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You suddenly experience a sharp pain in your side and go to an urgent care clinic, where you’re diagnosed with appendicitis.
You’re taken by ambulance to the emergency room, where lab tests and diagnostic exams report back that you need surgery right away.
After a 3-day stay in the hospital you’re feeling much better, but hospital bills add up quickly. Cash benefits are paid directly to you (unless otherwise assigned), which can help ease the financial stress of your illness.
Claims made on your Aflac Choice2 policy are paid fast.
weekly rates as low as a "Get Well Soon" card.3
The plans advertised herein offer supplemental insurance coverage and are not major medical insurance plans.
1 The Burden of Medical Debt: Results from the Kaiser Family Foundation/NY Times Medical Bills Survey, Jan. 5, 2016, Pg. 2-3, accessed 9/21/2016. http://kff.org/health-costs/report/the-burden-of-medical-debt-results-from-the-kaiser-family-foundationnew-york-times-medical-bills-survey.
2 HOSPITAL - B40000 SERIES
In Arkansas, Policies B40100AR & B401HAR. 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. This is a brief product overview only. Coverage may not be available in all states including but not limited to New Jersey and Virginia. Benefits/premium rates may vary based on plan selected. Optional riders are available at an additional cost. The policy has limitations and exclusions that may affect benefits payable. Refer to the policy for complete details, limitations, and exclusions. For costs and complete details of the coverage, please contact your local Aflac agent.
Limitations & Exclusions for the residents of Arizona:
Aflac will not pay benefits for care or treatment that is: (1) caused by a Pre-existing Condition, unless it begins more than 12 months after the Effective Date of coverage, or (2) received prior to the Effective Date of coverage.
Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void.
Aflac will not pay benefits whenever fraud is committed in making a claim under the coverage. If you have received benefits that were not contractually due under the coverage, then Aflac reserves the right to offset any benefits payable under the coverage up to the amount of benefits you received that were not contractually due.
The policy does not cover losses caused by or resulting from:
A “Pre-existing Condition” is an illness, disease, infection, disorder, condition, or injury for which, within the 12-month period before the Effective Date of coverage, prescription medication was taken or medical testing, advice, consultation, or treatment was recommended or received, or for which symptoms existed that would ordinarily cause a prudent person to seek diagnosis, care, or treatment. Care or treatment caused by a Pre-existing Condition, including deliveries for children conceived prior to the Effective Date of coverage, will not be covered unless it begins more than 12 months after the Effective Date of coverage.
Limitations and Exclusions for residents of Idaho:
Aflac will not pay benefits for care or treatment that is: (1) caused by a Pre-existing Condition, unless it begins more than 12 months after the Effective Date of coverage, or (2) received prior to the Effective Date of coverage. Aflac will pay benefits for elective surgery that is not Medically Necessary after the first 12 months of the Effective Date of coverage. The policy does not cover losses caused by or resulting from:
PRE-EXISTING CONDITION LIMITATIONS: A “Pre-existing Condition” is an illness, disease, infection, disorder, condition, or injury for which, within the six-month period before the Effective Date of coverage, prescription medication was taken or medical testing, advice, consultation, or treatment was recommended or received from a Physician. Pre-existing Conditions, including pregnancies in existence on the Effective Date of coverage, will not be covered during the first 12 months after the Effective Date of coverage.
3 Assumes the average cost of a greeting card is $3.49**, and the average cost of postage to mail is $0.60***. Comparison is based on the average weekly premium for Nebraska Payroll Premium rates for industry Class A; Aflac Hospital Choice Series B40100 - $500 Confinement Amount - Individual Age 18-49. Premiums may vary by coverage type, account, state of issue, and the election of additional/optional benefits.
**Source: Hallmark.com, 2022.
***Source: U.S. Postal Service, August 2022.
