Aflac Supplemental Insurance (2024)

FAQs

What does Aflac supplemental insurance cover? ›

Cancer — Critical Care — Accident — Hospitalization

Aflac helps with expenses health insurance doesn't cover. Cash benefits are paid directly to you. Coverage is portable because you own the policies. Learn about Aflac coverage for ACC employees.

There are many different types of supplemental health insurance, including vision, dental, hospital, accident, disability, long-term care, and Medicare supplemental plans. There are also supplemental health insurance plans for specific conditions, such as cancer, stroke, or kidney failure.

Your Aflac benefits check helps you pay for the many out-of-pocket expenses you incur when you are sick or hurt-like the cost of transportation to and from medical facilities, parking, and additional child-care expenses.

Many Aflac policies range anywhere from $8 to $25 or more per month. You can contact Aflac directly for more information on specific supplemental insurance plans that pique your interest.

For many, supplemental health coverage can be a cost-effective way to help with out-of-pocket costs. Here are a few of the advantages to supplemental health insurance plans: They typically come with affordable monthly premiums. They can offer financial support when you experience unexpected medical situations.

Prudential Financial, Inc.

(NYSE:PRU) is one of the best alternatives to Aflac with 18 million customers on board. Prudential Financial, Inc. (NYSE:PRU) provides a range of supplemental health benefits. The company provides coverage for accidents, critical illness, and hospital indemnity.

Some supplemental health insurance plans cover specific services, such as cancer treatments. Others may help reduce the financial burden of a major illness or accident by providing a lump-sum of money that you can use for medical treatments or household expenses.

Aflac policies are considered HIPAA excepted benefits because they are not major medical health insurance. This means they're offered separately from major medical coverage and are not an integral part of an individual's health plan.

Aflac earned 3 stars out of 5 for overall performance. NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

What plans do Aflac offer? ›

We provide supplemental critical illness, cancer, dental, vision, hospital, short-term disability and accident insurance—so you can choose which category you'd like more support in.

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 ...

Helps with out-of-pocket costs if you experience a covered health event. Provides a lump-sum cash benefit if you're diagnosed and treated for a covered critical illness event. Helps ease the financial burden associated with hospital stays due to a covered accident or illness by providing cash benefits.

Physician Visits Benefit Aflac will pay the amount for the level chosen when a covered person incurs a charge for a physician visit. Services must be under the supervision of a physician. This is a health maintenance benefit; the sickness of a covered person is not required for this benefit to be payable.

ACCIDENT SPECIFIC-SUM INJURIES BENEFITS: When a Covered Person receives treatment under the care of a Physician for Accidental Injuries sustained in a covered accident, Aflac will pay specified benefits ranging from $25– $10,000 for dislocations, burns, skin grafts, eye injuries, lacerations, fractures, concussion, ...

The primary insurance is where health claims are submitted first. The secondary insurance will then pay for whatever remaining costs are eligible for coverage under its health plan. When two health insurance providers work together in this way to provide coverage, this is called coordination of benefits.

Secondary insurance plans work along with your primary medical plan to help cover gaps in cost, services, or both. Supplemental health plans like vision, dental, and cancer insurance can provide coverage for care and services not typically covered under your medical plan.

Take for example a colonoscopy. If you are signed up for both the Accident plan and the Critical Illness plan, you will receive a $100 payout for having the one colonoscopy. The same goes for a pap smear, COVID-19 testing, mammograms, and bloodwork.