*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.
**Pet Insurance: Trupanion policies are sold and administered by Trupanion Managers USA, Inc. (“TMUI”) (licenses available here), and are underwritten by American Pet Insurance Company (“APIC”), with its main office at 6100 4th Ave S, Seattle, WA 98102. Aflac Benefits Advisors, Inc. (d/b/a Aflac Insurance Solutions), a subsidiary of Aflac Incorporated and a licensed insurance producer (NPN 16512385) (California License #0H86831), has limited authority to advertise Trupanion policies, does not intend to sell, solicit, or negotiate policies on behalf of APIC, does not have authority to bind coverage on behalf of APIC, and may receive compensation from TMUI for insurance policies sold by TMUI further to a referral from Aflac Benefits Advisors, Inc. Aflac Benefits Advisors, Inc. does not have authority to sell, solicit, or negotiate insurance policies in Puerto Rico. TMUI, APIC, and their affiliates are separate, independent of, and distinct from Aflac Benefits Advisors, Inc. Terms and conditions including limitations and exclusions apply. Availability and qualification for coverage, terms, rates and discounts may vary by jurisdiction. See the full policy for details. Information you provide to TMUI is subject to Trupanion’s privacy policy and website terms of use, and may be shared with Aflac Benefits Advisors, Inc.
“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
FAQs
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 meant by supplemental insurance? ›An additional insurance plan that helps pay for healthcare costs that are not covered by a person's regular health insurance plan. These costs include copayments, coinsurance, and deductibles.
Does Aflac pay for 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.
What will Aflac pay for? ›Aflac pays cash benefits directly to you (unless you specify otherwise) to help with things like out-of-pocket medical expenses, the rent or mortgage, groceries, or utility bills. Helping you with the medical expenses that major medical doesn't cover—and much more.
Are supplemental insurances worth it? ›Supplemental health insurance is worth it for some people, but it depends on your current health, existing health insurance plan, financial situation and what types of coverage you think you might need in the future.
What is the best known supplemental plan? ›Best Medicare Supplement plan for new enrollees: Plan G
Plan G is the most popular Medicare Supplement plan for new enrollees. However, rates can be expensive, averaging $145 per month.
Supplemental insurance is coverage that you can buy in addition to your primary health plan. These policies can help provide coverage for certain kinds of illnesses, accidents and injuries, and life insurance. Supplemental health policies are different from traditional health plans .
How much does Aflac pay for 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.
Will Aflac cover surgery? ›This benefit is limited to one payment per calendar year, per covered person. No lifetime maximum. Surgical Benefit Aflac will pay $100–$2,000 when a covered person has surgery performed for a covered sickness in a hospital or ambulatory surgical center based upon the Schedule of Operations in the policy.
How long do you have to have Aflac before you can use it? ›Both the policy and the rider must remain in force for five consecutive years for you to be eligible for the Aflac Value Benefit. If the rider is issued after the Effective Date of the policy, the initial consecutive five-year period begins on the rider Effective Date.
Does Aflac pay you for colonoscopy? ›
Some Aflac insurance plans—including critical illness, accident and hospital coverage—may include wellness benefits, paying your employees for out-of-pocket expenses that could include health screening tests performed as a part of preventive care, such as diagnostic procedures like colonoscopies.
Does Aflac cover pre existing conditions? ›A. Disability caused by a Pre-existing Condition or reinjuries to a Pre-existing Condition will not be covered unless it begins more than 12 months after the Effective Date of coverage.
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.
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.
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.
Can I keep Aflac when I retire? ›Can I continue my AFLAC, American Fidelity and/or Western insurance coverage after I retire? Yes, but you will need to contact the applicable company directly to make arrangements for payment: American Fidelity 775-829-1313.
Which occurs when a physician in the community refers a patient? ›A “direct admission” occurs when a physician in the community refers a patient to the hospital for observation, bypassing the clinic or emergency department (ED).
Which occurs when a physician in the community refers a patient to the hospital for observation bypassing the clinic? ›Direct Admission to Observation Status
A direct admission occurs when a physician in the community refers the member to the hospital for observation, bypassing the clinic or emergency department.
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.
Why do I need supplemental health insurance? ›With a supplemental health insurance plan, you get extra protection that helps pay for covered accidents and unexpected critical illnesses. This coverage also can help you pay for those other non-medical expenses that go along with an injury or serious illness.
How does supplemental life insurance work? ›
Supplemental life insurance is extra coverage you can buy at work or through an organization. It can cost less than individual insurance, and you may not have to answer health questions to qualify for the coverage or determine how much you pay for premiums. However, you could lose your coverage if you leave your job.
Is Aflac considered health insurance? ›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.
How long do you have to have Aflac before you can use it? ›Both the policy and the rider must remain in force for five consecutive years for you to be eligible for the Aflac Value Benefit. If the rider is issued after the Effective Date of the policy, the initial consecutive five-year period begins on the rider Effective Date.
Does Aflac work with Medicare? ›Almost everyone has seen the beloved Aflac duck on television. After 65 years of providing financial protection, Aflac now has a Medicare supplement plan available to clients. Clients are able to take their coverage with them as they travel and policy renewals are automatic each year.
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.
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 surgery? ›No lifetime maximum. Surgical Benefit Aflac will pay $100–$2,000 when a covered person has surgery performed for a covered sickness in a hospital or ambulatory surgical center based upon the Schedule of Operations in the policy.
Does Aflac cover pre existing conditions? ›A. Disability caused by a Pre-existing Condition or reinjuries to a Pre-existing Condition will not be covered unless it begins more than 12 months after the Effective Date of coverage.
How much does Aflac pay for colonoscopy? ›Aflac will pay $75 per calendar year when a charge is incurred for one of the following: breast ultrasound, biopsy, flexible sigmoidoscopy, hemocult stool specimen, chest X-ray, CEA (blood test for colon cancer), CA 125 (blood test for ovarian cancer), PSA (blood test for prostate cancer), thermography, colonoscopy, or ...
Can I keep Aflac after 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.
What does Aflac cover for Covid? ›
Tests for COVID-19, as well as other laboratory tests, may be covered as a wellness or health screening benefit under your Aflac policies/certificates. However, without a diagnosis, Aflac is unlikely to pay as a covered illness or injury.
Can senior citizens get Aflac? ›Aflac offers network coverage for anyone 18 to 70 years old, making our plans a smart choice for seniors to take advantage of. We offer affordable coverage for preventative care, restorative services, and dental emergencies.
Can retirees get Aflac? ›Many of Aflac's life insurance policies may be able to help you reach your retirement goals.
Does Aflac have long term disability? ›Aflac Group Long Term Disability - YouTube
Does Aflac still have one day pay? ›If an eligible claim is submitted via SmartClaim by 3 p.m. ET, Monday-Friday, with all supporting documentation, Aflac processes, approves and disburses payment for the claim within one business day.
How much does Aflac pay for being admitted to the hospital? ›Treatment or confinement in a U.S. government hospital does not require a charge for benefits to be payable. $1,000 Aflac will pay a Hospital Confinement Benefit of $1,000 when a covered person requires hospital confinement for 23 or more hours for a covered sickness or accidental injury and a charge is incurred.
How much does Aflac pay for an EKG? ›Major Diagnostic Exams Aflac will pay $150 when a covered person requires one of the following exams for a covered sickness: • CT scan • MRI (magnetic resonance imaging) • EEG (electroencephalogram) • Thallium stress test • Myelogram • Angiogram • Arteriogram These exams must be performed in a hospital, doctor's office ...