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

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? ›

Injuries and Emergency Services

Aflac can also help cover fractures, broken teeth, eye injuries, and pain management, like epidurals. There are many additional costs on top of treating an injury that may not be covered under your primary medical coverage.

What does Aflac not cover? ›

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

Is it worth getting supplemental insurance? ›

For instance, if your health insurance plan has poor benefits with hefty out-of-pocket costs, purchasing a supplemental plan can be valuable. On the other hand, if you already have an excellent health insurance plan with good coverage and low out-of-pocket costs, you might find that a supplemental plan isn't necessary.

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.

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.

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 ...

Does Aflac pay monthly? ›

Aflac expresses benefit amount in scheduled monthly amounts based on the employee's gross salary and the monthly benefit selected. Note: Aflac is not a provider of Long-Term Disability Insurance. To file a claim, use the link under Contact Information below.

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.

How to use supplemental insurance? ›

You can use the money however you see fit, such as for medical care, experimental treatments, household expenses, and childcare. However, it's important to remember that a critical illness insurance plan will only cover diseases included in your policy.

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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