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

Provider network 

Schedule of Benefits 

  In-Network Out-of-Network

BENEFIT PERIOD DEDUCTIBLE (BPD)1
Unless otherwise indicated, all benefits are subject to BPD.

$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
Based on the maximum allowable charge.

Plan pays: 80%

Your responsibility: 20%

Plan pays: 60%

Your responsibility: 40%

TELADOC

$0 copayment per visit

Not covered.

PRESCRIPTION DRUG COVERAGE

Unlimited calendar year maximum per member. Generic and Brand Prescriptions: Kansas Farm Bureau Health Plans will reimburse 80% of the maximum allowable charge, after deductible, when purchased at an in-network pharmacy. Home delivery service is available.

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.

Benefits will not be provided for any pre-existing condition. 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.”