Notifications from Aflac

We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for Oregon policyholders residing in Oregon who were affected by the wildfires, Aflac will provide a premium grace period starting Sept. 3, 2025, and ending Nov. 26, 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 weather:

To help provide relief for Arizona policyholders residing in Gila, Mohave, and Maricopa Counties affected by the heavy rains, Aflac will provide a premium grace period starting Sept. 25, 2025, and ending Jan. 13, 2026. 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 weather:

To help provide relief for Alaska policyholders and certificate holders residing in Northwest Arctic Borough, North Slope Borough, Kusilvak Census Area, Bethel Census Area, Nome Census Area, and Aleutians West Census Area who are affected by the storm, Aflac will provide an extended premium grace period starting Oct. 9, 2025, and ending Dec. 15, 2025. This grace period also includes an extension of filing deadlines for claims and leniency for any other actions required under the policy or certificate. In addition, Aflac will relax prescription drug benefit guidelines to allow payment of claims when a covered prescription drug is refilled prior to the usual 30-day limit. Policyholders and certificate holders may also request a replacement copy of their policy or certificate.

For Network Dental and Vision Members:

Aflac is providing temporary relaxation of precertification and referral requirements. Members will have access to appropriate out-of-network providers if in-network providers are unavailable or if they have been displaced, and leniency will be provided for any other actions required under the certificate. Affected members should contact Aflac Benefits Solutions (formerly Argus Dental and Vision) at 855-819-1873, option 1, for assistance.


Aflac offers premium grace period for federal government employees:

Aflac is offering a grace period for premium payments to help provide relief for policyholders employed by the Federal government who are not receiving pay during the government shutdown. This grace period will begin on October 1, 2025, and extend until payroll resumes for these government employees. Eligible policyholders may inquire about the grace period by calling (888) 515-1941.


We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for California policyholders residing in Tuolumne and Calaveras Counties affected by the Lightning ignited fires, Aflac will provide a premium grace period starting Sept. 2, 2025, and ending Nov. 18, 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 weather:

To help provide relief for California policyholders residing in Trinity County affected by the Dec. 15, 2024, and Dec. 29, 2024, winter storms, Aflac will provide billing leniency for impacted insureds, 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. Affected members should contact Aflac at 800-992-3522 for assistance.

For Network Dental and Vision Members:

This also provides an extension of filing deadlines for claims 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.


We care about Aflac’s policyholders affected by the recent levee failure:

To help provide relief for California policyholders residing in San Joaquin County affected by the Oct. 21, 2024, Victoria Island Levee failure, Aflac will provide billing leniency for impacted insureds, 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. Affected members should contact Aflac at 800-992-3522 for assistance.

For Network Dental and Vision Members:

This also provides an extension of filing deadlines for claims 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.


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 billing leniency for impacted insureds, 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. Affected members should contact Aflac at 800-992-3522 for assistance.

For Network Dental and Vision Members:

This also provides an extension of filing deadlines for claims 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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Compare Health Insurance Plans and Quotes

When deciding which type of health insurance is best for you, it’s okay to take your time. Comparing health insurance plans can help you understand what kind of coverage you need. However, knowing what kind of coverage is best for you can be tricky. Let us help you figure out how to choose health insurance plans.

It’s important to note that Aflac doesn’t offer primary health insurance but a range of supplemental insurance plans that work with your existing plan to help with gaps in coverage. Read on to learn how health insurance works, how to compare plans, and how supplemental insurance can complement your primary plan.

2 Min Read

How health insurance works

Health insurance is a contract between a policyholder and an insurance company. In exchange for paying monthly premiums, you can receive partial or full coverage for healthcare costs. Each health insurance plan works differently, so it’s important to compare coverage and quotes so that you can find the right type of insurance for your needs.

How to compare health insurance plans and rates

There are a few distinct categories you can focus on when you need to compare health insurance. The type of insurance plan, medical coverage, networks, and costs can all impact your final decision.

Major medical vs. supplemental insurance

First, it’s crucial to understand that when we say “health insurance” we mean major medical plans. These may be considered more traditional or primary insurance plans. While supplemental insurance works with health insurance, it’s not designed to cover all your medical needs.

Supplemental insurance helps offset out-of-pocket costs not covered by your primary health insurance plan. You can choose which coverage category you need more support in. Exploring Aflac’s range of plans may be just what you need to round out your coverage.

Plan Types

There are a few different kinds of plans that can determine how the health insurance policy functions. First, there are HMOs (health management organizations), where you get all your medical services done within the organization of physicians. You also must see your primary physician first to be referred to a specialist.1

Next, POS (point-of-service) insurance plans give you the option to see providers within the network of participating providers they work with or outside of the network at a higher price. With these kinds of plans, policyholders will often pay upfront and then file the claims for reimbursement if receiving treatment from an out-of-network provider.2

Lastly, PPOs (preferred provider organizations) offer discounted rates to policyholders who see contracted physicians. They can still choose to see an out-of-network provider, but it will likely cost more money.3

Medical Categories

There are a few categories of health insurance to consider. First, there is general health insurance that helps cover medical and surgical needs, prescription drugs, and doctor’s appointments.1 Next, dental insurance helps cover the costs accompanying oral care. Similarly, vision insurance helps policyholders take care of their eye health.

Beyond these major coverage areas, you can explore supplemental insurance to help provide added support for short-term disability, hospital, critical illness, cancer and accident insurance support.

Costs

Lastly, it’s crucial to compare insurance rates across the board. Getting a quote from the providers you are considering can help you better understand expected costs and find rates that work for you.

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How to choose a health insurance plan

When you compare insurance, weighing out the pros and cons of each aspect will ultimately help you decide what is most important to you. Make sure to compare rates and find a plan that fits your budget. Even if you find a health insurance plan that isn’t the perfect fit, there are other ways to round out coverage—like with the help of Aflac supplemental insurance.

How supplemental insurance can complement your existing plan

If your health insurance isn’t offering enough coverage, Aflac provides supplemental critical illness, cancer, dental, vision, hospital, short-term disability, and accident insurance so you can choose which category you’d like more support in. Here’s how each works:

  • Critical illness insurance: Critical illness insurance helps provide coverage if you experience a life-changing illness.

  • Cancer insurance: Cancer insurance provides a cash payout that can help you cover expenses after receiving a cancer diagnosis.

  • Dental insurance: Dental insurance helps offer coverage for costs related to dental care so you can maintain good oral health.

  • Vision insurance: Receive coverage for preventative vision exams and other vision care services with a vision insurance plan.

  • Hospital insurance Hospital bills can add up quickly. Hospital insurance can give you a cash payout to help cover expenses as you recover.

  • Short-term disability insurance: With short-term disability insurance, you can receive income protection if a covered injury or sickness temporarily puts you out of work.

  • Accident insurance: Accident insurance provides a cash benefit that can help cover costs if you experience a covered accident.

Get supplemental health insurance from Aflac

Health insurance can help protect you from high medical costs. Now that you know a bit more about how to compare health insurance plans, you may better understand where you need more coverage. Aflac’s supplemental insurance plans can work with your health insurance plan to help provide a more enhanced coverage and better financial support. Start chatting with an agent and discover our diverse range of insurance products today.

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Learn more about Aflac products for Individuals & Families: