Notifications from Aflac

We care about Aflac’s policyholders affected by the recent weather:

To help provide relief for California policyholders residing in Santa Cruz County who were affected by the coastal storms, Aflac will provide a premium grace period starting Dec. 23, 2024, and ending Apr. 15, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for California policyholders residing in Los Angeles and Ventura Counties affected by the wildfires, Aflac will provide a premium grace period starting Jan. 7, 2025, and ending Mar. 10, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent earthquake:

To help provide relief for California policyholders residing in Del Norte, Humboldt, and Mendocino counties affected by the earthquake, Aflac will provide a premium grace period starting Dec. 5, 2024, and ending Feb. 03, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


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Health insurance wasn’t designed to cover it all

Health insurance wasn’t designed to cover it all

When you buy some forms of insurance, such as homeowners or auto insurance, you know what you’re getting: Once you’ve met the deductible, the insurance company handles the rest. But that’s not necessarily the case with health insurance. Even once employees have met their deductible, they may still be on the hook for significant expenses that health insurance doesn’t cover. Luckily, supplemental benefits can help ease the sticker shock of those unexpected bills.

Health insurance may not be enough

Based on the ways other types of insurance work, people may think once they meet their deductible, health insurance covers the rest. With the average annual deductible being $2,004 for an individual employer-sponsored plan,1 the legal out-of-pocket maximum for an individual being $9,100 and the average coinsurance being 19-20%,1 that leaves a lot of exposure.

Even with health insurance, the out-of-pocket costs can be sizeable — not counting costs for ongoing treatment and medications, along with paying everyday bills.

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$2,000
up to the annual maximum: potential out-of-pocket cost for back surgery2

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$6,000
potential out-of-pocket cost for treatment of breast, lung or colon cancer for those with insurance.3

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$55,694
average cost of cardiac bypass surgery.5

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$35,000
the average cost for a knee replacement surgery.4

Supplemental insurance can pick up where health insurance stops, paying benefits* to help employees manage their out-of-pocket medical and non-medical expenses.

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Accident insurance
For covered accidental injuries — minor and major.

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Hospital indemnity insurance
For covered admission or confinement to a hospital.

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Critical illness insurance
For serious and potentially life-changing covered illnesses and health events.

Contact your Aflac representative to learn how we can help with expenses health insurance doesn’t cover.