Medical Plans

Help Me Choose

The new Guided Experience video will help you understand your benefits and enroll in the plan that best meets your needs. The “Help Me Choose” section guides you through a series of short questions about your medical and dental needs. After you answer the questions, you will see a recommendation of the medical and dental plan that’s right for you (and your family). 


Choose between two different medical plans that meet the needs of you and your family. The new HSA Advance feature in the Consumer Choice 1 plan provides HSA funds at the beginning of the calendar year.


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 (LPFSA) 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 HSA Advance

Consumer Choice 1

Consumer Choice 2

HSA Funding

$1,000 employee only
$2,000 family

Employee
election

Employee
election

Deductible

Employee only: $1,650
Family: $3,300

Employee only: $3,600
Family: $7,200

In-Network
Annual Out-of-Pocket Maximum

(includes deductible)

Employee only
$3,300

Family
$6,600

Employee only
$3,600

Family
$7,200

Out-of-Network
Annual Out-of-Pocket Maximum
(includes deductible)

Employee only
$6,600

Family
$13,200

Employee only
$7,200

Family
$14,400

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


You Pay 20%, plan pays 80%

No coninsurance, plan pays 100% after the deductible is met

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


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%

Preventive Care

You pay $0

Benefit Limits

Maximum Lifetime Benefit
(Unless noted)

Unlimited

Substance Abuse Treatment

Subject to Deductible and Coinsurance

Mental Illness

Subject to Deductible and Coinsurance

Chiropractic

Subject to Deductible and Coinsurance

Hearing Aids

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

Physical, Occupational
and Speech Therapy

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 ...