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.

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.

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

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

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.

Some supplemental health insurance plans cover specific services, such as cancer treatments. Others may help reduce the financial burden of a major illness or accident by providing a lump-sum of money that you can use for medical treatments or household expenses.

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.

Aflac policies are considered HIPAA excepted benefits because they are not major medical health insurance. This means they're offered separately from major medical coverage and are not an integral part of an individual's health plan.

What bills does Aflac cover? ›

This plan can help meet your financial obligations, such as medical bills, and uncovered expenses, as well as mortgage payments and other ongoing living expenses.

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.

A supplemental policy like critical illness insurance can pay you a lump sum payout if you're diagnosed with certain medical conditions. This money can be used for any purpose, including medical bills, transportation, childcare, food or housing.

AND IMAGING

$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.

Each calendar year (Jan-Dec), you and your covered dependents have access to a $50 payout for having any of these tests—you just need to submit a 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.

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.

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.

Adding individually owned disability income insurance to the disability coverage you have through work helps protect more of your income. Supplemental disability insurance replaces a percentage of your complete salary minus other existing disability insurance.