What is Ohio Farm Bureau Health Care Solutions?
Ohio Farm Bureau Health Care Solutions offers two products:
What health plans are being offered?
There are four health plans available, along with dental and vision options. These plans are medically underwritten and are not traditional insurance. These plans include specific plans for individuals only and others that are Health Savings Account qualified.
Plans include:
Are Dental and Vision plans included?
The Classic Choice plan includes embedded dental and vision options. Delta Dental and VSP are available as additional offerings.
Can Dental and Vision be purchased separately from each other?
No. Dental and Vision plans are a bundled package and must be purchased together.
At what age do dependents lose coverage?
Dependent coverage lasts until the age of 26. (/span>
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How can I find out if my provider is in-network?
You can check the United Healthcare website or the UMR link provided on the Ohio Farm Bureau Health Plans website. Search for UnitedHealthcare Choice Plus.
Are out-of-network services covered?
Yes, out-of-network services are covered through a nationwide network.
How can I apply for Ohio Farm Bureau Health Plans?
What is the underwriting process like?
Underwriting involves answering medical history questions, and medical records may be required for applicants over 40 or with dependents under 25 months. The process typically takes 3-5 days for those who submit a clean application.
What is a pre-existing condition?
“An illness, injury, pregnancy or any other medical condition which existed at any time preceding the effective date of coverage under this contract for which: Medical advice or treatment was recommended by or received from a provider of health care services, or symptoms existed which would cause an ordinarily prudent person to seek diagnosis, care or treatment.”
What are the pre-existing conditions waiting periods?
There is a six-month waiting period for coverage of pre-existing conditions with Advance Choice and Classic Choice plans and a 12-month waiting period with Major Medical and High Deductible Health Plan.
Does the plan cover maternity care?
Yes. Maternity benefits will be provided after an individual’s coverage on a family contract has been in effect for nine consecutive months.
Is there a lifetime limit on benefits?
No, there is no lifetime limit on benefits.
Can I apply for multiple plans?
You can receive quotes for multiple plans, but the final application must be for one plan at a time.
What happens if I want to change my plan?
As long as you stay in your current plan, you do not need to go through underwriting again. However, changing to a different plan typically requires going through the underwriting process again.
Do these plans meet minimum essential coverage standards?
No, they do not meet the minimal essential standards because we are considered health care, not health insurance. The difference being that the plans are underwritten. Because they are underwritten and the fact that they are only available for Ohio Farm Bureau members, it does not qualify as essential care. There is no longer a federal penalty for individuals who don’t have minimum essential coverage, as the individual mandate penalty was eliminated in 2019.
How are plan premiums determined?
Premiums are reviewed annually, and any increases are based on claims history in Ohio. Any plan premium increases are reviewed annually by actuaries, and there is no required percentage increase. Ohio is evaluated individually, not combined with other states.
Who submits claims for reimbursement?
Providers will submit claims for reimbursement, similar to traditional health insurance practices.
What is the cost of the plans?
Plans are generally 30-40% cheaper than ACA plans. Final premiums are determined based on medical history.
Who can become an Ohio Farm Bureau member?
Anyone who supports the mission of “Working for Ohio farmers to advance agriculture and strengthen our communities” can become an Ohio Farm Bureau member. You do not need to own land or livestock to qualify.
Does my Farm Bureau membership cover my spouse?
Yes. Only one membership per household is required for coverage. This also covers dependents up to 18 years old. Young Active Membership is $40 per year for individuals 18-24 years old. Anyone 25 or older will pay standard dues.
Where can I find more information?
Visit OhioFarmBureauHealthPlans.org for detailed information on plans, comparisons, and agent listings.
Who can I contact for further questions?
You can use this contact form or contact Ohio Farm Bureau Director of Health Services Trevor Kirkpatrick for any inquiries: [email protected]