If you are currently on Long Term Disability (LTD) and enrolled in medical plan coverage, you will be required to elect on of the new Consumer-Driven Health Plans (CDHPs) options.

Election Required

You can make your 2018 elections September 18 - October 31. If you are currently enrolled in a medical plan and do not make an election, you will be defaulted to Consumer Choice 2 at your current coverage tier.

New Features for 2018

CDHPs feature lower premiums in exchange for higher deductibles, which means you can save more money over time for current and future health needs. In the case of Farm Credit Foundations Medical Plan, the two new CDHPs will be paired with a Health Savings Account (HSA) that you can use to help cover out-of-pocket costs.

Summary Letter

A letter will be mailed to all LTD participants in July with more information about the new plans for 2018, the cost of the plans and an overview of the enrollment process.

In-Network Coverage

Consumer Choice 1

Consumer Choice 2

Deductible (individual/family)




You pay 20%,
plan pays 80%

No coinsurance, plan covers 100% after the deductible is met

Out-of-Pocket Maximum (individual/family)



Prescription Drugs

Subject to medical deductible

Subject to medical deductible

Preventive Care

You pay $0

You pay $0

​​Watch a video to learn 7 Ways to Save on Prescription Drugs

Estimate your drug costs for 2018 using the Prescription Cost Estimator Tool

Find more helpful tools in the Resource Library