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.
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When deciding if you should get critical illness insurance or not, it can be helpful to visualize a scenario.
Let’s say you experience a situation where you may benefit from having critical illness insurance coverage, like a heart attack. The hospital bills, immediate procedures and ongoing medications can quickly add up to thousands of dollars. Having an affordable critical illness insurance policy before an event like this happens can help pay the expenses.
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This scenario can apply to a wide variety of critical illnesses. Strokes are a common condition that may fall into the critical illness category.1 When life throws you a curveball, Aflac’s critical illness can help you and your family financially navigate the newfound care needed.
Critical illness insurance is a type of policy that provides additional coverage in emergencies and certain life-changing events. With critical illness insurance, a lump-sum payment is typically provided when a policyholder experiences a covered illness.
These plans can be particularly helpful if your primary health insurance coverage leaves you with gaps in coverage. Luckily, critical illness insurance usually comes at an affordable rate, allowing the benefits to outweigh the costs.1
There are a few unique characteristics that make it worth it to buy critical illness insurance:
The benefits of each critical illness insurance policy vary from company to company. At Aflac, critical illness insurance is offered to individuals on a direct basis and also to employees through payroll deduction.
If the illness experienced is covered in an Aflac critical illness plan, we pay out a lump-sum payment to be used as needed. This means you can use the lump sum to help pay for medical bills or everyday expenses, like groceries and electricity bills. This functionality can make critical illness insurance coverage worth it— even if your primary health plan already offers solid medical coverage.
Aflac’s critical illness insurance may also help cover dependent children under the age of 26 and spouses, if applicable. Depending on the plan you choose, you may be able to receive coverage for first-time events and second-time occurrences of the same critical illness.
Depending on your location and plan type, coverage may also help you pay for hospital stays, ongoing care or intensive treatments. We recommend chatting with an agent to review your insurance options.
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedThere are a handful of situations where critical illness insurance may be particularly worth it for you:
Critical illness insurance covers a specific list of life-changing events. If you have a family history of these illnesses, critical illness insurance may be particularly worth it. With affordable rates, you can help provide yourself with added peace of mind and additional financial protection if an emergency were to strike.
As an employer, you can help your employees feel safe by offering them additional support if a critical illness impacts their ability to work. The more employees feel supported, the more capable they are of making meaningful contributions to their companies. Discover how you and your employees can work together better with Aflac Critical Illness Insurance.
Get Started
Hospital indemnity insurance can help pay for costs your current plan doesn't cover. Learn what hospital indemnity insurance is and whether it's right for you.
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.
Hospital indemnity insurance can help pay for costs your current plan doesn't cover. Learn what hospital indemnity insurance is and whether it's right for you.
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.
1 Investopedia - Critical Illness Insurance: What Is It? Who Needs It? Updated September 20, 2024. Accessed January 21, 2025. https://www.investopedia.com/articles/personal-finance/010416/critical-illness-insurance-who-needs-it.asp.
2 eHealth - Critical-Illness Insurance: Is It Worth the Cost? Updated March 15, 2024. Accessed February 18, 2025. https://www.ehealthinsurance.com/resources/individual-and-family/critical-illness-insurance-worth-cost.
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.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Critical Illness/Specified Health Event, A74000 series: In Delaware, Policies A74100DE, A74200DE, A74300DE. In Idaho, Policies A74100ID, A74200ID, A74300ID. In Oklahoma, Policies A74100OK, A74200OK, A74300OK. In Virginia, Policies A74100VA, A74200VA, A74300VA. A73000 series: In Delaware, Policies A73100DE & A7310HDE. In Idaho, Policies A73100ID & A7310HID. In Oklahoma, Policies A73100OK & A7310HOK. In Virginia, Policy A73100VA & A7310HVA. B71000 series: In Delaware, Policies B71100, B71200, B7130H & B7140H. In Oklahoma, Policies B71100OK, B71200OK, B7130HOK & B7140HOK.
Tier One Critical Illness coverage is underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
Critical Illness: In Delaware, Policy T71000. In Oklahoma, Policy T71000OK. In Virginia, Policy T71100VA.
Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY, VA or VT. 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.
Aflac WWHQ | Tier One | 1932 Wynnton Road | Columbus, GA 31999
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