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Supplemental insurance is additional coverage that you can use to help with the out-of-pocket expenses that may not be covered by your major medical insurance. Have you ever had expenses not covered by your major medical plan? That’s where Aflac comes in.
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.
Aflac supplemental insurance policies offer a full suite of products for individuals and families. Our policies help with everything from routine preventative care to critical illnesses. Here’s a list of the policies we make available:
Don’t wait until it’s too late. Help cover yourself and your family with affordable coverage from Aflac.
The average cost of a broken leg is
$10,0991After major medical coverage, you could still owe
$4,0372in out-of-pocket medical expenses not covered by your insurance.
Major medical coverage only goes so far, and even with it, you can still be left with tremendous out-of-pocket costs. According to our Benefits Estimator, the average cost of a broken leg is $10,099.1 After major medical, you could still be left with $4,0372 in medical expenses that may not be covered by your work’s health insurance plan. A plan like Aflac Accident Insurance pays you cash (unless assigned otherwise) that can be used to help with the out-of-pocket expenses that may not be covered by major medical in the event of a qualifying accident.
How Much Supplemental Insurance Do I Need?
Which insurance policies you apply for is entirely up to your discretion. If you’re considering supplemental insurance, we recommend that you look at multiple plans that make sense for what you, your family and/or your employees need to help secure a stable financial future.
If you are considering supplemental insurance, we recommend you take a look at multiple plans that make sense for what you and your family need to help secure a stable financial future. Here are a few questions to consider.
Does cancer run in your family? Are you financially prepared if you had to start receiving cancer treatments?
Do you have small children or children participating in sports where accidents are more likely? Or even a new teen-driver?
Does heart disease run in your family? Do you live an unhealthy lifestyle that would make you more likely to experience a diagnosis of a critical illness?Did you know that if you do not get regular dental checkups you can run the risk of gum disease or other diseases and illnesses?
How Much Does Aflac Supplemental Insurance Cost?
Like any other type of insurance, there is no one-size-fits-all solution and the cost of voluntary insurance is determined by a few different factors, including which state you live in and which insurance products you choose.
How Do I Submit a Claim with Aflac?
It’s simple! Fill out the necessary forms to the best of your ability. While your claim is being processed, you can log in and check your claim status on our website.
For our accident, cancer and critical illness products, you can submit your claim online through our customer service portal and you could get your cash benefits fast. Other claims which require additional inputs from your doctor or hospital may take longer to process. Your cash is then sent out either as a check to your home address or as a direct deposit to your bank account.
For our dental product, the dentist should file the claim on your behalf. If you choose to file the claim yourself, you can call (855) 819-1873 to obtain a copy of the claim form as well as instructions on how to complete and submit. The claim will be paid directly to the dentist, if benefits are assigned.
Processing time is based on business days after all required documentation needed to render a decision is received and no further validation and/or research is required.
Does Aflac Supplemental Insurance Cover Prescription Drugs?
Aflac Supplemental Insurance pays you (unless assigned otherwise) cash after a covered claim has been successfully submitted and processed. That cash can then be spent however you see fit.
Whether you use it to help fill prescription drugs at the pharmacy or to help pay for gas on the way home from the doctor’s office is entirely up to you.
Don’t wait until it’s too late. Help cover yourself and your family with affordable coverage from Aflac.
1Broken Leg Diagnosis & Treatment, Mayo Clinic, July 01, 2022.
https://www.mayoclinic.org/diseases-conditions/broken-leg/diagnosis-treatment/drc-20370416.
Costs of diagnosis and treatment(s) are based on:
Transport - Ambulance Ride (1): $730.00
Source: https://www.goodrx.com/insurance/health-insurance/how-much-does-an-ambulance-cost.
ER - ER Visit (1): $1,082.00
Source: https://www.khealth.com/learn/healthcare/er-visit-cost/.
Diagnostic - X-Ray (1): $360.00
Source: https://khealth.com/learn/healthcare/how-much-does-an-x-ray-cost/.
Treatment - Open reduction surgery (1): $6,762.00
Source: https://pubmed.ncbi.nlm.nih.gov/33453610/.
Post-Treatment - Walking cast (1): $200.00
Source: https://costaide.com/foot-cast-cost/.
Post-Treatment - Crutches (1 set): $35.00
Source: https://health.costhelper.com/crutches.html.
Wellness Maintenance - Doctor Visit (3): $150.00
Source: https://www.talktomira.com/post/the-cost-of-a-doctor-visit-without-insurance.
Wellness Maintenance - Physical Therapy (7 visits): $780.00
Source: https://www.orthobethesda.com/blog/how-much-does-physical-therapy-cost/.
Total Cost: $10,099.00
2 The information provided in the Benefits Estimator is illustrative only. Plans may not be available in all states, and benefits may vary by state, coverage, and plan level selected. Policies have limitations and exclusions that may affect benefits payable. The Aflac payout values do not guarantee an amount to be paid for the listed conditions. Benefits paid by Aflac (if any) will depend on the severity of the accident or illness, the physician diagnosis, and the treatment received. The “Aflac Pays You” data is an average of historical payments made to Aflac policyholders/certificateholders who qualified for benefits under their specific plans and does not reflect instances when benefits were not paid for a particular claim. Whether benefits are payable will be determined when a claim is processed. You must be 18 or older to apply for Aflac insurance. Availability varies by product; see your local Aflac agent for details. The out-of-pocket expenses displayed are estimated at 40% of the total medical cost, assuming that average major medical plans cover approximately 60% of the expense. Your major medical coverage may be more or less, and if an individual or family incurs expenses for non-covered benefits, these out-of-pocket expenses may increase potential unexpected costs. You will also need to pay for any limits or exclusions on your benefits which may include the number of refills for certain drugs, visits to certain specialists, or days covered for certain benefits.