What has your experience with FBN health insurance been?

Question

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.

Answer

The representatives are knowledgeable and claims are handled as efficiently as possible. However, if issues arise, please reach out to your broker for their help. Regarding pre-existing conditions, as long as you disclose any past injuries or illnesses on your application, they should be covered. If you have further questions, they would welcome a conversation, their phone number is (877)892-3303.

Answer

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

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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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Answer

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 forward to.  Not only did they no quote me, they had no interest in discussing why.

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

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I just signed up my family. It was a pleasant experience with very knowledgeable representatives. My family was facing a BCBS plan of $2900/month. We signed up with FBN health for $1100/month which included vision and dental which BCBS did not have included.

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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 need it, they figure out a way to get out of paying. Not a good experience for us.

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I could not recommend them.  Paid the whole policy up front.  Continued to get bills.  Was dropped once, reinstated, and had a small claim which they did not pay until  the fight.  It was a complete night mare. I think they had some sort of court battle the year I was in it.

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

Answer

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

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We were declined coverage due to preexisting condition.

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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 selected was very similar in coverage to our old one but the savings were considerable.
It was definitely worth the switch.

Answer

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 thought. The coverage is cheap for a reason. My dad and I were in a bad car accident in December with many medical bills. FBN health is denying coverage since the accident was caused by a third party. The third party didn't have car insurance so we are stuck paying everything out of pocket and collecting our limited uninsured motorist insurance through our car insurance. According to our lawyer a health insurer from SD would still make us use our car insurance but then must pay anything over and above, not the case with FBN health. Before getting this insurance make sure they give you the ultra fine print of the contract, they didnt for us until we had this issue. The other part of the contract is that if you have an issue with them you have to go to Kansas to sue them or else you can't. You buy health insurance to protect your farm from unforeseen issues and accidents, now an issue we thought would be covered is jeopardizing our entire operation. Needless to say, we will be switching as soon as possible because FBN health policies aren't worth the paper they are written on.

Call (844) 200-FARM

What has your experience with FBN health insurance been?

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