under 65. The 2018 federal open enrollment period is scheduled for November 1, 2017, through December 15, 2017.
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Out-of-pocket costs
Health care costs a policyholder pays that are not reimbursed by the insurance company. These can include deductibles, co-payments and coinsurance. Premiums are not considered an out-of-pocket expense.
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Out-of-pocket maximum
The total amount of cost share you'll pay for certain covered services each year. After you have paid this amount out of pocket, the plan will cover any additional costs in full.
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Premium
The monthly cost paid to an insurance company or a health plan for a health insurance policy.
