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Health Plans

Health Plans

Farm Bureau Health Benefit Plan offers Iowa Farm Bureau members three different plan options. These plans are designed to provide comprehensive health benefits coverage. They will appeal to people who purchase their own plan because they are not covered under a group plan and don’t qualify for subsidies (tax credits) offered through the Marketplace to purchase Affordable Care Act (ACA) compliant health insurance. All three health plans use Wellmark Blue HMO Network and the Wellmark Blue RX Value formulary for prescription drugs – offering access to 97% of the physicians and 100% of the hospitals across the state of Iowa, and any of the more than 65,000 participating pharmacies nationwide. 

Plan overview*

This is a high-level overview of the available plans. For a printable version of this overview, click here. For a detailed description of the plans, please review the Outline of Coverage.

PLAN NAME IOWA CHOICE 3500 IOWA CHOICE 6000 IOWA CHOICE 6650 HIGH DEDUCTIBLE HEALTH PLAN

Preventive care

FREE

FREE

FREE

Annual benefit: Deductible

Single: $3,500

Family: $7,000

Single: $6,000

Family: $12,000

Single: $6,650

Family: $13,300

Annual benefit: Out-of-pocket maximum

Single: $7,500

Family: $15,000

Single: $10,000

Family: $20,000

Single: $6,650

Family: $13,300

Lifetime benefit maximum

$3,000,000

$3,000,000

$3,000,000

Coinsurance

20%

30%

0%

Office services: Out-of-network

Not covered except for emergency and accidental injury only

Not covered except for emergency and accidental injury only

Not covered except for emergency and accidental injury only

Primary Care Provider  (PCP) office visit

$35 copay

$75 copay

Deductible applies

Specialist (Non-PCP) office visit

$75 copay

$150 copay

Deductible applies

Emergency room

$400 copay

$600 copay

Deductible applies

All other services

Deductible applies

Deductible applies

Deductible applies

Prescription drug benefits

Generics (Tier 1):  $15 copay

Preferred brand (Tier 2): $40 copay

Preferred specialty: $300 copay.

Generics (Tier 1):  $15 copay

Preferred brand (Tier 2): $40 copay

Preferred specialty: $300 copay.

Medical deductible applies

After deductible, plan pays 100% of covered drugs.

* This coverage is not required to comply with certain federal or state market requirements for health insurance, including the Affordable Care Act (ACA) and is not considered “minimum essential coverage” under the ACA. This is a general description of plans. It is not a statement of contract. Actual coverage is contained in the terms and conditions specified in the benefits certificate itself and enrollment rules in force when the benefits certificate becomes effective. In the event of any discrepancy between this summary outline of coverage and the coverage manual, the terms of the coverage manual control.