Aflac Supplemental Insurance (2024)

1 ValuePenguin - Supplemental Insurance: What Is It, and When Do You Need it? Updated August 17, 2022. https://www.valuepenguin.com/supplemental-health-insurance. Accessed May 2, 2023.

2 HowMuchIsIt.org – How Much Does Aflac Cost? https://www.howmuchisit.org/how-much-does-aflac-cost/. Accessed May 2, 2023.

3 Forbes - What is Supplemental Health Insurance? Updated August 10, 2022. https://www.forbes.com/advisor/health-insurance/what-is-supplemental-health-insurance/. Accessed May 2, 2023.

Aflac Coverage
Accident (A37000 Series) - In Arkansas, Policy A37000AR. In Delaware, Policies A371AA & A371BA. In Idaho, Policy A37000ID. In New York, Policy NY37000. In Oklahoma, Policy A37000OK. In Oregon, Policy A37000OR. In Pennsylvania, Policy A37000PA. In Texas, Policy A37000TX. In Virginia, Policies A371AAVA & A371BAVA.

Cancer/Specified-Disease (B70000 Series) - In Arkansas, Policies B70100AR, B70200AR, B70300AR, B7010EPAR, B7020EPAR. In Delaware, Policies B70100DE, B70200DE & B70300DE. 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.

Dental (A82000 Series) - In Arkansas, Policies A82100RAR–A82400RAR. In Delaware, Policies A82100R–A82400R. 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 Delaware, Policy VSN100. 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.

Critical Illness (A73100 Series) - In Arkansas, Policies A73100AR & A7310HAR. In Delaware, Policies A73100DE & A7310HDE. 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.

Short-Term Disability (A57600 Series) - In Arkansas, Policies A57600AR & A57600LBAR. In Delaware, Policies A57600DE & A57600LB. In Idaho, Policy A57600IDR. In New York, Policy NY57600. In Oklahoma, Policies A57600OK & A57600LBOK. In Oregon, Policies A57600OR & A57600LBOR. In Pennsylvania, Policies A57600PA & A57600LBPA. In Texas, Policies A57600TX & A57600LBTX. In Virginia, Policies A57600VA & A57600LBVA.

Hospital (B40000 Series) - In Arkansas, Policies B40100AR & B401HAR. In Delaware, Policies B40100DE & B4010HDE. In Idaho, Policies B40100ID & B4010HID. In New York, Policies NYB40100 & NYB4010H. In Oklahoma, Policies B40100OK & B4010HOK. In Oregon, Policies B40100OR & B4010HOR. In Pennsylvania, Policies B40100PA & B4010HPA. In Texas, Policies B40100TX& B4010HTX. In Virginia, Policies B40100VA & B4010HVA.

Life (A68000 Series) - In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, & Virginia, Policies: ICC1368100, ICC1368200, ICC1368300, ICC1368400. In Delaware, Policies A68100-A68400. In New York, NY68100-NY68400. Term and Whole Life (B60000 Series) - In Arkansas, Idaho, Oklahoma, Pennsylvania, Texas, & Virginia, Policies: ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400. Group Whole Life (Q60000 Series) - In Arkansas, Delaware & Oregon, Policy Q60100M. In Idaho Policy Q60100MID. In Oklahoma, Policy Q60100MOK. In Texas, Policy Q60100MTX. Group Term Life (Q60000 Series) - In Delaware, Policies Q60200M. In Arkansas, Idaho, Oklahoma, Oregon & Texas, Policies ICC18Q60200M, ICC18Q60300C, ICC18Q60400C.

Aflac 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.

Tier One Coverage
Accident (T37000 Series) - In Arkansas, Policy T37000ARR. In Delaware, Policy T37000. In Idaho, Policies T37100IDR, T37200IDR, & T37300IDR. In Oregon, Policy T37000OR. In Oklahoma, Policy T37000OK. In Pennsylvania, Policies T37000PA, T37300PA, & T37500PA. In Texas, Policy T37000TX.

Cancer/Specified-Disease (T70000 Series) - In Arkansas, Policy T70000ARR. In Delaware, Policy T70000. In Idaho, Policy T70000ID. In Oklahoma, Policy T70000OK. In Oregon, Policy T70000OR. In Pennsylvania, Policies T70000PA, T7000GPA. In Texas, Policy T70000TX. In Virginia, policies T70000VA & T70000GVA.

Dental, Vision, Hearing (DVH, T80000 Series) - In Arkansas, Policy T80000AR. In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. In Oregon, Policy T80000OR. In Pennsylvania, Policy T80000PA. In Texas, Policy T80000TX.

Dental claims are administered by Aflac Benefits Solutions, Inc. Vision claims are administered by EyeMed Vision Care, LLC. Hearing claims are administered by Nations Hearing.

NOTICE: The coverage offered is not a qualified health plan (QHP) under the Patient Protection and Affordable Care Act (ACA) and is not required to satisfy essential health benefits mandates of the ACA. The coverage provides limited benefits. Tier One Insurance Company is part of the Aflac family of insurers.

Critical Illness (T71000 Series) - In Arkansas, Policy T71100ARR. In Delaware, Policy T71000. In Oklahoma, Policy T71000OK. In Oregon, Policy T71000OR. In Pennsylvania, Policies T71100PA - T71400PA. In Texas, Policy T71000TXR. In Virginia, Policy T71100VA.

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

Tier One coverage is underwritten by Tier One Insurance Company.

Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY or VA. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.

Aflac’s family of insurers include Aflac, Aflac New York, Continental American Insurance Company, and Tier One Insurance Company.

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

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

Z2301197

EXP 10/24

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 is supplemental insurance cover? ›

An additional insurance plan that helps pay for health care costs that are not covered by a person's regular health insurance plan. These costs include copayments, coinsurance, and deductibles.

Can Aflac be a secondary insurance? ›

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 will Aflac pay me for? ›

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

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.

What is the best supplemental insurance like 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. The company provides coverage for accidents, critical illness, and hospital indemnity.

What is an example of a supplemental insurance? ›

Supplemental insurance includes a variety of different types of coverage, including accident insurance, dental insurance, vision insurance, cancer insurance, fixed indemnity insurance, and critical illness insurance.

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

What is the best alternative to aflac? ›

Top 10 Aflac competitors
  • Symetra.
  • MS&AD Insurance Group.
  • Assurant.
  • Prudential.
  • MetLife.
  • Unum Group.
  • Lincoln Financial Group.
  • Allstate Benefits.

What does Aflac not cover? ›

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

How much does Aflac pay for an MRI? ›

Major Diagnostic Exams Aflac will pay $150 when a covered person requires one of the following exams for a covered sickness: • CT scan • MRI (magnetic resonance imaging) • EEG (electroencephalogram) • Thallium stress test • Myelogram • Angiogram • Arteriogram These exams must be performed in a hospital, doctor's office ...

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 Dr. visits? ›

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.

Does Aflac pay for ER visits? ›

No lifetime maximum. Aflac will pay $100 when a covered person receives treatment for a covered sickness or injury in a hospital emergency room, including triage, and a charge is incurred. This benefit is payable twice per calendar year, per policy.

Is Aflac a good policy? ›

Aflac is a financially sound and competitively priced insurer that provides a wide range of term and whole life policies and riders, adding more flexibility for consumers.

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.

How much does Aflac pay out for an MRI? ›

Major Diagnostic Exams Aflac will pay $150 when a covered person requires one of the following exams for a covered sickness: • CT scan • MRI (magnetic resonance imaging) • EEG (electroencephalogram) • Thallium stress test • Myelogram • Angiogram • Arteriogram These exams must be performed in a hospital, doctor's office ...

How much does Aflac pay for wellness benefits? ›

Unless otherwise specified, Aflac will pay you to $50 for wellness exams each benefit year, this, of course, stacks with any wellness benefits you receive from your healthcare provider or the city. Wellness benefits aren't reimbursem*nts—they're payouts. That might sound like a semantic difference, but it isn't.

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