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
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.
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.
What does Aflac not cover? ›
We will not pay benefits for confinement to an observation unit, or for emergency room treatment or outpatient treatment.
What will Aflac pay me for? ›
Aflac can help pay for ambulance trips, physical therapy, CT Scans, MRIs, confinement, blood transfusions, and medical appliances.
Is it worth getting supplemental insurance? ›
Who buys supplemental insurance coverage and why? You may be a right fit for additional insurance coverage if you: Have a family history of certain types of diseases, such as cancer, heart disease, stroke, etc. Want additional financial protection in the event of unexpected accidents or injuries.
What is typically covered by supplemental plan? ›
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.
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.
This plan can help meet your financial obligations, such as medical bills, and uncovered expenses, as well as mortgage payments and other ongoing living expenses.
Will Aflac cover 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.
How much does Aflac pay for an MRI? ›
AND IMAGING
$150 Aflac will pay $150 per calendar year when a covered person requires one of the following exams and a charge is incurred: CT scan, MRI (magnetic resonance imaging), EEG (electroencephalogram), thallium stress test, myelogram, angiogram, or arteriogram.
Each calendar year (Jan-Dec), you and your covered dependents have access to a $50 payout for having any of these tests—you just need to submit a claim.
Does Aflac pay for missed work days? ›
If your covered Sickness or covered Off-the-Job Injury causes you to be unable to perform the duties of any occupation for which you are or become qualified by reason of education, training, or experience within 90 days of such covered Sickness or covered Off-the-Job Injury, as certified by a Physician, we will pay you ...
What is supplemental coverage option? ›
The Supplemental Coverage Option (SCO) is a county-level crop insurance option that provides additional coverage for a portion of a producer's underlying crop insurance policy deductible.
What does supplemental mean in an insurance claim? ›
A supplemental claim adds the newly found damage or additional cost to the original claim. The insurance company may send out an adjuster to review the new damage or tell you to document it with pictures and video on your own, but you should not repair the damage until it has been documented.
Does Aflac pay for 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.
Is Aflac dental worth it? ›
Dental insurance is worth it if you are looking for additional support for minor and major dental procedures. With an Aflac dental insurance plan, the costs of cleanings, crowns, bridges, and implants can be significantly minimized. For some of our basic and preventative services, there is little to no waiting period.
