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; and leniency for any other action required under the certificate. Affected members are not required to obtain prior approval when accessing appropriate out-of-network providers when in-network providers are unavailable. The cost-sharing for out-of-network will be in amount equal to cost-sharing affected members would have paid for the provision of that service in-network. 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.
New messages from Aflac |
View Notifications opens a dialog
Close X dismisses the notification alert
When it comes to supplemental insurance, it’s crucial to understand all your options. One insurance plan may be better suited for your needs than another. At Aflac, we aim to provide you with resources to help clarify your decision.
Critical illness insurance is a supplemental policy that can help cover expenses in case you suffer a serious illness. Read on to learn how critical illness insurance works so you can decide whether you may need this type of plan.
Table of Contents
Before deciding if you need critical illness insurance, you must understand what it is and what it helps cover. Critical illness insurance is a type of supplemental plan that provide additional coverage that your primary medical insurance plan may not cover if a life-changing health event happens.
Some common life-threatening illnesses critical illness plans help cover include heart attacks, strokes, and comas. The specific diseases covered depend on the insurance company you choose to work with and their policy options, as well as state regulations. This is why it's essential to examine the details of each insurance plan closely to decide which policy fits your needs.
After deciding if you should get critical illness insurance, you’ll want to figure out how much support you may need. Luckily, many critical illness insurance plans function similarly and offer some kind of cash benefits. The amount of cash benefits offered varies from plan to plan and may differ depending on the plan options and tier of coverage you choose.
At Aflac, if an unexpected health event occurs, we pay a lump-sum cash payment to policyholders and it can be used for whatever is needed most. This means you can apply the money to help with medications, treatments, or everyday expenses like groceries and rent.
However, the policyholder should buy critical illness insurance before a major health event takes place and some plans have limitations that should be considered. Coverage must be obtained proactively, or you may not be able to receive benefits when you need them most.
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedThe cost of each critical illness plans varies from company to company. At Aflac, we plans available that fit most budgets. We recommend chatting with an agent and getting a quote for a more complete look at costs.
For some, critical illness insurance feels necessary. For others, not so much. It depends on your unique circumstances, and it can be helpful to understand your family’s medical history when deciding if critical illness insurance is right for you. Critical illness insurance can be particularly helpful for:
One of the most helpful steps you can take is assessing your personal risk for a critical illness. This may look like gaining more information about your family’s medical history or scheduling an appointment with your doctor.
It can also be helpful to closely examine your finances and how a critical illness could impact you and your family. If you feel you have the resources to handle a serious diagnosis, you may not need critical illness insurance. However, critical illness insurance could make all the difference if you feel like you would need more support and stability amidst a life-changing health event.
Now that you have more information, you may be able to decide if you need critical illness insurance. Aflac offers critical illness insurance affordable premiums and extensive coverage, along with other kinds of supplemental coverage. Start chatting with an agent today to learn more about your options and decide whether getting a supplemental policy like critical illness insurance is worth it for you.
Get Started
Critical illness insurance can help cover expenses if you experience a major illness. Learn what critical illness insurance is and how to use the benefits.
Wondering if critical illness insurance is worth it? Learn how critical illness insurance works and what it covers to decide whether this plan is worth it for you.
Critical illness insurance can help cover expenses if you experience a major illness. Learn what critical illness insurance is and how to use the benefits.
Wondering if critical illness insurance is worth it? Learn how critical illness insurance works and what it covers to decide whether this plan is worth it for you.
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. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
This is a brief product overview only. Coverage may not be available in all states. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Plans and riders may also contain a waiting period. Refer to the exact plans and riders for benefit details, definitions, limitations and exclusions. For availability and costs, please contact your local Aflac agent/producer.
Aflac Policies
A73100 Series - R & A7310HAR. In Delaware, Policies A73100DE & A7310HDE. In Idaho, Policies A73100ID & A7310HID. In New York, Policy NY72100. In Oklahoma, Policies A73100OK & A7310HOK. In Oregon, Policies A73100OR & A7310HOR. In Pennsylvania, Policy A73100PA & A7310HPA. In Texas, Policies A73100TX & A7310HTX. In Virginia, Policy A73100VA & A7310HVA. Not available in CT,FL, MI, NJ, PR and WA. B71000 Series - In Arkansas, Policies B71100AR, B71200AR, B7130HAR, B710HAR. In Delaware, Policies B71100, B71200, B7130H & B7140H. In Oklahoma, Policies B71100OK, B71200OK, B7130HOK & B7140HOK. In Oregon, Policies B71100OR, B71200OR, B7130HOR & B7140HOR. In Pennsylvania, Policies B71100PA, B71200PA, B7130HPA & B7140HPA. In Texas, Policies B71100TX, B71200TX, B7130HTX & B7140HTX. Not available in CO, ID, KY, MD, ME, NJ, NY, OH, PR, RI, VA and WA.
Coverage is underwritten by American Famly Life Assurance Company of Columbus. In New York coverage is underwritten by American Family Life Assurance Company of New York.
Tier One Policies
In Arkansas, Policy T71100ARR. In Delaware, Policy T71000. In Oklahoma, Policy T71000OK. In Oregon, Policy T71000OR. In Virginia, Policy T71100VA. Not available in ID, NJ or NY.
Coverage is underwritten by Tier One Insurance Company. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (Tier One NAIC 92908).
Aflac’s family of insurers include Aflac, Aflac New York, Continental American Insurance Company, and Tier One Insurance Company.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999.
Z2300346R2
EXP 4/26
