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Defined Benefit Plans
Determine Which Plan is Best for You
Plan Comparison Tool to determine which medical plan offered by Farm Credit Foundations fits best for you and your family.
Consumer Choice 1 and Consumer Choice 2 are administered by Blue Cross Blue Shield of Illinois.
Farm Credit Foundations prescription drug coverage is administered by CVS Caremark. The cost of your medication will vary, depending on your medical plan election and the category of medication prescribed.
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Consumer Choice 1
Consumer Choice 2
Pre-Existing Condition Exclusion
Employee only: $1,550Family: $3,100
Employee only: $3,500Family: $7,000
Annual Out-of-Pocket Maximum (Includes deductible)
Employee only $3,100Family $6,200
Employee only $6,200Family $12,400
Employee only $3,500Family $7,000
Employee only $7,000Family$ 14,000
Coinsurance Paid After Deductible (Applies to all professional services except those noted below.)
You Pay 20%
You Pay 40%
Plan Pays 100%
Office Visit Copays (Copays do not apply to deductible or out-of-pocket maximum)
Subject to Deductible and Coinsurance
Subject to Deductible
Lab Work/ Professional Services
Subject to Deductible and Coinsurance, then Plan Pays 100%
Emergency Room Visit Copayment
100% of In-Network Eligible Charges
Maximum Lifetime Benefit (Unless noted)
Substance Abuse Treatment
Up to $1,500 After the Deductible is Met Every 3 Years Per Person Covered
Temporomandibular Joint Dysfunction and Related Disorders
Physical, Occupational and Speech Therapy
Both medical plan options include wellness benefits that pay 100% of in-network eligible charges for routine preventive care services for each covered person. Learn More ...