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)
FAQs
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.
Does Aflac deny pre existing conditions? ›
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.
Does Aflac really pay out? ›
Aflac pays policyholders directly,
unless otherwise assigned, to help with out-of-pocket expenses such as: Travel costs for treatment. Mortgage or bill payments while out of work.
How much is aflac supplemental insurance? ›
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.
What is a good amount of supplemental life insurance? ›
How Much Supplemental Life Insurance Do I Need? Financial experts and insurance companies recommend having seven to 10 times your annual salary in life insurance, so if you earn $75,000 per year, the guideline would be $525,000 to $750,000 in coverage.
What is the average cost of a supplemental plan? ›
The average Medicare Supplement plan costs in every state
| State | Monthly Cost | Rank from least expensive (1) to most expensive (51) |
|---|
| California | $162.93 | 45 |
| Colorado | $127.76 | 29 |
| Connecticut | $227.06 | 49 |
| Delaware | $150.99 | 42 |
28 more rowsOct 4, 2023
Pre-Existing Conditions Limitation: Aflac will not pay benefits for any period of disability that results, directly or indirectly, from Sickness or Injury for which you, during the six months prior to the most recent Effective Date of your insurance, incurred expenses, received medical treatment, took prescribed drugs ...
How much does Aflac pay for MRI? ›
ACCIDENT-ONLY MAJOR DIAGNOSTIC AND IMAGING EXAMS BENEFIT: Aflac will pay $150 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 will Aflac pay for outpatient 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 far back will Aflac pay? ›
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.
Best Paid & Free Alternatives to Aflac Incorporated
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Supplemental health insurance plans are health care plans used to cover anything above and beyond basic medical coverage. These plans provide extra medical coverage and can also be used to contribute to other costs not covered by your primary insurance plan such as copayments, coinsurance, and deductibles.
What illnesses are covered by Aflac? ›
The Aflac Group Critical Illness plan benefits include:
- • Critical Illness Benefit payable for:
- – Cancer.
- – Heart Attack (Myocardial Infarction)
- – Stroke.
- – Kidney Failure (End-Stage Renal Failure)
- – Major Organ Transplant.
- – Bone Marrow Transplant (Stem Cell Transplant)
- – Sudden Cardiac Arrest.
There are many different types of supplemental health insurance, including vision, dental, hospital, accident, disability, long-term care, and Medicare supplemental plans.
Why would a person consider supplemental insurance? ›
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.
Who needs supplemental insurance the most? ›
People at high risk for conditions such as heart disease, stroke and cancer should consider critical illness insurance. These plans help pay the costs associated with serious illnesses such as cancer and heart disease. The plans pay a lump sum for diagnoses specifically listed in the policies.
What age should you get supplemental insurance? ›
If you are 65 or older, you may be able to purchase a Medicare Supplement insurance plan during the Medicare Supplement Open Enrollment Period. This period lasts for six months and begins on the first day of the month in which you are both 65 or older and enrolled in Medicare Part B.
Is Supplemental income Protection worth it? ›
If you are looking for more protection, consider adding extra coverage on top of your group long term or individual disability plan. Supplemental disability insurance can be a great add-on for employees who wish to protect a greater percentage of their income, bonuses or commissions.
