Indiana Farm Bureau Insurance

There are several companies involved. I had health insurance through my husband’s employer , who is self-insured. The health insurance was not provided by them, but administered the insurance thru a health care administrator. I was also on Medicare as a secondary insurance plan. My husband passed away 02/25/2011. At that time, my husband’s employer, Indiana Farm Bureaua Insurance, to continue health coverage insurance thru cobra, mandated by the federal government for 36months. My husband’s employer hired Benesyst Inc. to set up the cobra plan and accept the insurance premiums and forward the premiums to the insurance company. So I paid for both the cobra insurance and Medicare for 36months. I paid, the last year 630 per month to Benesyst, they took their administrative fee out, and forwarded the rest of it to the insurance company to actually pay for insurance. I also paid Medicare separately. Benesyst assured me that this insurance would be administered s the y same way it was when my husband was alive. That the insurance company would be primary and Medicare would be the secondary payer. My premium reflected this. So for 36 months, everything went smoothly. I paid my premiums, Benesyst would take their portion, and A health care administrator would pay the doctors, labs and facilities. Here is where the problems come from. One month after the cobra plan ended, the insurance company decides that their not the primary insurance. They decided they would be secondary, even though they were being paid as a primary insurance. Now what they are doing is going to my doctors in the 36month period, they are pulling the money they paid those doctors for those appointments. They are telling them to refile as Medicare as primary, and the insurance company as secondary. I am now getting bills, and some going to collections agencies, and I don’t owe any of the money. Because the cobra plan I set up was to have The insurance company as primary and Medicare as secondary. They were already getting paid, and again they are pulling the money from doctors I would see 4-5 times a year, some on a monthly basis. I am now getting these bills back from 36 months’ time period, that is around $700.00 and I potentially haven’t got all of the bills back, from all the prescriptions I was prescribed, the MRI, the cat scans, the ambulance ride and clinic visits. Right now with them pulling money just from doctors, this is not including all of the other facilities that they could pull, after a month the cobra plan expired, this could total close to a quarter million dollars. Benesyst did know that I was already on Medicare and took my payments that The insurance company was primary, this is the way the contract was set up through Benesyst, my husband’s employer and how my plan was to be administered. The insurance company accepted these premiums for 36 months, but a month after the cobra plan ends, they went back and changed the contract. I did exactly as I was instructed per: Benesyst, and A health care administrator. Everyone involved here is ripping me off, ripping my doctors off. I don't know how far this is going to go. The insurance company on the phone said they were going to back 12 out of the 36 months, but I have nothing in writing from them. Because Medicare does not cover the same things that the Cobra plan did. With these monies already paid to medical providers, the bills are now considered overdue and unpaid, until someone pays them, and The insurance company is saying it should be Medicare as primary and The insurance company as secondary. Even if Medicare and The insurance company pays portions, I could still have to pay because of them flipping who should be billed as primary and who is billed as secondary. These are medically necessary tests that I had done in this 36 month period that I would have refused, if I would have known how the insurance was going to work out. The insurance company waited 36 months before saying anything. So I got the tests that the doctors ordered, because they were supposed to be paid. If I would have known, I would have told them no to several tests, because I couldn't afford it. Lots of tests, lots of appointments. I came up with several hundreds of dollars per month to pay for the insurance premiums to pay for medical service, and now they are back tracking. I'm very upset that all three companies let this go on for 36 months.

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I bought a house in February of 2014 and got a quote for homeowner's insurance from Farm Bureau and I ended up leaving them because their price was nearly double what I would pay through Eerie for the same coverage. Their car insurance seems to be reasonably priced. It's only the homeowner's that is too high.

We've had Indiana Farm Bureau Insurance for a long, long time. They're really good but we were really very unhappy with them when they would not insure a marge of our home. For car insurance, they're great but I don't know what the problem is. Some of the agents they have were not very professional sometimes. We've pretty much given up on Indiana Farm Bureau Insurance except for their auto insurance. Everything else, we're moving out of Indiana Farm Bureau Insurance. The agent offered to get me a look into business insurance with Farm Bureau. He said that I would have to have a record of claims from another insurance before I get a business insurance from Farm Bureau. They didn't sent it because they knew that if they would send it, I would probably get insurance from another company. I could not get that claims record to send to Farm Bureau. They wouldn't give me insurance without it. He told me that he will get back to me about the business insurance but he never got back to me with the business insurance again. If I get a good agent, it's a really good company to have. If I have a funny agent, it doesn't matter how good the company is.

I have home, auto, and umbrella policies through Indiana Farm Bureau Insurance in Evansville, IN. The service in setting up the policies was great. The prices were good. No problems.
I have not made any claims with them yet, so I can't speak to their claims service.

went as planned. went to his office signed paperwork and was done.

the service was consistently bad, including sending bills to wrong address so i never got them, then charging late fees  for bills i never received.  other details that i provided were not written down correctly including spelling on my name, and specifics about properties, and services requested.  i had to make corrections on numerous occasions.  communication was poor.  i would call in to complain and never hear back.  when i would call back, it would often be a different person who answered the phone and i would have to start all over.  they have a bizarre policy of charging a late fee a month before bill is actually due, and never explained that ahead of time.  when i complained to higher levels, there was no resolution.  all the offices are independent, so it did no good to reach out to national.  after months of increasing problems i moved all my business elsewhere.

I've been with them for 40 years. They have served me well for all that time. I've never looked at others. I just felt like I had been with them for so long and I trust them. So I didn't ever feel the need to go elsewhere.

FARM BUREAU INSURANCE 

Farm Bureau Insurance, is pretty good.

Farm Bureau has been our insurance provider for several years now. Our agent, Brett Powell, is very friendly and professional. Our rates are more than fair and when we had water damage to our home they were prompt in getting things resolved. I have recommended Farm Bureau to my friends and family.

They deal with claims promptly. They are understanding, accommodating and seem to care about you. The staff is professional and don't give you the run-around. They are everything you would want your insurance company to be.

THE PROCESS APPARENTLY TAKES AN APPRAISER, TWO ADJUSTERS (ONE FOR THE GLASS AND ONE FOR THE WINDOW FRAME) AND ENDLESS PHONE CALLS. NO ONE EVER RETURNS PHONE CALLS, SO I HAVE TO CATCH PEOPLE AT THEIR DESKS. I AM EXPECTED TO STAY AT HOME ALL DAY FOR THE APPRAISER THEY CAN'T EVEN LIMIT IT TO MORNING OR AFTERNOON. WHAT SHOULD BE A STRAIGHTFORWARD COMPRESENSIVE INSURANCE CLAIM IS GOING TO TAKE WEEKS TO PROCESS.