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Health & Welfare: Health Coverage – Things to Consider When Choosing Your Medical Plan

State Farm asks you to review your employee health coverage choices carefully because we know plans aren't "one size fits all" options. We also recognize the importance of understanding the specifics and choosing benefits tailored to your individual needs. In many locations, State Farm offers two types of medical plans; the State Farm Group Medical Preferred Provider Organization (PPO) Plan as well as a Health Maintenance Organization (HMO) or Accountable Care Organization (ACO). We encourage you to take the opportunity to review the benefits, costs and service providers of each plan and decide which plan best meets your personal needs.

The monthly contribution should not be your only consideration.

Weigh the benefits, services, providers and copayments/co-insurance of each plan to determine which plan best meets your needs. Remember, plan providers (physicians and hospitals) are subject to change during the year. However, you are not allowed to switch medical plans mid-year in the absence of a qualified Health Insurance Portability and Accountability Act (HIPAA) special enrollment event (for example, loss of coverage, obtaining new dependent due to marriage, birth, adoption or placement for adoption). You must notify the State Farm Benefits Center within 31 days of an event in order to be eligible for coverage.


This brief overview of the State Farm Medical Plan options is not intended to be a complete explanation of plan features. For more detailed information, please refer to the online Human Resources Policy Manual for U.S. employees.