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

Is Aflac considered a supplemental insurance? ›

Feel confident in your coverage by working with Aflac, one of the leading supplemental health insurance companies in the industry.

What does supplemental insurance cover? ›

Supplemental insurance is coverage that you can buy in addition to your primary health plan. These policies can help provide coverage for certain kinds of illnesses, accidents and injuries, and life insurance.

What will Aflac pay me for? ›

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

What does Aflac not cover? ›

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

Will Aflac cover 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.

Are supplemental insurance policies worth it? ›

Is supplemental insurance worth it? Depending on your expected needs and budget, supplemental insurance could be a worthwhile purchase. The first step is to consider your major medical coverage, and determine whether your current plan fits your needs better than others.

What is the average cost of a supplemental plan? ›

The average Medicare Supplement plan costs in every state
StateMonthly CostRank from least expensive (1) to most expensive (51)
California$162.9345
Colorado$127.7629
Connecticut$227.0649
Delaware$150.9942
29 more rows
Oct 4, 2023

Why do people buy supplemental insurance? ›

Supplemental health insurance is a product that's designed to help protect people from out-of-pocket expenses that often accompany unexpected health events. This coverage is meant to be purchased in addition to primary health insurance—not replace it—and it pays benefits regardless of other plans.

What is the best alternative to Aflac? ›

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

How much will Aflac pay for 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.

How much does Aflac pay for an MRI? ›

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 ...

What expenses does Aflac cover? ›

Your Aflac benefits check helps you pay for the many out-of-pocket expenses you incur when you are sick or hurt-like the cost of transportation to and from medical facilities, parking, and additional child-care expenses.

Will Aflac pay for past medical bills? ›

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.

What is Aflac good for? ›

Aflac supplemental insurance provides an additional layer of financial protection for your employees and their families in the event of a serious accident or illness. For over 60 years, we've focused on giving customers the best supplemental insurance experience possible.

What is Aflac considered? ›

Aflac is voluntary insurance, or an optional layer of financial protection. And with healthcare costs on the rise, more Americans than ever are seeking an extra financial safety net for unexpected medical expenses.

Which is an example of a supplemental insurance plan? ›

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.

What is considered supplemental life insurance? ›

Supplemental life insurance is an extra policy designed to fill gaps in your primary life insurance coverage. It's often offered by employers to enhance their basic group life insurance. Supplemental coverage is typically employee-paid, meaning you cover the premium costs.

Can I deduct Aflac premiums on my taxes? ›

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.

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