The Special Enrollment Period (SEP) is currently in effect. *

Individuals who didn’t enroll at the end of 2020 for health insurance coverage for 2021 during Open Enrollment, will need to currently qualify for a Special Enrollment Period to obtain health insurance coverage. A special enrollment period is a window which allows an individual to enroll in an individual health insurance plan outside the annual open enrollment period. Special enrollment is “triggered” by certain qualifying events that are defined by law. In most cases, special enrollment periods last 60 days from the date of the qualifying event.

*Eligible employers who want to provide coverage for their employees may apply for group coverage anytime during the year.

older couple walkingBecause Medicare was not designed to cover all of your health care costs, it is important that you have protection against rising medical costs.

Finding a health plan that’s right for you can seem overwhelming with so many options out there. With a wide variety of Medicare health plan options Farm Bureau Health Services can help you choose a plan that fits your unique needs and your budget.

We can also help you obtain Part D coverage for your prescription needs.

 

Medicare Advantage*

A Medicare Advantage plan (like an HMO or PPO) is another Medicare health plan choice you may have as part of Medicare. Medicare Advantage plans are offered by private companies approved by Medicare. If you join a Medicare Advantage plan, you still have Medicare. You will get your Part A (hospital insurance) and Part B (medical insurance) coverage from the Medicare Advantage plan and no Original Medicare. Medicare Advantage plans must cover all of the services that Original Medicare covers except hospice care. Original Medicare covers hospice care even if you’re in a Medicare Advantage plan. Medicare Advantage plans aren’t supplemental coverage. Medicare Advantage plans may offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D). In most cases, you can join a Medicare Advantage plan only at certain times during the year.

Medicare Supplement (Medigap)*

A Medigap policy (also called Medicare Supplement Insurance) is private health insurance that’s designed to supplement Original Medicare. This means it helps pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance and deductibles. If you have Original Medicare and a Medigap policy, Medicare will pay its share of the Medicare-approved amounts for covered health care costs. Then your Medigap policy pays its share.

Medicare Part D Prescription Drugs*

Medicare offers prescription drug coverage to everyone with Medicare. To get Medicare prescription drug coverage, you must join a plan run by an insurance company approved by Medicare. In most cases, you can join a Medicare Part D prescription drug plan only at certain times during the year.

*Due to the Affordable Care Act Special Open Enrollment Periods May Apply

Knowledgeable. Helpful. Dedicated.

Insurance Companies We Represent

Below is a list of some of the insurance companies we represent:**
• Capital BLUE

• Highmark

• Highmark Blue Cross of Northeast PA

• Independence Blue Cross

• UPMC
**Not all carriers are available in all regions. Please check for availability.