Farm Bureau Health Plan Benefits
Iowa Farm Bureau members now have access to a low-cost alternative for their health coverage needs. Benefits that are included with this affordable coverage include:
- FREE preventative care
- Covers 100% of Iowa hospitals
- $3 million lifetime benefit maximum
- Affordable copays for primary care physicians and specialists
- Covers 97% of Iowa physicians
- Prescription drug coverage at 65,000 pharmacies
- Emergency room coverage
- Virtual doctors’ visits
- And more!
| Benefit Options | 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% |
| Designated Primary Care Provider (PCP) | $30 copay | $70 copay | Deductible applies |
| Other PCP | $35 copay | $75 copay | Deductible applies |
| Non-PCP | $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 detailed description of the plans, please review the Outline of Coverage