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.
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Cancer can be very expensive to treat. That’s where insurance comes in. It can help cover the cost of cancer treatments and help alleviate the significant financial burden a cancer diagnosis often brings. Here’s everything you need to know about cancer treatments and insurance coverage, including Aflac cancer insurance for individuals.
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Yes, the Affordable Care Act (ACA) requires that health insurance plans cover cancer treatment and follow-up care.1 However, you'll likely still have many out-of-pocket expenses that are not covered by your insurer.
Without insurance, cancer treatment costs can quickly add up to six figures. Treating cancer can be expensive. From deductibles and copays to treatment, transportation and childcare, there are expenses that health insurance may not cover.
Some cancer treatments are more expensive than others, and costs vary based on the stage and location of the cancer. The National Cancer Institute found the average cost of medical care and drugs to be over $42,000 in the year after diagnosis.2
From deductibles and copays to treatment, transportation and childcare, there are many expenses that health insurance may not cover. This could make cancer treatment costs quickly add up to six figures.
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedCancer insurance is a supplemental policy, or additional coverage that can help fill in the gaps and cover expenses that your health insurance plan doesn’t cover. Aflac cancer insurance policies provide cash benefits that can give you financial assistance as you receive cancer treatments.
You can use these benefits to pay for:
For example, imagine Mary, a single mother, is diagnosed with breast cancer. While her health insurance covers most of her medical treatments, she still faces additional costs like transportation to chemotherapy appointments, childcare during her hospital stays, and everyday expenses like groceries and utility bills. With Aflac cancer insurance, Mary can receive cash benefits that help ease the financial burden, allowing her to focus on her recovery without worrying about how to make ends meet.
The Affordable Care Act mandates that insurers cover cancer treatment, even as a pre-existing condition.1 However, there are still many associated costs not covered by health insurance. Supplemental cancer insurance can help you save money on living expenses and related healthcare costs that aren’t covered by health insurance.
Cancer insurance may be particularly worth it if:
Cancer treatment is daunting enough without the added financial stress. With Aflac cancer insurance for individuals, you can help reduce some of the out-of-pocket expenses that take a toll on your physical and emotional health. You can purchase this supplemental policy directly through Aflac. Chat with an agent to learn more about cancer insurance and get a quote today.
Get Started
Getting cancer treatment without insurance is expensive. Aflac discusses the costs of cancer treatments, the dangers of cancer without insurance, and what cancer insurance helps cover.
Wondering if cancer insurance is worth it? Learn how cancer insurance works and what it covers to figure out if this policy is worth the cost.
Getting cancer treatment without insurance is expensive. Aflac discusses the costs of cancer treatments, the dangers of cancer without insurance, and what cancer insurance helps cover.
Wondering if cancer insurance is worth it? Learn how cancer insurance works and what it covers to figure out if this policy is worth the cost.
1 Cancer Care - Understanding the Affordable Care Act. Updated June 13, 2023. Accessed April 3, 2025. https://www.cancercare.org/publications/179-understanding_the_affordable_care_act.
2 STAT - Cancer patients shouldn't be responsible for out-of-pocket costs. Published May 23, 2023. Accessed April 3, 2025. https://www.statnews.com/2023/05/23/financial-toxicity-cancer-costs-cost-sharing/.
Coverage underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York.
Cancer/Specified-Disease: 72200: In Delaware, Policy A72200. In Idaho, Policy A72200ID. In Oklahoma, Policy A72200OK. In Virginia, Policy A72200VA. 75000: In Virginia, policies A75100VA–A75300VA. B7000: In Delaware, Policies B70100DE, B70200DE & B70300DE. In Idaho, Policies B70100ID, B70200ID, B70300ID, B7010EPID, B7020EPID. In Oklahoma, Policies B70100OK, B70200OK, B70300OK, B7010EPOK, B7020EPOK.
Coverage underwritten by Tier One Insurance Company.
Cancer/Specified-Disease: In Delaware, Policy T70000. In Idaho, Policy T70000ID. In Oklahoma, Policy T70000OK. In Virginia, policies T70000VA & T70000GVA. Not available in NY.
Cancer insurance is also known as specified disease insurance in some states. This is a brief product overview only. 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.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations.
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