Aflac Supplemental Insurance (2024)

FAQs

How much does aflac supplemental insurance cost? ›

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.

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.

If you own an Aflac policy, your cash benefits can be used to help pay your deductible and any leftover medical bills, the mortgage or rent, utilities or other expenses you may have.

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 ...

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.

One of the most significant drawbacks of supplemental insurance policies is the coverage limits. For instance, with Mechanical Repair Coverage, you'll typically need to pay out of pocket until your deductible is met on your primary policy before supplemental insurance takes over to cover a costly vehicle repair.

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.

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.

What will Aflac pay me for? ›

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

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.

Yes. Pays $25 for visits (including telemedicine) to a physician, psychologist or urgent care center. Limited to 3 visits per calendar year, per policy.

Supplemental policies typically pay a set amount of money to you either in a lump sum or in weekly or daily installments. You can use this money to pay for food, lodging or medical costs not covered by your main health insurance, such as your deductible, copay and coinsurance.

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.

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.

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. It's important to note that Aflac offers both payroll-deducted and personal accident insurance.

Aflac offers final expense insurance

Final expense insurance can help provide peace of mind for seniors and their beneficiaries by helping loved ones pay for final expenses. Plus, lower premiums and simplified underwriting make these policies good options for those who need more reasonable coverage quickly.