*The Aflac insurance plans summarized on this page provide brief product overviews only. Coverage may not be available in all states including but not limited to ID, NJ, NM NY & VA. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. The policies have limitations and exclusions that may affect benefits payable. Refer to the specific policies and riders for complete details, limitations, and exclusions. For costs and complete details of the coverage, please contact your local Aflac agent.
Except in New York, individual insurance and group dental and vision insurance is offered by American Family Life Assurance Company of Columbus. In NY both group and individual coverage is offered by American Family Life Assurance Company of New York. Group policies are offered by Continental American Insurance Company (CAIC). CAIC is not licensed to solicit business in New York, Guam, Puerto Rico or the Virgin Islands. In CA, CAIC does business as Continental American Life Insurance Company (CAIC NAIC 71730)
Dental and Vision plans are administered by Aflac Benefit Solutions, Inc.
Aflac Worldwide Headquarters | Columbus, GA
Aflac Group | Columbia, SC
American Family Life Assurance Company of New York | Albany, NY
Aflac’s Premium Life, Absence and Disability Services are available in all states, except Puerto Rico, Guam or the Virgin Islands, and are offered by Continental American Insurance Company (CAIC). Self-funded plans and absence services are administered by CAIC in all states but NY. In NY, self-funded plans and absence services are administered by and insurance is offered by American Family Life Assurance Company of NY. Administrative services are not insurance and are not considered legal advice. Products may not be available in all states and may vary depending on state law.
Direct to Consumer Business is underwritten by Tier One Insurance Company, doing business as Tier One Life Insurance Company in California (Tier One NAIC 92908)
Notice: Dental and vision benefits are not considered minimum essential coverage for pediatric dental or vision plans in accordance with the Affordable Care Act (ACA). Aflac's insurance plans are not an alternative for comprehensive health insurance.
Accident (A35000 series): In Idaho, Policies A35100ID-A35200ID, & A35B24ID. In Oklahoma, Policies A35100OK-A35200OK, & A35B24OK. In Virginia, Policies A35100VA-A35400VA, A35B24VA, & A35BOFVA.
Cancer/Specified-Disease (B70000 series): In Idaho, Policies B70100ID, B70200ID, B70300ID, B7010EPID, B7020EPID. In Oklahoma, Policies B70100OK; B70200OK; B70300OK; B7010EPOK; B7020EPOK.
Critical Illness/Specified Health Event (B71000 series): In Oklahoma, Policies B71100OK & B7110HOK.
Dental (QN81000 series): In Idaho, QN81100MID. In Oklahoma, policy form QN81100MOK.
Supplemental Dental (A81000 series): In Idaho, Policies A81100RID through A81400RID. In Oklahoma, Policies A81100OK through A81400OK. In Virginia, Policies A81100VA through A81300VA.
Hospital (B40000 series): In Idaho, Policies B40100ID & B4010HID. In Oklahoma, Policies B40100OK & B4010HOK. In Virginia, Policies B40100VA & B4010HVA.
Juvenile Life (65000 series): In Idaho, Oklahoma and Virginia, Policies ICC0965JTO and ICC0965JWO; (B61000 series): In Arkansas, Idaho, Oklahoma & Virginia, Policies: ICC18B61JWO & ICC18B61JTO.
Whole & Term Life (68000 series): In Arkansas, Idaho, Oklahoma and Virginia, Policies: ICC1368100, ICC1368200, ICC1368300, ICC1368400.
Short-Term Disability (A57600 series): In Idaho, Policy A57600IDR. In New York, Policy NY57600. In Oklahoma, Policies A57600OK, A57600LBOK. In Virginia, Policies A57600VA, A57600LBVA.
Vision (QNV1000 series): In Idaho, QNV1100MID. In Oklahoma, policy form QNV1100MOK. Supplemental Vision (VSN series): In Idaho, Policy VSN100ID. In New York, Policy NYVSN100. In Oklahoma, Policy VSN100OKR. In Virginia, Policy VSN100VA.
“Aflac” may include American Family Life Assurance Company of Columbus, American Family Life Assurance Company of New York, Continental American Insurance Company (marketed as “Aflac Group”), Tier One Insurance Company, and any other affiliated companies (collectively, “Aflac”), as applicable to the entity from whom you receive insurance services.
†The information provided in the Benefits Estimator is illustrative only. Plans may not be available in all states, and benefits may vary by state, coverage, and plan level selected. Policies have limitations and exclusions that may affect benefits payable. The Aflac payout values do not guarantee an amount to be paid for the listed conditions. Benefits paid by Aflac (if any) will depend on the severity of the accident or illness, the physician diagnosis, and the treatment received. The "Aflac Pays You" data is an average of historical payments made to Aflac policyholders/certificateholders who qualified for benefits under their specific plans and does not reflect instances when benefits were not paid for a particular claim. Whether benefits are payable will be determined when a claim is processed. You must be 18 or older to apply for Aflac insurance. Availability varies by product; see your local Aflac agent for details. The out-of-pocket expenses displayed are estimated at 40% of the total medical cost, assuming that average major medical plans cover approximately 60% of the expense. Your major medical coverage may be more or less, and if an individual or family incurs expenses for non-covered benefits, these out-of-pocket expenses may increase potential unexpected costs. You will also need to pay for any limits or exclusions on your benefits which may include the number of refills for certain drugs, visits to certain specialists, or days covered for certain benefits. View Data Sources to see our underlying sources for the data provided in this calculator.
Aflac’s Benefits Estimator is an innovative tool to help you understand the real costs associated with illnesses or injuries. These costs include:
- Expenses not covered by major medical, such as deductibles and co-pays
- Out-of-pocket costs for things like follow-up medical appointments
The Calculator incorporates data from numerous public sources (including public health, healthcare providers and voluntary health organizations) to show the average costs of a variety of medical conditions. The data presented in this tool is for illustrative purposes only. The Aflac policy payout values are averages; and are not guarantees of an amount to be paid for the listed conditions. Aflac payout data shown is based on historical claims over a 10-year period, across all product plans in force at the time. The values represent the average amount of claims paid to a policyholder with the condition over the timeframe (2007-2017). Aflac policies are not available in all states and may vary by state and plan level. Benefits payable are determined at time of claim. The information provided in the Benefits Estimator tool is illustrative only. The Aflac payout values do not guarantee an amount to be paid for the listed conditions. Plans may not be available in all states, and benefits may vary by state, coverage, and plan level selected. Benefits are payable at the time a claim is processed.
‡ "2020-2021 Aflac WorkForces Report". www.aflac.com/awr
Why is supplemental insurance not good? ›
For example, it may not cover all the expenses you expected it to, it may impose waiting periods before payments start, or it may contain limits based on how much you paid and for how long. It is important to understand that supplemental insurance is not regulated by the Affordable Care Act.How does supplemental coverage work? ›
Supplemental health insurance is a plan that covers costs above and beyond what standard health policies will pay. It may provide extra coverage. It may even pay for costs not covered by a traditional health plan, such as coinsurance, copays, and deductibles.Is Aflac insurance any good? ›
“A+” (excellent) rating by Better Business Bureau. “A+” (superior) rating by AM Best. One of the largest supplemental insurance providers. A Fortune 500 company.Is Aflac supplemental? ›
Aflac supplemental insurance provides an additional layer of financial protection for your employees and their families in the event of a serious accident or illness. For over 60 years, we've focused on giving customers the best supplemental insurance experience possible.What is the most popular supplemental insurance for Medicare? ›
By and large, Plan F is the most popular Medicare Supplement plan due to its coverage of more out-of-pocket Medicare costs than any other Medigap plan type.Who might benefit from supplemental insurance and why? ›
Supplemental health insurance can be an added layer of protection used to cover what a traditional health insurance plan does not. It can also help pay for nonmedical expenses that can go with illness or injury, such as lost income or childcare.What is an example of supplemental insurance? ›
For example, consumers can purchase supplemental cancer insurance to help pay for cancer-related screenings and treatments. Women can buy supplemental insurance for pregnancy to defray costs of prenatal care, labor and the birth of a baby. (These policies must be purchased before conception.)What are supplemental benefits? ›
A supplemental benefit is a payment from an employer to an employee to make up the difference between their regular wage and the benefit paid by Paid Family and Medical Leave. This could be salary continuation, or paid time off (PTO).What is the primary benefit of supplemental health insurance? ›
Supplemental health insurance was created to help workers offset rising out-of-pocket expenses due to: The growing prevalence of high-deductible health plans (HDHPs) Fill the gaps from medical plans that fall short of the total costs associated with the diagnosis and treatment of a major illness or injury.How long does it take for Aflac to pay out? ›
Aflac Insurance Claims
If you need to make a claim, you need to know how long Aflac takes to pay out claims. All claims are processed within five working days, although the website claims this can be done as soon as 24 hours. You also need to keep in mind the one-year timely filing clause for Aflac Claims.
Does Aflac cover copays? ›
If you have Aflac, your cash benefits can be used to help pay your deductible, your portion of coinsurance, your copay or any other expenses you may have.Does Aflac cover prescriptions? ›
The No Cost Prescription Program is included with the purchase of any pass. You can also get the No Cost Prescription Program on its own!Does Aflac cover doctor visits? ›
PHYSICIAN VISIT BENEFIT: Aflac will pay $25 when a Covered Person incurs a charge for a visit (including a Telemedicine Visit) to a Physician, Psychologist, or Urgent Care Center. Services must be under the supervision of a Physician or Psychologist.Does Aflac cover CT scans? ›
MAJOR DIAGNOSTIC AND IMAGING EXAMS BENEFIT: Aflac will pay $200 when a Covered Person requires one of the following exams for Injuries sustained in a covered accident and a charge is incurred: computerized tomography (CT scan), computerized axial tomography (CAT), magnetic resonance imaging (MRI), or ...How much does Aflac pay per day? ›
No lifetime maximum. $100 per day Aflac will pay $100 per day when a covered person incurs a charge for a period of hospital intensive care unit confinement for a covered sickness or injury. This benefit is payable in addition to the Hospital Confinement Benefit and the Daily Hospital Confinement Benefit.Is there a Medicare Supplement that covers everything? ›
Overview. Medigap Plan F is the most comprehensive Medicare Supplement plan. Also referred to as Medicare Supplement Plan F, it covers both Medicare deductibles and all copays and coinsurance, leaving you with nothing out-of-pocket. This post has been updated for 2022.How much does Medicare cost for a 65 year old? ›
In 2022, the premium is either $274 or $499 each month ($278 or $506 in 2023), depending on how long you or your spouse worked and paid Medicare taxes. You also have to sign up for Part B to buy Part A. If you don't buy Part A when you're first eligible for Medicare (usually when you turn 65), you might pay a penalty.What is the monthly premium for AARP Medicare Supplement? ›
Costs for AARP Medigap insurance vary widely, ranging from about $60 to $300 per month.What is a supplement plan? ›
A Medicare Supplement plan, sometimes called “Medigap,” is a private insurance policy that can help pay for some of the health care costs that Medicare doesn't cover. This can include out-of-pocket expenses such as copayments, coinsurance and deductibles.What pre existing conditions? ›
A health problem, like asthma, diabetes, or cancer, you had before the date that new health coverage starts. Insurance companies can't refuse to cover treatment for your pre-existing condition or charge you more.
What other insurance is like Aflac? ›
Aflac competitors include Liberty Mutual Insurance, Humana, Allstate, State Farm Insurance and Aetna.What is supplemental insurance claim? ›
Supplemental insurance plans are designed to pay benefits directly to the policyholder. Unlike major medical insurance that pays the providers directly for treatment, when you file a supplemental insurance claim, the money is paid to you. Because of this design, you can use the funds however you'd like.Is supplemental health insurance deductible? ›
Yes, supplemental insurance premiums are deductible as a medical expense.Is Medicare Part B considered supplemental insurance? ›
Part B is part of what's called Original Medicare, along with Part A. Plan B refers to Medicare supplement insurance commonly called Medigap. Part A covers hospital bills and Part B, for which a standard premium is paid, covers outpatient care, medical equipment, and other services.What are Medicare approved supplemental benefits? ›
Some commonly offered supplemental benefits are dental care, vision care, hearing aids, and gym memberships. Most supplemental benefits must be primarily health-related.What is a long term supplemental employee? ›
Supplemental Employee means an Employee so designated by his Employer in accordance with its established personnel practices who is not classified as a Regular Employee.
The amount of pension is 50% of the emoluments or average emoluments whichever is beneficial. Minimum pension presently is Rs. 9000 per month. Maximum limit on pension is 50% of the highest pay in the Government of India (presently Rs. 1,25,000) per month. Pension is payable up to and including the date of death.How does secondary insurance work with deductibles? ›
Secondary insurance pays after your primary insurance. Usually, secondary insurance pays some or all of the costs left after the primary insurer has paid (e.g., deductibles, copayments, coinsurances).Are Medicare supplement plans necessary? ›
A Medigap plan covers costs left by Original Medicare. Having a Medigap plan can help you keep your health care costs down by covering the costs you'd otherwise pay. While it's not necessary, it's certainly beneficial.What is typically covered by supplemental plans quizlet? ›
What is typically covered by supplemental plans: copayments, coinsurance and deductibles.
Does Aflac pay your bills? ›
Aflac Short-Term Disability Insurance pays cash benefits for covered disabilities (subject to exclusions and limitations). Payments can be used as needed – to help with medical bills, recovery expenses or even to help you pay for rent or groceries.Are Aflac payments taxable? ›
If both you and your employer have paid the premiums for the plan, only the amount you receive for your disability that is due to your employer's payments is reported as income. Therefore, you may receive a W-2 form from your employer that will include the taxable benefits amount you received.Can I keep Aflac if I leave my job? ›
Q: If I quit, can I keep my AFLAC plan? A: Yes, your benefit is portable – and can follow you to your new employer. Your premium will become directly billed by AFLAC.Does Aflac pay me or the hospital? ›
Aflac helps take the sting out.
After a 3-day stay in the hospital you're feeling much better, but hospital bills add up quickly. Cash benefits are paid directly to you (unless otherwise assigned), which can help ease the financial stress of your illness.
Monthly Benefit: $400–$6,000 (subject to income requirements) • Total Disability Benefit Periods: 6, 12, 18, or 24 months • Partial Disability Benefit Period: 3 months • Elimination Periods (Injury/Sickness): 0/7, 0/14, 7/7, 7/14, 14/14, 0/30, 30/30, 60/60, 90/90, 180/180 • Optional rider available for on-the-job ...Does Aflac pay for physicals? ›
Your Aflac wellness claim pays you money for staying on top of your health by getting yearly checkups and medical screenings such as physicals, dental exams and eye tests. Most Aflac accident, hospital indemnity and cancer insurance policies have a wellness benefit to pay you for staying on top of your health.Does Aflac pay for xrays? ›
X-RAY BENEFIT: Aflac will pay $25 when a Covered Person requires an X-ray while receiving emergency treatment for Injuries sustained in a covered accident. This benefit is limited to one payment per covered accident, per Covered Person.What illnesses does Aflac cover? ›
Critical Illnesses are: Heart Attack due to coronary artery disease or acute coronary syndrome; ischemic Stroke due to advanced arteriosclerosis or arteriosclerosis of the arteries of the neck or brain; hemorrhagic Stroke due to uncontrolled high blood pressure, malignant hypertension, brain aneurysm, or arteriovenous ...What procedures does Aflac pay for? ›
There are many additional costs on top of treating the injury that may not be covered under your primary medical coverage. Aflac can help pay for ambulance trips, physical therapy, CT Scans, MRIs, confinement, blood transfusions, and medical appliances.What does Dave Ramsey say about health insurance? ›
Dave recommends 60-70% of your monthly income in coverage, selecting the longest elimination period your budget and emergency fund can afford, and a 5-year benefit period (or longer if you can afford it).
Is it necessary to have a Medicare supplement? ›
Medicare supplement plans are optional but could save you big $$$ on doctor bills. Your cost-sharing under Part B is similar. You are responsible for paying your Part B deductible, which is $233 in 2022. Then Part B Medicare only pay 80% of approved services.What does supplemental health insurance mean? ›
Supplemental insurance refers to an insurance policy that supplements your primary health insurance coverage. Supplemental insurance includes a variety of policies that can be offered by employers or purchased on their own, including: Life insurance. Short-term disability. Long-term disability.What is the difference between Medicare supplement and secondary insurance? ›
Secondary health insurance provides the coverage of a full health care policy while supplemental insurance is intended only to augment an existing primary care plan. Choosing one of these health care routes may come down to finances and the coverage extended through your primary health insurance.Is it smart to not have health insurance? ›
Without health insurance coverage, a serious accident or a health issue that results in emergency care and/or an expensive treatment plan can result in poor credit or even bankruptcy.What insurance does Dave Ramsey endorse? ›
Zander Insurance – Endorsed By Dave Ramsey | Official Site.What deductible does Dave Ramsey recommend? ›
Finance expert Dave Ramsey recommends a $1,000 deductible for many people. Drivers can do a break-even analysis to see how long it would take for a change in deductible to make sense.Will supplemental insurance pay if Medicare does not? ›
Original Medicare does not cover all costs. Medicare Supplement insurance, or Medigap, can cover what Medicare does not. Private insurance companies – vetted by the federal government – offer it to help manage out-of-pocket expenses. These policies do not add coverage.Who is the best Medicare Supplement provider? ›
- Best Overall: AARP / UnitedHealthcare.
- Most Medigap Plan Types: Blue Cross Blue Shield.
- Best Medigap High-Deductible Plan G Provider: Mutual of Omaha.
- Lowest Cost High-Deductible Plan G: Humana.
- Best for Financial Strength: State Farm.
A Medicare Advantage plan may be a better choice if it has an out-of-pocket maximum that protects you from huge bills. Regular Medicare plus a Medigap insurance plan generally allows you more choice in where you receive your care.What is the primary benefit of supplemental health insurance? ›
Supplemental health insurance was created to help workers offset rising out-of-pocket expenses due to: The growing prevalence of high-deductible health plans (HDHPs) Fill the gaps from medical plans that fall short of the total costs associated with the diagnosis and treatment of a major illness or injury.
Which is an example of a supplemental health insurance policy? ›
For example, consumers can purchase supplemental cancer insurance to help pay for cancer-related screenings and treatments. Women can buy supplemental insurance for pregnancy to defray costs of prenatal care, labor and the birth of a baby.What are supplemental benefits? ›
A supplemental benefit is a payment from an employer to an employee to make up the difference between their regular wage and the benefit paid by Paid Family and Medical Leave. This could be salary continuation, or paid time off (PTO).What happens when you have 2 insurances? ›
If you have multiple health insurance policies, you'll have to pay any applicable premiums and deductibles for both plans. Your secondary insurance won't pay toward your primary's deductible. You may also owe other cost sharing or out-of-pocket costs, such as copayments or coinsurance.Which insurance is primary when you have two? ›
If you have two plans, your primary insurance is your main insurance. Except for company retirees on Medicare, the health insurance you receive through your employer is typically considered your primary health insurance plan.