Farm Bureau Health Insurance Plans Explained

Farm Bureau Health Insurance is a trusted choice for many Americans, especially in rural communities. Known for its personalized service and affordable coverage options, Farm Bureau offers health plans designed to meet the unique needs of farmers, small business owners, and families in underserved areas.

If you’ve ever wondered what Farm Bureau health insurance plans cover, how much they cost, or whether they’re right for you, this guide breaks it all down.

What Is Farm Bureau Health Insurance?

Farm Bureau is a membership-based organization with chapters in most U.S. states (best known for helping farmers). It also offers insurance products, like health insurance plans, through partnerships with licensed companies.

Farm Bureau does not offer health insurance nationwide; states vary in coverage availability and plan details. Many companies market plans as affordable alternatives to ACA marketplace insurance.

Types of Farm Bureau Health Insurance Plans

Farm Bureau offers several plan types, depending on your state and local chapter:

1. Individual and Family Health Plans

Designed for those who are self-employed, farmers, or not covered by employer-sponsored insurance.

• Coverage options: Preventive care, hospital visits, doctor appointments, prescription drugs.

• Flexibility: Choose from low- or high-deductible plans.

• More details: Farm Bureau Health Plans – Individual Coverage

2. Short-Term Health Insurance

Short-term coverage is an option for those in transition, such as between jobs or outside open enrollment periods.

• Duration: Typically 1–12 months (varies by state).

• Lower premiums: Often cheaper than full ACA-compliant plans.

• Limitations: May not cover pre-existing conditions.

3. Medicare Supplement Plans

Farm Bureau offers Medigap policies for Medicare-eligible members.

• Purpose: Helps pay costs not covered by Medicare Part A and B.

• Benefits: Lower out-of-pocket expenses, freedom to choose doctors who accept Medicare.

• Learn more: Medicare.gov – Medigap Basics

4. Group Health Plans

For small business owners and farm co-ops looking to insure employees.

• Customizable coverage for teams.

• May offer dental, vision, and wellness add-ons.

Pros and Cons of Farm Bureau Health Insurance

✅ Advantages

• Tailored for rural and agricultural communities

• Often more affordable than ACA marketplace plans

• Local, personalized customer service

• Options for both individuals and small businesses

❌ Potential Drawbacks

• Availability limited to certain states

• Some plans not ACA-compliant (may lack essential health benefits)

• Short-term plans often exclude pre-existing conditions

Costs and Pricing

Pricing for Farm Bureau health insurance plans varies widely by:

• State

• Coverage level

• Age and health status

• Type of plan selected

To get accurate quotes, contact your local Farm Bureau office. You can also use their online quote tool: Farm Bureau Health Plans – Get a Quote.

Is Farm Bureau Health Insurance Right for You?

Farm Bureau health insurance may be ideal if:

• You live in a rural area with limited coverage options.

• You’re self-employed or own a small business.

• You want affordable, flexible health coverage and value local support.

You should compare the benefits and costs of different plans on HealthCare.gov. This will help you find the right balance of coverage and affordability.

How to Apply for Farm Bureau Health Insurance

1. Check eligibility in your state — visit your state’s Farm Bureau website.

2. Become a Farm Bureau member — you need membership to access plans.

3. Get a quote — contact a local agent or use online tools.

4. Review coverage details carefully — especially exclusions and deductibles.

State-specific info:

• Tennessee Farm Bureau Health Plans

• Iowa Farm Bureau Health Plans

• Kansas Farm Bureau Health Plans

Final Thoughts

Farm Bureau health insurance is a good choice for many rural Americans. It offers personal service, competitive prices, and flexible plans.

It may not be available everywhere. However, it is one of the most trusted regional insurance options in the country. Some plans may not meet ACA standards.

If you are thinking about a plan, compare coverage, benefits, and costs. This will help you make the best choice for your health and budget.

Related Topics