If you already know what coverage you need, and you’re ready to sign-up for affordable and quality coverage, we’re ready to help.
Short Term Care
About the Plan
Short Term coverage helps you bridge the gap until you have more permanent health care coverage. It is ideal for people between jobs, recent graduates and those no longer covered as a dependent under a parent’s health plan.
Kansas Farm Bureau Health Plans uses UnitedHealthcare ChoicePlus Network. Please keep in mind that in-network payments are based on negotiated fees. If an out-of-network provider is used, the member’s liability will increase significantly.
Resources
| In-Network | Out-of-Network | |
|---|---|---|
|
BENEFIT PERIOD DEDUCTIBLE (BPD)1 |
$1,000 per member (up to a maximum of $3,000 for family coverage). |
|
|
OUT-OF-POCKET MAXIMUM2 (OOP) |
$5,000 individual $12,500 family |
Unlimited |
|
BENEFIT PERIOD MAXIMUM |
$250,000 per member |
|
| In-Network | Out-of-Network | |
|---|---|---|
|
COINSURANCE |
Plan pays: 80% Your responsibility: 20% |
Plan pays: 60% Your responsibility: 40% |
|
TELADOC |
$0 copayment per visit |
Not covered. |
| PRESCRIPTION DRUG COVERAGE Generic and brand name prescriptions. |
Plan pays: 80% Your responsibility: 20% |
Plan pays: 60% Your responsibility: 40% |
FOOTNOTES
1 Deductible per member per benefit period. Benefit periods are 90 days and 180 days
2 When the applicable out-of-pocket maximum for in-network provider services is reached, 100% of the maximum allowable charge is payable for other covered services received from an in-network provider during the remainder of the benefit period.
Short-term plans are not continuous plans. Benefits will not be provided for any pre-existing condition. Issues arising during a short-term plan will be considered a pre-existing condition on future plans. A pre-existing condition is defined in the contract as, “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.”