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ENROLLMENT INFORMATION
How do I find out how much this insurance costs or who do I call for more information about Farmers’ Health Cooperative of Wisconsin?
When can I apply–is there a certain time of year when I can enroll?

You can enroll any time of the year. Coverage becomes effective the first of the month after you enroll.
When does the health insurance renew?

All of the plans renew every January 1st no matter when you sign up.
How long am I required to be a member?

You must make an initial commitment of three years..
What happens if I want to terminate my insurance coverage before my three-year commitment ends?

If you terminate early, you will lose the capitalization fee you paid when you joined the cooperative.
Why do I have to sign up for three years?

The three-year commitment is required by state law, and allows the cooperative to negotiate a more favorable arrangement with the insurer that includes caps on premium increases, bringing you more stable rates. It also protects the cooperative from the adverse selection that has occurred in other purchasing pools where enrollees could enroll and disenroll at any time.
Can my current insurance agent assist me
in enrolling in this plan?

Agri-Services Agency (ASA) will work with you to answer your questions and enroll you in Farmers’ Health Cooperative of Wisconsin. Agri-Services Agency was created more than 30 years ago to bring affordable insurance programs to farmers and other agribusiness owners, their families and employees. ASA provides insurance to nearly 70,000 agribusiness owners and employees worldwide.
What forms are required for me to enroll?

You must complete an application, health questionnaire, co-op membership form and USDA form. These will all be provided to you and are available on this website at the bottom of each page.
What options do I have for paying my premiums?

If you are a farmer, we can bill you monthly or quarterly.You may also choose to pay monthly premiums through direct withdrawal from your checking or savings account, or out of your milk check. If you are an agribusiness, you will be billed monthly.
Can I be rejected for coverage if I have a current medical condition?

No, you cannot be rejected for coverage. However, your final premium rates are based on your and/or your family’s health status.
Do you cover pre-existing conditions?

Pre-existing conditions are covered if you have had one year or more of continuous health insurance coverage, without a lapse of more than 63 days from the expiration date of your previous coverage and the effective date of your FHCW coverage.
 
 
 
DOWNLOADABLE FORMS   Definitions
Benefit Summary for POS Delta Dental Application Form Membership Application
Benefit Summary for $2500 HSA FHCW Dental Acknowledgement Form Employee Census Form
Benefit Summary for $5000 HSA Application for FHCW Employer Application Form
Benefit Summary for Delta Dental Health Questionnaire  

Farmers' Health Cooperative of Wisconsin is a Co-op Care initiative brought to you by Cooperative Network. FHCW health insurance plans will be managed by Agri-Services Agency which offers coverage through Anthem. We are grateful for support from the UW School of Medicine and Public Health’s Partnership Fund for a Healthy Future; AgStar Financial Services; USDA Rural Development; and the Wisconsin Department of Agriculture, Trade and Consumer Protection.

© 2013 Farmers' Health Cooperative of Wisconsin