Farm Credit Foundations offers three different PPO* medical options through BCBS of Illinois for you and your family:

• Premium PPO Plan
• Standard PPO Plan
• Consumer Choice PPO Plan (This plan is a qualified High Deductible Health Plan.)

*PPO (Preferred Provider Organization) A PPO is a medical plan that uses a network of “Participating Providers” who charge discounted fees for medical services and cannot balance bill due to contractual agreements. You may choose to see any medical provider whether in or out-of-network — and no referrals are necessary. However, when you choose a participating provider, you will typically receive plan-negotiated discounts in addition to a higher level of in-network benefits.

• To locate a participating provider in your area:
•  www.bcbsil.com/foundations