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.
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...More
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...More
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...More
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...More
I just signed up my family. It was a pleasant experience with very knowledgeable representatives. My family was facing a BCBS plan of $2900/...More
Who is the company the under wrights the insurance for FBN?
It is actually ****** out of Wichita, KS. A very reputable mid-size TPA. They do the underwriting and have reinsurers behind them...pretty s...More
I've been told that Midlands Choice under wrights the policies.
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...More
We were declined coverage due to preexisting condition.
Prices don’t compete with what my state has to offer.
We have had a VERY good experience and saved over $35k in premiums for our farming operation! Real dollars!
How long til they will have coverage in MN? That's what I'm wondering
They were supposed to be able to quote it at farmer to farmer but still waiting for the state. Call your state representative ?
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...More
The representatives are knowledgeable and claims are handled as efficiently as possible. However, if issues arise, please reach out to your ...More
They told me depending on the preexisting condition, they may decline you coverage. They are not required to take these people like other po...More