Farm Bureau health insurance and Life, Auto, Homeowners and Estate Planning are all among the many different lines of health and financial insurance products and services available for Farm Bureau member members. There is a cost involved with obtaining these policies but it is certainly well worth it.
When choosing Farm Bureau insurance one needs to take into account the deductibles, co-pays and other costs associated with the product. If you are self employed or have a family, you will need to determine if any of these plans will be beneficial for you. You should also keep in mind, if your employer provides medical insurance coverage, and if not, will you be able to afford a plan of your own that you can purchase through your employer.
The most important thing is to look at the benefits you are getting and how well you will be covered. There is no reason to spend money on something you will not use because the policy is not worth it.
Before getting a new policy there are some things you need to do such as getting a doctor’s note stating that you are healthy enough to take the risk. You should not be in poor health and having a doctor’s note can help protect your policy from being cancelled or delayed.
Farm Bureau Health Insurance does cover pre-existing conditions so make sure you have this covered. If you have diabetes, heart disease, high blood pressure or cancer then you need to make sure you discuss this with your current insurance provider. If you are in good health then they may provide a special plan for you.
Most Farm Bureau Health Insurance Plans provides dental coverage with dental discount plans and preventive care at no extra cost. If you do not get regular check-ups and regular dental check-ups then you need to discuss this with your doctor and consider an option for your policy.
Farmers who are self-employed may want to consider their employer provided coverage. They may be able to add additional protection by purchasing Health Savings Accounts or a retirement plan which allows them to purchase a lower premium than what is offered through the FBA program. This type of policy provides better medical insurance protection for those who work outside of the home.
If you purchase a plan through the FBA you can be assured that your Farm Bureau Health Insurance plan will not only be suitable for you but that you will be fully covered through Farm Bureau. If you already have a policy through a traditional insurance company, it is a great idea to contact them and ask what options you have that you have in place now and what options you have that you do not have.
A lot of individuals do not realize that their existing health care insurance plan has many different types of discounts that can be purchased on the same plan. Sometimes the amount of coverage offered is very similar to a Farm Bureau health insurance plan. In order to receive the maximum amount of discounts the same policy must be renewed with the same company.
Since the Farm Bureau program is an independent agency, they do not require you to renew your policy with them. If you currently have an independent insurance company, they may be able to offer you better rates because of the additional discounts that they have.
The Farm Bureau Health Insurance plan is also available to farmers that are not members of their cooperative. The prices for premiums will differ and if you are a member you pay a lower premium.
Another benefit you can obtain if you belong to the cooperative group is that the price for premium is significantly cheaper than what you would pay as a single farmer. If you are a member of the cooperative, you will get discounts for buying a Health Savings Account.