Aflac Supplemental Insurance (2024)

FAQs

What does supplemental insurance cover? ›

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.

Aflac can help pay for ambulance trips, physical therapy, CT Scans, MRIs, confinement, blood transfusions, and medical appliances.

Aflac Medicare Supplement insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated, and is administered by Aetna Lie Insurance Company. Plans are not available in all states.

Your employer is providing BenExtend to help with out-of-pocket medical and non-medical expenses. This supplemental insurance product pays cash benefits directly to you (unless otherwise assigned) for covered accidental injuries, critical illnesses and hospitalizations.

Supplemental insurance can complement a variety of health insurance plans by providing specific coverage for accident, cancer, critical illness, hospital, short-term disability, dental, and vision. We can help provide support in one or multiple of these areas.

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.

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

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.

As a leading supplemental insurance provider, American Family Life Assurance Company has a strong financial standing. The company's recent rating is A+ by the Better Business Bureau and A+ (Superior) by A.M Best as of 2022. Aflac was ranked 126th in the Fortune 500 in 2017.

What is typically covered by supplemental plan? ›

Supplemental policies can offer coverage for a range of critical illnesses. In addition, there may be separate policies for certain kinds of illness, such as cancer insurance or heart attack and stroke insurance.

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 ...

We will pay the amount shown when, because of a covered accident, you are injured and those injuries cause confinement to a hospital for at least 24 hours within 90 days after the accident date. The maximum period for which you can collect the Hospital Confinement Benefit for the same injury is 365 days.

With Aflac Always, your benefits are protected through automatic payments even if you change jobs, your employer stops providing payroll deductions for your premium or you retire. You choose how you pay. Select how your premiums are paid (e.g., bank draft) and when. It's ready to go to work for you, 24/7.

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. Aflac will not pay benefits for a Disability that is being treated outside the territorial limits of the United States.

With Medicare Supplement Plan F, you get the most complete coverage available. And because Plan F also covers costs in excess of Medicare-approved amounts, you may have no out-of-pocket costs for hospital and doctor's office care.

Supplemental insurance can provide a lump sum payout to beneficiaries when you pass away and may offer living benefits like cash value that you can use for living expenses and additional coverage if you have a tragic accident.