Medical Plans

 

Determine Which Plan is Best for You

Use the Plan Comparison Tool to determine which medical plan offered by Farm Credit Foundations fits best for you and your family.


Choose between two different medical options for you and your family:

About the Plans

  • Employees enrolled in a CDHP are eligible for an HSA that offers triple tax savings
  • In addition you will have access to a:
    • Limited Purpose Health Care Flexible Spending Account (FSA) available for dental and vision expenses
    • Dependent Care FSA
  • If you are on Medicare, IRS rules state you cannot contribute to an HSA


Consumer Choice 1 and Consumer Choice 2 are administered by Blue Cross Blue Shield of Illinois.



Prescription Drug Coverage

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. Learn more ...


Highlights of PPO Medical Plans

 

Consumer Choice 1

Consumer Choice 2

Pre-Existing Condition Exclusion

None

None

Out-of-Pocket Expenses

In-Network

Out-of-Network

In-Network

Out-of-Network

Deductible

Employee only: $1,550
Family: $3,100

Employee only: $3,500
Family: $7,000

Annual Out-of-Pocket Maximum
(Includes deductible)

Employee only
$3,100

Family
$6,200

Employee only
$6,200

Family
$12,400

Employee only
$3,500

Family
$7,000

Employee only
$7,000

Family
$ 14,000

Benefits

In-Network

Out-of-Network

In-Network

Out-of-Network

Coinsurance Paid After Deductible
(Applies to all professional services except those noted below.)

You Pay 20%

You Pay 40%

Plan Pays 100%

You Pay 40%

Office Visit Copays
(Copays do not apply to deductible or out-of-pocket maximum)

Subject to Deductible and Coinsurance

Subject to Deductible
and Coinsurance

Lab Work/ Professional Services

Subject to Deductible
and Coinsurance

Subject to Deductible
and Coinsurance, then
Plan Pays 100%

Emergency Room Visit Copayment

Subject to Deductible
and Coinsurance

Subject to Deductible
and Coinsurance, then
Plan Pays 100%

Wellness Benefit

100% of In-Network
Eligible Charges

100% of In-Network
Eligible Charges

Benefit Limits

Maximum Lifetime Benefit
(Unless noted)

Unlimited

Unlimited

Substance Abuse Treatment

Subject to Deductible
and Coinsurance

Subject to Deductible
and Coinsurance

Mental Illness

Subject to Deductible
and Coinsurance

Subject to Deductible
and Coinsurance

Chiropractic

Subject to Deductible
and Coinsurance

Subject to Deductible
and Coinsurance

Hearing Aids

Up to $1,500 After the Deductible is Met Every 3 Years Per Person Covered

Up to $1,500 After the Deductible is Met Every 3 Years Per Person Covered

Temporomandibular Joint Dysfunction and Related Disorders

Subject to Deductible
and Coinsurance

Subject to Deductible
and Coinsurance

Physical, Occupational
and Speech Therapy

Subject to Deductible
and Coinsurance

Subject to Deductible
and Coinsurance



 More Information

 

Wellness Benefits

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 ...