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Plan Type PPO
Office Visit for Primary Doctor
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0% after deductible
Office Visit for Specialist 0% after deductible
Office Visit for Other Practitioner (Nurse, Physician Assistant) N/A
Annual Deductible Individual: $4,500
Separate Prescription Drugs Deductible Medical deductible applies
Coinsurance 0%
Retail Prescription Drugs N/A
Annual Out-of-Pocket Limit Individual: $4,500
Includes deductible
Lifetime Maximum Unlimited
Health Savings Account (HSA) Eligible No
Out-of-Network Coverage Yes  (Details in plan brochure below)
Out-of-Country Coverage Emergency Care Only.
Office Visit
Primary Care Physician Required No
Specialist Referrals Required No
Preventive Care Coverage
Periodic Health Exam Covered in full
Periodic OB-GYN Exam Covered in full
Well Baby Care Covered in full
Emergency and Urgent Care
Emergency Room 0% after deductible
Emergency Ambulance Services N/A
Urgent Care Facility N/A
Prescription Drug Coverage
Retail Prescription Drugs N/A
Separate Prescription Drugs Deductible Medical deductible applies
Mail Order Prescription Drugs N/A
Mail Order Supply 90
Outpatient Coverage
Outpatient Surgery 0% after deductible
Outpatient Lab/X-Ray 0% after deductible
Imaging (CT and PET scans, MRIs) N/A
Outpatient Mental Health N/A
Outpatient Substance Abuse N/A
Outpatient Rehabilitation Services (PT, OT, ST) N/A
Inpatient Coverage
Hospitalization 0% after deductible
Skilled Nursing Facility N/A
Inpatient Mental Health N/A
Inpatient Substance Abuse N/A
Home Healthcare N/A
Maternity Coverage
Pre & Postnatal Office Visit 0% after deductible
Labor & Delivery Hospital Stay 0% after deductible
Pediatric Services
Dental Checkup for Children N/A
Vision Screening for Children N/A
Eye Glasses for Children N/A
Major Dental Coverage (Pediatric) N/A
Additional Coverage
Chiropractic Coverage 0% after deductible
Durable Medical Equipment N/A
Hospice N/A
Major Dental Coverage (Adult) N/A
Vision Coverage (Adult) N/A
Out-of-Network Coverage
Out-of-Network Authorization Required Yes
Out-of-Network Annual Deductible $4,500 single / $9,000 family
Out-of-Network Annual Coinsurance 50%
Out-of-Network Annual Out-of-Pocket Limit $9,500 single / $19,000 family
Additional Information
A.M. Best Rating B++ as of 12/20/2013
Electronic Signature for Application Available Yes
Details and documents about this plan
View Plan Brochure Summary of Benefits & Coverage

The Summary of Benefits & Coverage form pertains to the coverage provided by a particular health insurance plan. If you select certain optional benefits while applying for this health insurance plan, a modified Summary of Benefits & Coverage may be available that reflects the optional benefits that you selected. A paper copy of this Summary of Benefits & Coverage is available upon request by calling our toll free number. Click here to view the Uniform Glossary of Coverage and Medical Terms.

Customer reviews

Important notices and disclaimers

  • The benefits matrix is a summary for informational purposes only. Review the evidence of coverage and insurance policy (plan contract) for a detailed description of coverage benefits, limitations, and exclusions. Only the terms and conditions of coverage benefits listed in the policy are binding.
  • The benefits listed may be contingent on your use of physicians, hospitals, and services within the specific insurance company's provider network.
  • The Copayment, Deductible, and Coinsurance amounts are your share of the costs for covered benefits. These amounts are subject to change.
  • Each insurance carrier may have unique Notices, Disclaimers, and Fees. Please check below for information regarding the plans and carriers you selected.
  • The quotes or rates shown above are estimates only. Your premium is subject to change based on the optional benefits you selected, if any, and other relevant factors, such as changes in rates that take effect before your coverage start date. The insurance company always determines your actual premium. Insurance companies reserve the right to change the terms of a policy upon proper notification.
  • The Summary of Benefits & Coverage form pertains to the coverage provided by a particular health insurance plan. If you select certain optional benefits while applying for this health insurance plan, a modified Summary of Benefits & Coverage may be available that reflects the optional benefits that you selected. A paper copy of this Summary of Benefits & Coverage is available upon request by calling our toll free number. Click here to view the Uniform Glossary of Coverage and Medical Terms.

Carrier specific notices, disclaimers and fees

  • Health Net - Farm Bureau insurance plans are available only to members of California Farm Bureau (CFB) . If you are not already a member of CFB, you must join in order to be eligible to apply for these insurance plans. Through a special agreement between CFB and Health Net Life Insurance Company, you can apply for membership in the CFB through Health Net Life. You will fill out the County Farm Bureau Application for Membership on this website prior to submitting your application to Health Net Life for health insurance. For more information about the California Farm Bureau, visit cfbf.org (no need to enroll directly - Health Net Life will submit your dues to CFB). Health insurance coverage is subject to medical underwriting.
  • Health Net - The premium rates quoted are subject to change. The final rates are based on the medical history, medical underwriting, the effective date of coverage, plan, primary applicant's date of birth, family status and rating region. A change in the rates may also be due to a scheduled rate adjustment which may take effect on or before your requested effective date. Premium changes due to legislative or regulatory requirements will become effective on the effective date of such changes.
  • Health Net - Rates for children younger than age 19
    The rate shown on this quoting site is the standard rate. Health Net may charge up to two times the standard rate due to health status during an open enrollment or late enrollment period. Outside of these periods, Health Net may charge more than two times the standard rate. If Health Net coverage is issued at more than two times the standard rate, the rate will automatically change to two times the standard rate at the child's next open enrollment period. In addition, if the child has not maintained coverage for the full 90-day period prior to the application date, an additional 20% surcharge will apply for the first 12 months of coverage (does not apply to late enrollees). Health Net or your broker will contact you if a rate other than the standard rate is offered.