Verified FBN Member (IL)

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What has your experience with FBN health insurance been?

My family is looking to move to FBN health insurance from a provider we have had for over 20 years. We are concerned about the following:

1. Are there representatives knowledgeable and helpful if you have a claim?

2. If we would have an illness or accident shortly after the change will they pay or will they claim pre-existing condition.

3. Disclosed past injury in application from years past has unforeseen new complication will insurance claim pre-existing condition and not pay.

In general has anyone experienced medical issues shortly after changing policy and had trouble with coverage or claims representative assistance.

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Verified FBN Member

The representatives are knowledgeable and claims are handled as efficiently as possible. However, if issues arise, please reach out to your ...

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1

Verified FBN Member (NE)

They told me depending on the preexisting condition, they may decline you coverage. They are not required to take these people like other po...

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Verified FBN Member (OH)

We have had 2 families on it for about 10 months. They have had several minor claims that were handled with no problems. The plan we selecte...

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3

Verified FBN Member (MN)

How long til they will have coverage in MN? That's what I'm wondering

3

Verified FBN Member (MN)

They were supposed to be able to quote it at farmer to farmer but still waiting for the state. Call your state representative ?

Verified FBN Member (NE)

We have had a VERY good experience and saved over $35k in premiums for our farming operation! Real dollars!

2

Verified FBN Member (CO)

Prices don’t compete with what my state has to offer.

Verified FBN Member (NE)

We were declined coverage due to preexisting condition.

2

Verified FBN Member (IA)

I’ve been using for about 10 months seems to work ok. Just have had normal kid sickness so nothing major. Doctor office complained a littl...

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Verified FBN Member (SD)

Who is the company the under wrights the insurance for FBN?

3

Verified FBN Member (NE)

I've been told that Midlands Choice under wrights the policies.

Verified FBN Member (IL)

It is actually ****** out of Wichita, KS. A very reputable mid-size TPA. They do the underwriting and have reinsurers behind them...pretty s...

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Verified FBN Member (NE)

I just signed up my family. It was a pleasant experience with very knowledgeable representatives. My family was facing a BCBS plan of $2900/...

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1

Verified FBN Member (SD)

Our operation switched to fbn health last March. Our premiums went from $2400 a month to $1100 per month for the same coverage, or so we tho...

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5

Verified FBN Member (TX)

I was extremely disappointed that they declined to quote my family and I this year...was one benefit of membership that I very much looked f...

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Verified FBN Member (IL)

Don"t do it. We had the same experience as ***** in SD. You get what you pay for. Cheap insurance is cheap for a reason. When you really nee...

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1

Verified FBN Member (TX)

I could not recommend them. Paid the whole policy up front. Continued to get bills. Was dropped once, reinstated, and had a small claim w...

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1

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