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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.
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.
Don’t wait until it’s too late. Help cover yourself and your family with affordable coverage from Aflac.
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.
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 missed by your primary health insurance plan. You can choose which coverage category you need better support in. Exploring Aflac’s range of plans may be just what you need to round out your coverage.
There are a few different kinds of plans that 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 must do the paperwork involved in filing claims themselves.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
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.
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.
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.
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:
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.
1 Investopedia – Health Insurance: Definition, How it Works. Updated July 21, 2024. Accessed September 12, 2024. https://www.investopedia.com/terms/h/healthinsurance.asp.
2 eHealth – POS Health Insurance Plans. Accessed September 12, 2024. https://www.ehealthinsurance.com/health-plans/pos.
3 Investopedia – Preferred Provider Organization (PPO): Definition and Benefits. Updated August 13, 2023. Accessed September 12, 2024. https://www.investopedia.com/terms/p/preferred-provider-organization.asp#.
Accident
Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York.
Accident: A36000: In Delaware, Policies A36100DE—A36400DE, & A363OFDE. In Idaho, Policies A36100ID–A36400ID, & A363OFID. In Oklahoma, Policies A36100OK– A36400OK, & A363OFOK. In Virginia, Policies A36100VA – A36400VA, & A363OFVA. 37000: In DE, Policies A371AA & A371BA. In ID, Policy A37000ID. In OK, Policy A37000OK. In VA, Policies A371AAVA & A371BAVA. 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. Hospital: B4000: In Delaware, Policies B40100DE & B4010HDE. In Idaho, Policies B40100ID & B4010HID. In Oklahoma, Policies B40100OK & B4010HOK. In Virginia, Policies B40100VA & B4010HVA. Critical Illness: In Delaware, Policies A73100DE & A7310HDE. Policies B71100, B71200, B7130H & B7140H. In Oklahoma, Policies A73100OK & A7310HOK. Policies B71100OK & B7110HOK. In Virginia, Policy A73100VA. Dental: 8100: In Delaware, Policies A81100-A81300. In Idaho, Policies A81100ID-A81300ID. In Oklahoma, Policies A81100OK-A81300OK. In Virginia, Policies A81100VA -A81200VA. 8200: In Delaware, Policies A82100R-A82400R. In Idaho, Policies A82100RID-A82400RID. In Oklahoma, Policies A82100ROK-A82400ROK. In Virginia, Policies A82100RVA-A82400RVA. STD: 57600: In Delaware, Policies A57600DE & A57600LB. In Idaho, Policy A57600IDR. In Oklahoma, Policies A57600OK & A57600LBOK. In Virginia, Policies A57600VA & A57600LBVA. Vision: In Delaware, Policy VSN100. In Idaho, Policy VSN100ID. In Oklahoma, Policy VSN100OKR. In Virginia, Policy VSN100VA.
Cancer/Specified-Disease
Coverage underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance does business as Tier One Insurance Life Insurance Company (Tier One NAIC 92908).
Cancer/Specified-Disease: In Delaware, Policy T70000. In Idaho, Policy T70000ID. In Oklahoma, Policy T70000OK. In Virginia, policies T70000VA & T70000GVA. Not available in NY. Accident: In Delaware, Policy T37000. In Idaho, Policies T37100IDR, T37200IDR, & T37300IDR.In Oklahoma, Policy T37000OK. In Virginia, Policies T37100VA, T37200VA, T37300VA, T37400VA, T37600VA. Not available in NJ or NY. Critical Illness: In Delaware, Policy T71000. In Oklahoma, Policy T71000OK. In Virginia, Policy T71100VA. Not available in ID or NY.
Dental: In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. Not available in NJ, NY or VA. Dental claims are administered by Aflac Benefits Solutions, Inc. Vision claims are administered by EyeMed Vision Care, LLC. Hearing claims are administered by Nations Hearing. NOTICE: The coverage offered is not a qualified health plan (QHP) under the Patient Protection and Affordable Care Act (ACA) and is not required to satisfy essential health benefits mandates of the ACA. The coverage provides limited benefits. Tier One Insurance Company is part of the Aflac family of insurers.
Critical Illness
Lump Sum Critical Illness (73100 series)
In Arkansas, Policies A73100AR & A7310HAR. 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.
Lump Sum Critical Illness (B71000 series)
In Arkansas, Policies B71100AR & B7110HAR. In Oklahoma, Policies B71100OK & B7110HOK. In Oregon, Policies B71100OR & B7110HOR. In Pennsylvania, Policies B71100PA & B7110HPA. In Texas, Policies B71100TX & B7110HTX.
Life
Life (63000 series)
In New York, Policies NYRRR63100, NYR63200, NYR63300, & NYR63500.
Life (64000 series)
In Arkansas, Policies A64100AR, A64200AR, A64300AR, & A64500AR. In Oregon, Policies A64100OR, A64200OR, A64300OR, & A64500OR. In Idaho, Oklahoma, Pennsylvania, Texas, and Virginia, Policies ICC64100, ICC64200, ICC64300, & ICC64500. Life (68000 series)
In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, & Virginia, Policies: ICC1368100, ICC1368200, ICC1368300, ICC1368400.
Juvenile Life (65000 series)
In Arkansas, Policies A65JTORAR & A65JWOAR. In New York, Policies NY65JTO & NYR65JWO. In Oregon, Policies A65JROROR & A65JWOOR. In Idaho, Oklahoma, Pennsylvania, Texas and Virginia, Policies ICC0965JTO & ICC0965JWO.
Term & Whole Life (B60000 series)
In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, & Virginia, Policies: ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400.
Dental
Dental (81000 series)
In Arkansas, Policies A81100AR – A81400AR. In Idaho, Policies A81100ID – A81400ID. In New York, Policies NY81100 – NY81400. In Oklahoma, Policies A81100OK – A81400OK. In Oregon, Policies A81100OR – A81400OR. In Pennsylvania, Policies A81100PA – A81400PA. In Texas, Policies A81100TX – A81400TX. In Virginia, Policies A81100VA – A81300VA.
Dental (82000 series)
In Arkansas, Policies A82100RAR – A82400RAR. In Idaho, Policies A82100RID – A82400RID. In New York, Policies NY82100 – NY82400. In Oklahoma, Policies A82100ROK – A82400ROK. In Oregon, Policies A82100ROR – A82400ROR. In Pennsylvania, Policies A82100RPA – A82400RPAR. In Texas, Policies A82100RTX – A82400RTX. In Virginia, Policies A82100RVA – A82400RVA.
Vision – VSN100 series
In Arkansas, Policy VSN100AR. In Idaho, Policy VSN100ID. In New York, Policy NYVSN100. In Oklahoma, Policy VSN100OKR. In Oregon, Policy VSN100OR. In Pennsylvania, Policy VSN100PA. In Texas, Policy VSN100TX. In Virginia, Policy VSN100VA.
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.
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.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999
Z2400839
EXP 9/25
