Before Open Enrollment, It Pays to Know Your Options

For people who buy health coverage on their own, it’s easy to fall into the same routine year after year.

Maybe you will renew the same Marketplace plan because it’s what you know. Maybe you shop around, see the price, and decide to go without. Or maybe you’ve never seriously considered buying coverage on your own because you already expect it to cost too much.

Whatever your situation, there may be an option you haven’t considered.

As Marketplace open enrollment approaches, now is a good time to take another look. Nebraska Farm Bureau Health Plans offer another health coverage option for eligible Nebraskans, and for some, the difference in cost can be significant. In fact, members may save up to 50%* compared with many unsubsidized Affordable Care Act plans.

But cost is only part of the equation. The right health coverage also needs to fit your life and healthcare needs. That’s where some of the other benefits of Nebraska Farm Bureau Health Plans come in.

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More Time to Explore Your Options

Marketplace open enrollment gives you a limited window to compare plans and decide. Nebraska Farm Bureau Health Plans work differently.

Applications are accepted year-round, giving eligible Nebraskans more flexibility to explore their options, ask questions, and decide whether a plan may be right for them without the pressure of an approaching enrollment deadline.

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Finding Coverage That Works for You

Healthcare isn’t one-size-fits-all. Nebraska Farm Bureau Health Plans offer several individual and family plan options with different deductibles, copays, and out-of-pocket maximums, including HSA-qualified plans.

Members also have access to care across the country through the UnitedHealthcare Choice Plus PPO network, offering flexibility both at home and while traveling.

And health coverage isn’t the only option available. Dental and vision coverage is also available for all ages, giving individuals and families another way to consider their overall healthcare needs.

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Could a Nebraska Farm Bureau Health Plan Work for You?

If you’ve been renewing the same plan year after year, decided Marketplace coverage was more than you wanted to spend, or assumed buying health coverage on your own simply wasn’t affordable, don’t let those assumptions make the decision for you.

With open enrollment approaching, take another look at what’s available. You may find you have more options than you thought.

Visit NEFBHP.com or connect with a local Farm Bureau Financial Services agent to learn more and see whether a Nebraska Farm Bureau Health Plan could be right for you.

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*Actual premiums, deductibles, and out-of-pocket costs may vary depending on individual circumstances and final plan approval.

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