Comprehensive Coverage
Plans include $0 preventive and telemedicine care along with care coordination and disease management for any chronic conditions.
Enhanced Ambulance Coverage
Ambulance rides can be expensive, but you shouldn’t have to worry about that in an emergency. Our plans cover air and land ambulance rides at 100%.
Nationwide Provider Networks
All of our plans are backed by a nationwide provider network so it is easy to find an in-network provider and hospital wherever you are.
Personal Service
Our team will work with you to make sure your plan is the best fit for your operation. After you enroll, we will make sure any claims questions you have are answered.
Affordable Plan Options
We offer multiple plan options to fit every budget. Our unique plans could cost you $0 out-of-pocket on surgeries, x-rays and imaging.
Medicare Supplement
Are you turning 65? If you are looking for an affordable, guarantee issue option to supplement traditional Medicare, we’re here to help.
FBN Health Coverage Options
Coverage Options for 1-4 Employees
Getting coverage for very small groups can be challenging. FBN Health is excited to offer four affordable plan options for groups with only one employee.
Classic 1500
Deductible Amount
$1,500 Single
$3,000 Family
Preventative Care
100% Coverage
Max Out-of-Pocket
$7,350 Single
$14,700 Family
Classic 3500
Deductible Amount
$3,500 Single
$7,000 Family
Preventative Care
100% Coverage
Max Out-of-Pocket
$7,350 Single
$14,700 Family
Classic HSA 5000
Deductible Amount
$5,000 Single
$10,000 Family
Preventative Care
100% Coverage
Max Out-of-Pocket
$6,550 Single
$13,100 Family
Sample Rates For 1-4 Employees
Note: Final premiums may be higher or lower based on underwriting results.
1-4 Employees
Employee Only
Employee/Spouse
Employee/Children
Family
Classic 1500
$454
$879
$850
$1304
Classic 3500
$466
$855
$798
$1156
Classic HSA 5000
$446
$775
$702
$1104
Classic Value 7350
$410
$686
$622
$986
Coverage Options for 5+ Employees
Do you want to pay $0 for big ticket items like imaging, surgeries and hospital stays? With our unique Catalyst Plans, you could pay $0 out-of-pocket for services by utilizing the highest quality, best priced providers in your area.
Catalyst 1
Deductible Amount
$2,000 Single
$4,000 Family
Preventative Care
100% Coverage
Max Out-of-Pocket
$4,500 Single
$9,000 Family
Catalyst 2
Deductible Amount
$3,500 Single
$7,000 Family
Preventative Care
100% Coverage
Max Out-of-Pocket
$5,000 Single
$10,000 Family
Catalyst 3
Deductible Amount
$5,000 Single
$10,000 Family
Preventative Care
100% Coverage
Max Out-of-Pocket
$7,500 Single
$15,000 Family
Sample Rates For 5+ Employees
Note: Final premiums may be higher or lower based on underwriting results.
5+ Employees
Employee Only
Employee/Spouse
Employee/Children
Family
Catalyst 1
$392
$779
$706
$1004
Catalyst 2
$356
$750
$674
$929
Catalyst 3
$357
$636
$583
$882
Catalyst 4
$335
$584
$517
$817
Connect With Our Team
We know health coverage can be confusing. That’s why we’ve partnered with Mike Keith Insurance (MKI) to make sure you have the personal service you deserve. Our combined team will be there for you every step of the way from helping you complete your application, getting your enrollment finalized, making sure you have your ID cards and serving as a claims advocate if needed.
Our Latest FBN Health Insights
Health Coverage for Farmers: What Are Your Options?
Healthcare Options Designed For Farming Family Businesses
Why This Family Switched to FBN Health
Are You Confused By Your Health Plan Options?
Making the Move to FBN Health: A Q & A with Farmer J.P. Rhea
Harvest Safety: Recognizing and Reducing Risks
FAQs
What kind of plans are available?
We have four plan designs available for groups of 1-4 employees with individual deductibles ranging from $1,500 to $7,350 per year. Each medical coverage plan includes a nationwide provider network, enhanced ambulance coverage and $0 copays for preventive care visits.
When is your enrollment period?
Groups can enroll in a plan through FBN Health any month of the year.
What is enhanced ambulance coverage?
Many health plans do not cover 100% of the cost of air or land ambulance services, leaving you on the hook for the rest of the balance, which could be tens of thousands of dollars. With the added ambulance coverage included in our plans, your ambulance needs will be covered at 100%.
Can I keep my doctor?
Our team will work closely with you to make sure that all of the doctors and hospitals you need are included in our provider network before you sign on the dotted line. We want you to be happy with our coverage and we want you to know you have the peace of mind that you can see the providers you need to see.
Why is your program often less expensive than others I’ve looked at?
FBN leveraged the power of our Farmer network to negotiate the best rates possible for our members.
How do I apply? How long will it take before I get my quote?
Click the "Get a Quote" button at the top of this page to get started. You will then receive an email with a link including instructions on how to proceed. You should receive your quote within 7-10 business days.
How are my rates determined?
Because you and your employees complete a health questionnaire, rates are based on the age, gender and health of the members in your group.
Once I get my quote, how long do I have before I have to make a decision or enroll before I would have to reapply?
Your firm quote is given to you after all applications are complete and the quote is valid for 60 days.