Everything you Could Possibly want to Know about Aflac’s Wellness Benefits (2024)

When most people sign up forAflac, it’s a safety net. It’s for the peace of mind that if something goes wrong, you’ll have assistance in paying for it, but Aflac offers more than that.

Wellness with Aflac variesdepending on the plan you have, but generally refers to screenings, tests, and immunizations in order to test for or prevent illness and disease.Unless otherwise specified,Aflac willpay youto$50 for wellness exams each benefit year, this, of course, stacks with any wellness benefits you receive from your healthcare provider or the city.

How it Works

Wellness benefits aren’t reimbursem*nts—they're payouts. That might sound like a semantic difference, but it isn’t.By having any of theprocedures listed below done, regardless of how much you paid out of pocket, Aflac will pay you a flat rate.

All you need to do, besides getting thetestis send your claim and therelevant infoin to[emailprotected]and then we’ll take it from there.

Accident

Aflac’s accident plan covers you in case of… well, accidents. Coverage includes ambulance rides, emergency room visits, prescriptions, major diagnostic tests, and more.The accident planalso providesadditional coverage forscreenings,tests, and inoculations. Below is a list ofsome of the morecommoncoveredtests, for a fulllistclick here and scroll to page 8.

Each calendar year (Jan-Dec), youand your covered dependentshave access toa$50payoutforhaving anyof these tests—you just need tosubmita claim.

CriticalIllness

Aflac’s Critical Illness plan covers you in case you are diagnosed with a critical illness, but it also provides you with wellness testing so you can catch a critical illness before it becomes a problem.

Under the Critical Illness explanation of benefits, the following types of wellness coverage are listed as “health screening benefits” and largely relate to detecting the problems that the CriticalIllness plan covers.Some of the coveredscreeningsare:

If you'd like to see a full list, click here and scroll to page 5.

Much like the accident plan, the policy holderreceives$50in benefitsforhaving any ofthelisted screenings.Mammograms, on the other hand,have a$200payout. This benefitalso is limited to once per calendar year.

These tests apply to both the policy holder andyour covered domestic partner,but not dependents.Dependentsare automaticallyenrolled inyourCritical Illness planand can receive50% of the policy holder’sother payoutsat noadditionalcharge.

In order to receiveyourpayout, you must submit a claim.

Hospital Indemnity

TheHospitalIndemnity planpays out duringhospital confinement, admission, intensive care, and other hospital related charges.Since this plan is designed tohelp cover expenses related to being hospitalized, there is no substantial wellness component. The Hospital Indemnity plan does offerpayouts formammograms.In the case of this plan, the mammogram benefit is limited to $100 and can pay out once per year.

In order to receive the $100, you must submit a claim.

Makingthemost out of yourPlans

When you’re signed up for multiple plans, you can “double-dip” your coverage. This essentially means that anytime you see the same test or item show up twice, you can receive a double payout for that screeningas long as you haven’t used that benefit already.

Take for example a colonoscopy. If you are signed up for both the Accident plan and the Critical Illness plan, you will receive a $100 payout for havingthe onecolonoscopy. The same goes forapapsmear,COVID-19 testing,mammograms, and bloodwork.

It’s also important to know that it is never too late to file a claim.As long asyouhadcoverage at the time of your wellness screening, you can receive your payout! This evenincludespeople who no longer have coverage.

Signing Up for Aflac

Aflac’s open enrollment period begins in April, but our Aflac specialists can pre-enroll you for coverage today.In order todo so, reach out to Will Stover ([emailprotected]or Chris Judy ([emailprotected]), they can help get you set up, go over specificcoverage,rates, andhelpyou make the best decision when it comes to receiving care.

If you’d like to read more about ourAflacplans,clickhere.

If you have other questions, you can contact us directly by emailing us at:[emailprotected]or calling us at 888-315-8027.