Aflac Supplemental Insurance (2024)

FAQs

What does supplemental insurance cover? ›

An additional insurance plan that helps pay for health care costs that are not covered by a person's regular health insurance plan. These costs include copayments, coinsurance, and deductibles.

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

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.

For example, it may not cover all the expenses you expected it to, it may impose waiting periods before payments start, or it may contain limits based on how much you paid and for how long. It is important to understand that supplemental insurance is not regulated by the Affordable Care Act.

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

Major Diagnostic Exams Aflac will pay $150 when a covered person requires one of the following exams for a covered sickness: • CT scan • MRI (magnetic resonance imaging) • EEG (electroencephalogram) • Thallium stress test • Myelogram • Angiogram • Arteriogram These exams must be performed in a hospital, doctor's office ...

Aflac is a financially sound and competitively priced insurer that provides a wide range of term and whole life policies and riders, adding more flexibility for consumers.

SPeCifieD-DiSeaSe initiaL Benefit: While coverage is in force, if a Covered Person is first diagnosed, after the Effective Date of the rider, with any of the covered Specified Diseases, Aflac will pay a benefit of $1,000.

What happens to my Aflac if I quit my job? ›

As you know, your Aflac Group coverage (that you purchased during your employer's enrollment) is portable. That means you can keep your valuable Aflac coverage even if you leave your employer. This includes dependent coverage that is in effect on the date your employment terminates.

However, short-term disability can be a valuable asset for almost anyone wanting a safety net if they become ill or injured for a few weeks to a few months. Ask your employer if they offer Aflac short-term disability insurance and apply immediately to give yourself extra financial security.

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.

$100 Aflac will pay $100 when a covered person requires one of the following exams, with or without biopsy, and a charge is incurred: arthroscopy, bronchoscopy, colonoscopy, cystoscopy, gastroscopy, laparoscopy, laryngoscopy, sigmoidoscopy, or esophagoscopy.

Disability caused by 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.

Supplemental health insurance typically covers services that your other health plan does not — such as dental or vision costs. Because chances are, your medical insurance plan isn't going to cover everything. Completing your coverage with supplemental plans can save you money and help protect against unexpected costs.

Supplemental policies may improve the medical coverage you already have. They may cover a different set of services, such as dental care. They may also function in different ways, such as paying out a set price if you need treatment, rather than paying a percentage of the medical bill.

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.