Farm Bureau Enhanced Choice (TN) - HSA Qualified major medical for $125/mo?

[IndianaHealthAgent]

I'm not from TN, just saw someone post about this plan online and went and did a little bit of looking around myself. You can run quotes on their website, and I was able to find a sample certificate online as well.

Seems too good to be true - how is Farm Bureau able to offer what appears to be comprehensive medical coverage at these rates? I ran a quote for a Knoxville zip code, age 35 male, $125/mo for an HSA Qualified HDHP... I could sell that 24hours/day. They are still medically underwriting and have high MOOP but it still seems too good ot be true.

 

[IndianaHealthAgent]

 

[theguy]

I believe it is fully underwritten. Like life insurance standards. They could get those prices if they were super strict.

Also if they don't bother covering all of MEC requirements, then its definitely possible.

Whenever I'm calling Tennessee, and someone says they have farm bureau, I just tell them they are in good hands and move on.