Aflac Supplemental Insurance (2024)

The plans advertised herein offer supplemental insurance coverage and are not major medical insurance plans.

*The Aflac insurance plans summarized on this page provide brief product overviews only. Coverage may not be available in all states including but not limited to ID, NJ, NM NY & VA. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. The policies have limitations and exclusions that may affect benefits payable. Refer to the specific policies and riders for complete details, limitations, and exclusions. For costs and complete details of the coverage, please contact your local Aflac agent.

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 Benefits Solutions, Inc.

Aflac Plans
Accident - In Delaware, Policies A371AA & A371BA. In Idaho, Policy A37000ID. In Oklahoma, Policy A37000OK. In Virginia, Policies A371AAVA & A371BAVA.

Cancer - In Delaware, Policies B70100DE, B70200DE & B70300DE. In Idaho, Policies B70100ID, B70200ID, B70300ID, B7010EPID, B7020EPID. In Oklahoma, Policies B70100OK, B70200OK, B70300OK, B7010EPOK, B7020EPOK. In Virginia, policies A75100VA–A75300VA.

Critical Illness - In Delaware, Policies B71100, B71200, B7130H & B7140H. In Oklahoma, Policies B71100OK, B71200OK, B7130HOK & B7140HOK. In Oregon, Policies B71100OR, B71200OR, B7130HOR & B7140HOR.

Life - B60000 Series - In Arkansas, Idaho, Oklahoma, Pennsylvania, Texas, & Virginia, Policies: ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400. Group Whole Life - In Arkansas, Delaware & Oregon, Policy Q60100M. In Idaho Policy Q60100MID. In Oklahoma, Policy Q60100MOK. In Pennsylvania, Policy Q60100MPA. In Texas, Policy Q60100MTX. Group Term Life - In Delaware, Policies Q60200M. In Arkansas, Idaho, Oklahoma, Oregon & Texas, Policies ICC18Q60200M, ICC18Q60300C, ICC18Q60400C.

Hospital - In Delaware, Policies B40100DE & B4010HDE. In Idaho, Policies B40100ID & B4010HID. In Oklahoma, Policies B40100OK & B4010HOK. In Virginia, Policies B40100VA & B4010HVA.

Short-Term Disability - In Delaware, Policies A57600DE & A57600LB. In Idaho, Policy A57600IDR. In Oklahoma, Policies A57600OK & A57600LBOK. In Virginia, Policies A57600VA & A57600LBVA.

Supplemental Dental - In Delaware, Policies A82100R–A82400R. In Idaho, Policies A82100RID–A82400RID. In Oklahoma, Policies A82100ROK–A82400ROK. In Virginia, Policies A82100RVA–A82400RVA.

Supplemental Vision - In Delaware, Policy VSN100. In Idaho, Policy VSN100ID. In Oklahoma, Policy VSN100OKR. In Virginia, Policy VSN100VA.

Coverage is underwritten by American Family Life Assurance Company of Columbus and/or American Family Life Assurance Company of New York

Tier One Plans
Accident - In Delaware, Policy T37000. In Idaho, Policies T37100IDR, T37200IDR, & T37300IDR. In Oklahoma, Policy T37000OK. In Virginia, Policies T37100VA, T37200VA, T37300VA, T37400VA, T37600VA.

Cancer - In Delaware, Policy T70000. In Idaho, Policy T70000ID. In Oklahoma, Policy T70000OK. In Virginia, policies T70000VA & T70000GVA.

Critical Illness - In Delaware, Policy T71000. In Oklahoma, Policy T71000OK. In Virginia, Policy T71100VA.

Dental, Vision, Hearing -In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK.

Final Expense - In Arkansas, Delaware, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, & Virginia, Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22.

Coverage is underwritten by Tier One Insurance Company.

This is a brief product overview only. Coverage may not be available in all states,including but not limited to ID, NJ, NM, NY, or VA. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Plans and riders may also contain a waiting period. Refer to the exact plans and riders for benefit details, definitions, limitations and exclusions. For availability and costs, please contact your local Aflac agent/producer.

NOTICE: Dental and Vision benefits are not considered minimum essential coverage for pediatric dental or vision plans with the Affordable Care Act (ACA). Aflac insurance plans are not an alternative for comprehensive health insurance.

Aflac's family of insurers American Family Life Assurance Company of Columbus and/or American Family Life Assurance Company of New York, and/or Tier One Insurance Company. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (Tier One NAIC 92908).

Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999

Aflac New York | 22 Corporate Woods Boulevard, Suite 2 | Albany, NY 12211

1 Cancer insurance is also known as Specified-Disease Insurance in some states.

2 Trupanion policies are sold and administered by Trupanion Managers USA, Inc. (“TMUI”) (licenses available here), and are underwritten by American Pet Insurance Company (“APIC”), with its main office at 6100 4th Ave S, Seattle, WA 98102. Aflac Benefits Advisors, Inc. (d/b/a Aflac Insurance Solutions), a subsidiary of Aflac Incorporated and a licensed insurance producer (NPN 16512385), has limited authority to advertise Trupanion policies, does not intend to sell, solicit, or negotiate policies on behalf of APIC, does not have authority to bind coverage on behalf of APIC, and may receive compensation from TMUI for insurance policies sold by TMUI further to a referral from Aflac Benefits Advisors, Inc. Aflac Benefits Advisors, Inc. does not have authority to sell, solicit, or negotiate insurance policies in Puerto Rico. TMUI, APIC, and their affiliates are separate, independent of, and distinct from Aflac Benefits Advisors, Inc. Terms and conditions including limitations and exclusions apply. Availability and qualification for coverage, terms, rates and discounts may vary by jurisdiction. See the full policy for details. Information you provide to TMUI is subject to Trupanion’s privacy policy and website terms of use, and may be shared with Aflac Benefits Advisors, Inc.

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Aflac Supplemental Insurance (2024)

FAQs

What does Aflac supplemental cover? ›

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.

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.

What will Aflac pay me for? ›

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

How much will Aflac pay for outpatient surgery? ›

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.

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.

Why is it not good to have supplemental insurance? ›

Coverage Limits

Additionally, unlike primary insurance policies, supplemental insurance policies can deny coverage based on your health status or whether or not you have any preexisting conditions.

Why do people buy supplemental insurance? ›

Supplemental insurance can help you cover the part of your medical bill that you're responsible for. Many policies pay out directly to you. That means you can also use your supplemental coverage to replace income if you can't work or to pay for hotels and food.

What is the best alternative to aflac? ›

Best Paid & Free Alternatives to Aflac Incorporated
  • Lumity Benefits Solution.
  • Insperity.
  • ADP Comprehensive Services.
  • Deloitte Consulting.
  • Lever Talent.
  • ADP Workforce Now Comprehensive Services.
  • Mercer.
  • OutSail.

How much does Aflac pay for MRI? ›

$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.

Can Aflac help you when you're not working? ›

Aflac Short-Term Disability Insurance can help provide income protection while you are unable to work due to a covered sickness, injury or mental health condition so you can focus on recovery.

How much does Aflac pay for a mammogram? ›

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.

How much is aflac supplemental insurance? ›

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.

Does Aflac pay for CT scans? ›

MAJOR DIAGNOSTIC AND IMAGING EXAMS BENEFIT: Aflac will pay $200 when a Covered Person requires one of the following exams for Injuries sustained in a covered accident and a charge is incurred: computerized tomography (CT scan), computerized axial tomography (CAT), magnetic resonance imaging (MRI), or ...

Is it good to have Aflac? ›

Our Conclusion on Aflac Insurance

Aflac has a solid A+ A.M. Best rating, meaning it is well-positioned to pay out benefit claims.

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.

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.

What's the difference between disability insurance and supplemental insurance? ›

While group long-term disability insurance can serve as a good foundation for protection, it may not be enough to support you and your family if you became too sick or injured to work – leading to a big gap between income and expenses. Supplemental disability insurance will help cover more of your income.

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