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.

Aflac has a Superior rating from AM Best, representing its ability to pay out claims. While that should instill confidence in policyholders, consumers may be left wanting more out of the customer experience. According to data from the NAIC, Aflac has a higher-than-average volume of customer complaints.

As is true for all supplemental policies, these plans are not adequate as stand-alone health coverage, as they can leave you with unlimited out-of-pocket costs in the event of a serious medical condition.

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.

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.

How much does Aflac pay for MRI? ›

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 ...

AFLAC IS INSURANCE FOR EVERYDAY LIVING. IT HELPS WITH EXPENSES THAT HEALTH INSURANCE ISN'T DESIGNED TO COVER. Aflac is portable even if there is an employment change. Major medical isn't transferable when changing jobs or unemployed.

We will not pay benefits for confinement to an observation unit, or for emergency room treatment or outpatient treatment.

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, ...

Accident insurance works alongside your primary medical plan to help minimize those out-of-pocket expenses. This is one of the many reasons supplemental accident insurance is worth it.

Is supplemental insurance worth it? Supplemental insurance is worth it if you need extra life insurance coverage and your group plan charges a reasonable premium. Supplemental insurance is especially valuable if you have health issues and would struggle to qualify for your own individual policy.

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.