Comprehensive Care
FBN Health plans include $0 preventive and telemedicine care along with coordinated care and disease management for any chronic conditions.
Ambulance Coverage
Ambulance rides can be expensive, but you shouldn’t have to worry about that during an emergency. With our plans you have the option to enhance your coverage to include air and land ambulance rides at 100%.
Nationwide Networks
All of our plans are backed by regional and nationwide provider networks, so it’s easy to find an in-network provider and hospital no matter where you are.
Personal Service
Our team will work with you to make sure your health care plan is the best fit for your operation. After you enroll, we’ll still be available to answer any claims questions you may have in the future.
Affordable Options
We offer multiple plan options to fit every budget so you can find the right one for your needs. Our unique plans could cost you $0 out-of-pocket on surgeries, x-rays and other imaging.
Medicare Add-ons
Are you turning 65 soon? If you’re looking for an affordable, guarantee issue option to supplement traditional Medicare, we’re here to help.
Coverage Options for 1-9 Employees
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 1-9 Employees
Note: Final premiums may be higher or lower based on underwriting results.
1-9 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 10+ 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 10+ Employees
Note: Final premiums may be higher or lower based on underwriting results.
10+ 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 Health 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.
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.
Strategically Manage Risk with FBN Insurance
Supported by a Farmers First® approach to everything we do, FBN Insurance offers a variety of coverage options to support you as you maintain and scale your ag operation. In addition to health insurance, FBN Insurance also offers:
Hail Crop Coverage
MPCI
WFRP
Annual Forage
LRP
PRF
Apiculture
And More
The Latest Health and Safety Insights
Health Coverage for Farmers: What Are Your Options?
Healthcare Options Designed For Farming Family Businesses
5 Questions to Ask When Choosing a Health Plan
