Health Insurance
At last! A health insurance program designed to address the needs and wants of farmers and agribusiness at an affordable price.

Farmers’ Health Cooperative of Wisconsin offers individual farmers and agribusiness several cost-effective benefit plans that are designed to meet your needs.

Take advantage of these features:
• Guaranteed issue—you cannot be denied insurance for  existing health conditions
• Coverage for work related injuries
• Multiple plans to choose from with deductibles that range from $300 to $5,000
• Tax deductible health savings account (HSA) compatible plans
• Affordable premiums
• Predictable, stabilized premium rates
• First dollar preventive care coverage
• Prescription drug coverage
• Maternity coverage
• Freedom to choose your own provider
• 24-hour nurse line
• Co-op buying power

Accident Benefit
Our plans include a $2,000 benefit to cover medical expenses resulting from accidents, including reimbursement of deductible and co-payments incurred.

NEW!  Dental Insurance
We are pleased that Delta Dental of Wisconsin has been selected as the dental carrier for members of FHCW! For over forty years, Delta Dental has offered high-value, high quality and innovative dental benefits to Wisconsin employers.  This coverage, which would not otherwise be available to individual farmers, is now accessible to farmers and agribusinesses through the large group purchasing power of a cooperative.
The not-for-profit Delta Dental is Wisconsin’s largest dental carrier and offers a quality dental plan to FHCW members and includes:

• Freedom to choose your own dentist
• Access to discounts from over 80% of the dentists in Wisconsin
• 100 percent coverage of one dental cleaning/examination every 6 months
• other diagnostic and preventive services such as sealants and fluoride treatments with no deductible
• Fillings, root canals, extractions, root planning and major restorative services such as crowns and dentures are also covered

The 2010 monthly premiums are:
Single               $27.22
2-person          $53.63
Family              $103.89

Vision Plan
Our plans contain a vision program offered by a national vision provider with convenient locations in stores such as Sears, J.C. Penney, Target and Pearle Vision. The benefit includes exam and eyewear coverage.

Downloadable PDFs
Click on the links below to download the documents.
Benefit summary for $2500 HSA
Benefit summary for $5000 HSA
Benefit summary - PPO
Benefit Summary- Delta Dental