Aflac Supplemental Insurance (2024)

FAQs

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.

In the event of a covered accident, the plan pays cash benefits fast to help with the costs associated with out-of-pocket expenses and bills—expenses major medical may not take care of, including: • Ambulance rides. Wheelchairs, crutches, and other medical appliances. Emergency room visits. Surgery and anesthesia.

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.

Pre-Existing Conditions Limitation: Aflac will not pay benefits for any period of disability that results, directly or indirectly, from Sickness or Injury for which you, during the 12 months prior to the most recent Effective Date of your insurance, incurred expenses, received medical treatment, took prescribed drugs ...

How Much Supplemental Life Insurance Do I Need? Financial experts and insurance companies recommend having seven to 10 times your annual salary in life insurance, so if you earn $75,000 per year, the guideline would be $525,000 to $750,000 in coverage.

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

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.

$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.

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.

How much does Aflac pay for a mammogram? ›

After the waiting period, we will pay a $200 mammography benefit once per calendar year for mammography tests.

SPeCifieD-DiSeaSe initiaL Benefit: While coverage is in force, if a Covered Person is first diagnosed, after the Effective Date of the rider, with any of the covered Specified Diseases, Aflac will pay a benefit of $1,000.

Supplemental insurance is advisable for those with Medicare to help cover out-of-pocket costs and gaps in coverage, offering financial protection for deductibles, coinsurance, and other medical expenses not fully covered by Medicare.

If you are 65 or older, you may be able to purchase a Medicare Supplement insurance plan during the Medicare Supplement Open Enrollment Period. This period lasts for six months and begins on the first day of the month in which you are both 65 or older and enrolled in Medicare Part B.

Adding individual-owned disability income insurance to disability coverage you have through work helps protect more of your income by filling in the gaps. Having supplemental disability insurance equips you to be better prepared financially and protect more of your earnings.

Supplemental plans don't typically cover medical treatments, such as surgeries or medications. A supplemental plan may instead help pay health insurance deductibles or copayments, or pay for specific care, such as cancer or critical illness.