Plan Overview An overview of available plans for the Iowa Farm Bureau Health Benefit Plan

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Plan Overview*

Below is a high-level overview of the 3 coverage options* available through the Farm Bureau Health Plan. For more information – or contact an agent to see how much you could save over your current premiums – click here.

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IOWA CHOICE 3500 IOWA CHOICE 6000 IOWA CHOICE 6650 HIGH DEDUCTIBLE HEALTH PLAN
Preventive care FREE FREE FREE
Annual benefit: Deductible (Single/Family) $3,500 / $7,000 $6,000 / $12,000 $6,650 / $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%
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
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.

For a printable version of this overview, click here.

For a detailed description of the plans, please review the Outline of Coverage.

* Plans underwritten by Farm Bureau Health Benefit Plan, LLC. 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.

Plans underwritten by Farm Bureau Health Benefit Plan, LLC. 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.