Aflac Supplemental Insurance (2024)

FAQs

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.

Aflac pays cash benefits for covered accidental injuries directly to you, unless assigned. Your own peace of mind and the assurance that your family will have help financially are powerful reasons to consider Aflac. The financial impact of an accident is often surprising.

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.

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 12 months prior to the most recent Effective Date of your insurance, incurred expenses, received medical treatment, took prescribed drugs ...

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.

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

Aflac can help provide you and your family with coverage and security to help maintain your everyday lifestyle in case of illness or injury. And, Aflac rates don't go up even when you file a claim. AFLAC PROCESSES CLAIMS QUICKLY USUALLY WITHIN 4 DAYS.

$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.

Pays $25 for visits (including telemedicine) to a physician, psychologist or urgent care center. Limited to 3 visits per calendar year, per policy. Limited to 6 visits per calendar year, per policy. Laboratory test and X-ray benefit Pays $35; limited to 2 payments per covered person, per calendar year.

The IRS doesn't allow you to deduct premiums you pay to maintain accident insurance coverage. The payout may be taxable if you have accident insurance through your employer and the employer pays for your coverage.

What will Aflac pay me for? ›

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

Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either.

After the waiting period, we will pay a $200 mammography benefit once per calendar year for mammography tests.

Supplemental insurance is advisable for those with Medicare to help cover out-of-pocket costs and gaps in coverage, offering financial protection for deductibles, coinsurance, and other medical expenses not fully covered by Medicare.

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.

Adding individual-owned disability income insurance to disability coverage you have through work helps protect more of your income by filling in the gaps. Having supplemental disability insurance equips you to be better prepared financially and protect more of your earnings.

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.