Aflac Supplemental Insurance (2024)

1 & 4 Investopedia – HMO. Updated July 22, 2022. https://www.investopedia.com/terms/h/healthinsurance.asp. Accessed Aug 16, 2022.

2 Investopedia – POS. Updated Mar 10, 2022. https://www.investopedia.com/terms/p/pointofservice-plan-pos.asp. Updated Aug 16, 2022.

3 Investopedia – PPO. Updated May 9, 2022. https://www.investopedia.com/terms/p/preferred-provider-organization.asp#. Accessed Aug 16, 2022.

Accident
Accident (35000 series)
In Arkansas, Policies A35100AR – A35200AR & A35B24AR. In Idaho, Policies A35100ID – A35200ID & A35B24ID. In New York, Policies NY35100 – NY35400, NY35B24 & NYB35OF. In Oklahoma, Policies A35100OK – A35200OK & A35B24OK. In Oregon, Policies A35100OR – A35400OR, A35B24OR & A35BOFOR. In Pennsylvania, Policies A35100PA – A35200PA & A35B24PA. In Texas, Policies A35100TX – A35200TX & A35B24TX. In Virginia, Policies A35100VA – A35400VA, A35B24VA & A35BOFVA.
Accident (36000 series)
In Arkansas, Policies A36100AR – A36400AR, & A363OFAR. In Idaho, Policies A36100ID – A36400ID, & A363OFID. In New York, Policies NY36100 – NY36400. In Oklahoma, Policies A36100OK – A36400OK, & A363OFOK. In Oregon, Policies A36100OR – A36400OR, & A363OFOR. In Pennsylvania, Policies A36100PA – A36400PA. In Texas, Policies A36100TX – A36400TX, & A363OFTX. In Virginia, Policies A36100VA – A36400VA, & A363OFVA.
Accident (37000 series)
In Arkansas, Policy A37000AR. In Oklahoma, Policy A37000OK. In Pennsylvania, Policy A37000PA.

Cancer/Specified-Disease
Lump Sum Cancer (72200 series)
In Arkansas, Policy A72200AR. In Idaho, Policy A72200ID. In New York, Policy NYR72200. In Oklahoma, Policy A7200OK, In Oregon, Policy A72200ORR. In Texas, Policy A72200TX. In Virginia, Policy A72200VA.
Cancer (75000 series)
In Virginia, Policies A75100VA through A75300VA.
Cancer (76000 series)
In Arkansas, Policies A76100AR & A761ESAR. In Idaho, Policies A76100ID & A761ESID. In New York, Policies, NY76100 & NY761ES. In Oklahoma, Policies A76100OK & A761ESOK. In Oregon, Policies A76100OR & A761ESOR. In Pennsylvania, Policy A76100PA. In Texas, Policies A76100TX & A761ESTX.
Cancer (78000 series)
In Arkansas, Policies A78100AR – A78400AR. In Idaho, Policies A78100ID – A78400ID. In New York, Policies, NY78100 – NY78400. In Oklahoma, Policies A78100OK – A78400OK. In Oregon, A78100OR – A78400OR. In Pennsylvania, Policies A78100PA – A78400PA. In Texas, Policies A78100TX – A78400TX.
Cancer (B70000 series)
In Arkansas, Policies B70100AR, B70200AR, B70300AR, B7010EPAR, B7020EPAR. In Idaho, Policies B70100ID, B70200ID, B70300ID, B7010EPID, B7020EPID. In Oklahoma, Policies B70100OK, B70200OK, B70300OK, B7010EPOK, B7020EPOK. In Oregon, Policies B70100OR, B70200OR, B70300OR, B7010EPOR, B7020EPOR. In Pennsylvania, Policies B70100PA, B70200PA, B70300PA. In Texas, Policies B70100TX, B70200TX, B70300TX, B7010EPTX, B7020EPTX.

Critical Illness
Lump Sum Critical Illness (73100 series)
In Arkansas, Policies A73100AR & A7310HAR. In Idaho, Policies A73100ID & A7310HID. In New York, Policy NY72100. In Oklahoma, Policies A73100OK & A7310HOK. In Oregon, Policies A73100OR & A7310HOR. In Pennsylvania, Policy A73100PA & A7310HPA. In Texas, Policies A73100TX & A7310HTX. In Virginia, Policy A73100VA.
Lump Sum Critical Illness (B71000 series)
In Arkansas, Policies B71100AR & B7110HAR. In Oklahoma, Policies B71100OK & B7110HOK. In Oregon, Policies B71100OR & B7110HOR. In Pennsylvania, Policies B71100PA & B7110HPA. In Texas, Policies B71100TX & B7110HTX.

Life
Life (63000 series)
In New York, Policies NYRRR63100, NYR63200, NYR63300, & NYR63500.
Life (64000 series)
In Arkansas, Policies A64100AR, A64200AR, A64300AR, & A64500AR. In Oregon, Policies A64100OR, A64200OR, A64300OR, & A64500OR. In Idaho, Oklahoma, Pennsylvania, Texas, and Virginia, Policies ICC64100, ICC64200, ICC64300, & ICC64500. Life (68000 series)
In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, & Virginia, Policies: ICC1368100, ICC1368200, ICC1368300, ICC1368400.
Juvenile Life (65000 series)
In Arkansas, Policies A65JTORAR & A65JWOAR. In New York, Policies NY65JTO & NYR65JWO. In Oregon, Policies A65JROROR & A65JWOOR. In Idaho, Oklahoma, Pennsylvania, Texas and Virginia, Policies ICC0965JTO & ICC0965JWO.
Term & Whole Life (B60000 series)
In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, & Virginia, Policies: ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400.

Dental
Dental (81000 series)
In Arkansas, Policies A81100AR – A81400AR. In Idaho, Policies A81100ID – A81400ID. In New York, Policies NY81100 – NY81400. In Oklahoma, Policies A81100OK – A81400OK. In Oregon, Policies A81100OR – A81400OR. In Pennsylvania, Policies A81100PA – A81400PA. In Texas, Policies A81100TX – A81400TX. In Virginia, Policies A81100VA – A81300VA.
Dental (82000 series)
In Arkansas, Policies A82100RAR – A82400RAR. In Idaho, Policies A82100RID – A82400RID. In New York, Policies NY82100 – NY82400. In Oklahoma, Policies A82100ROK – A82400ROK. In Oregon, Policies A82100ROR – A82400ROR. In Pennsylvania, Policies A82100RPA – A82400RPAR. In Texas, Policies A82100RTX – A82400RTX. In Virginia, Policies A82100RVA – A82400RVA.
Vision – VSN100 series
In Arkansas, Policy VSN100AR. In Idaho, Policy VSN100ID. In New York, Policy NYVSN100. In Oklahoma, Policy VSN100OKR. In Oregon, Policy VSN100OR. In Pennsylvania, Policy VSN100PA. In Texas, Policy VSN100TX. In Virginia, Policy VSN100VA.

This is a brief overview only. 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 policies for complete details, limitations, and exclusions. Coverage may not be available in all states, including but not limited to ID, NJ, NY, NM or VA

Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York. Aflac WWHQ | 1932 Wynnton Road | Columbus, GA 31999

Z2201103

EXP 11/23

Aflac Supplemental Insurance (2024)

FAQs

What does Aflac supplemental insurance 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.

Does Aflac really pay out? ›

Aflac pays cash directly to you, unless otherwise assigned, to help with daily expenses due to a covered illness or accident. AFLAC IS AN EXTRA MEASURE OF FINANCIAL PROTECTION. When you're sick or hurt, Aflac pays cash benefits directly to you to help you and your family with unexpected expenses.

Can Aflac deny coverage? ›

Decline: An applicant is denied coverage with Aflac for specified reasons. Denial: The process of reviewing a claim and deciding that, due to the terms of the policy contract, no benefits are due for the claim.

What percentage of disability does Aflac pay? ›

Here's why the Aflac group disability plan is right for you. The Aflac group disability plan benefits: Benefits are paid when you are sick or hurt and unable to work, up to 60 percent of your salary (up to 40% in states with state disability). Minimum and Maximum Total Monthly Benefit – $300 to $6,000.

How does supplemental insurance work? ›

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. Supplemental health policies are different from traditional health plans.

What does supplemental insurance include? ›

There are many different types of supplemental health insurance, including vision, dental, hospital, accident, disability, long-term care, and Medicare supplemental plans.

Why would Aflac deny a claim? ›

When Aflac denies your claim, they must provide you with the reason. The main reason why they will deny your claim is they do not think you meet the plan's definition of disabled.

What is the most Aflac payout? ›

ACCIDENT SPECIFIC-SUM INJURIES BENEFITS: When a Covered Person receives treatment for Injuries sustained in a covered accident, Aflac will pay specified benefits ranging from $35–$12,500 for dislocations, burns, skin grafts, eye injuries, lacerations, fractures, concussion, emergency dental work, coma, paralysis, and ...

What is better than Aflac? ›

Prudential Financial, Inc.

(NYSE:PRU) is one of the best alternatives to Aflac with 18 million customers on board. Prudential Financial, Inc. (NYSE:PRU) provides a range of supplemental health benefits.

How quickly does Aflac pay? ›

It will depend on the type of claim filed whether you'll receive lump sum payment or payments throughout treatment. Either way, if filing online and assuming all necessary documentation is present, payment turnaround should be 24-48 hrs. If filing via fax or mail, it will be longer.

Can I get Aflac with pre-existing conditions? ›

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.

How much does Aflac pay for a colonoscopy? ›

Take for example a colonoscopy. If you are signed up for both the Accident plan and the Critical Illness plan, you will receive a $100 payout for having the one colonoscopy. The same goes for a pap smear, COVID-19 testing, mammograms, and bloodwork. It's also important to know that it is never too late to file a claim.

What gives 100% disability? ›

The 100 percent disability rating is often awarded to veterans with two or more limbs that have been amputated or paralyzed or for veterans with active service-related diseases such as cancer, severe cardiac conditions, or psychiatric conditions such as PTSD, bipolar, depression, or schizophrenia.

What's the most disability will pay? ›

Social Security Disability Insurance (SSDI) – The maximum payment is $3,822 a month (up from $3,627 in 2023). The maximum family benefit for SSDI is about 85% to 150% of the disabled worker's benefit. The maximum payment at full retirement age is $3,822 monthly.

How hard is it to get 100% disability? ›

To receive a rating of 100 percent, there must be sufficient evidence to support the severity of the service-connected condition. This can come from medical documentation as well as testimony from friends, family, co-workers, and others who can attest to the seriousness of the disability.

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.

Is supplemental accident insurance worth it? ›

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 group and personal accident insurance.

What does an Aflac policy pay for? ›

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.

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