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Welcome to Aflac

If you’re looking for help with expenses
health insurance doesn’t cover, you’ve
come to the right place. Let Coach Saban
and the Aflac duck tell you how to get cash
when you need it most.
Check out what they have to say.

I would like coverage for:

Myself

My Employees

Make sure you are fully covered.

Open Enrollment starts here.

How prepared are you
to cover unplanned
out-of-pocket costs?

Fifty-eight percent of Americans have less than $1,000 to spend on out-of-pocket expenses.^‡ When unexpected healthcare costs like these come your way, there’s Aflac. See how we can help meet your needs.

Heart Attack
Broken Leg
Asthma
Colorectal Cancer
Lung Cancer
Stroke
Show more+
Breast Cancer
Prostate Cancer
Pneumonia
Leukemia
Show less -

Heart Attack
Broken Leg
Colorectal Cancer
Lung Cancer
Stroke
Asthma
Breast Cancer
Prostate Cancer
Pneumonia
Leukemia

Cost Calculator

Medical Expenses $125,013

Avg. Insurance Coverage 60%

Remaining Expenses^*

$50,005

Aflac Supplemental Coverage:

Accident

up to $2,450

Hospital

up to $2,450

Short-Term Disability

up to $2,720

Critical Care & Recovery

up to $9,859

Cancer/Specified-Disease

up to $9,859

Aflac pays you:

$15,049

The Aflac Duck pointing it's wing

When life gives you setbacks, Aflac is here to help you make a comeback.

Accident

Get peace of mind and help paying for emergency treatment.

Individual

Business
Cancer

Get help coping with the financial and emotional effects of cancer.

Individual

Business
Critical Illness

Get help with the cost of treating covered critical illnesses.

Individual

Business
Dental

Get the benefits you need—with no networks or deductibles.

Individual

Business
Hospital

Help keep high deductibles from derailing your life plans.

Individual

Business
Life

Help protect the financial future of your loved ones.

Individual

Business
Short-Term Disability

Help ease the financial stress caused by a covered injury.

Individual

Business
Vision

Find the care you need to help maintain healthy vision.

Individual

Business

Accident

Get peace of mind and help paying for emergency treatment.

cancer ribbon icon

Cancer

Get help coping with the financial and emotional effects of cancer.

Critical Illness

Get help with the cost of treating covered critical illnesses.

Dental

Get the benefits you need—with no networks or deductibles.

Hospital

Help keep high deductibles from derailing your life plans.

person with heart icon

Life

Help protect the financial future of your loved ones.

Short-Term Disability

Help ease the financial stress caused by a covered injury.

Vision

Find the care you need to help maintain healthy vision.

Ready to take the next step to protect your future?

Ready to take the next step to protect your future?

I would like coverage for:

Myself

My Employees

© 2019 AFLAC INCORPORATED

Individual 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.
Worldwide Headquarters | 1932 Wynnton Road | Columbus, GA 31999

†One Day Pay^SM is available for certain individual claims submitted online through the Aflac SmartClaim® process. Claims may be eligible for One Day Pay processing if submitted online through Aflac SmartClaim®, including all required documentation, by 3 p.m. ET. Documentation requirements vary by type of claim; please review requirements for your claim(s) carefully. Aflac SmartClaim® is available for claims on most individual Accident, Cancer, Hospital, Specified Health, and Intensive Care policies. Processing time is based on business days after all required documentation needed to render a decision is received and no further validation and/or research is required. Individual Company Statistic, 2019.

‡All statistics sourced from the Aflac "2018 Aflac WorkForces Report".

^*The information provided in the Benefits Estimator is illustrative only. Plans may not be available in all states, and benefits may vary by state, coverage, and plan level selected. Policies have limitations and exclusions that may affect benefits payable. The Aflac payout values do not guarantee an amount to be paid for the listed conditions. Benefits paid by Aflac (if any) will depend on the severity of the accident or illness, the physician diagnosis, and the treatment received. The "Aflac Pays You" data is an average of historical payments made to Aflac policyholders/certificateholders who qualified for benefits under their specific plans and does not reflect instances when benefits were not paid for a particular claim. Whether benefits are payable will be determined when a claim is processed. You must be 18 or older to apply for Aflac insurance. Availability varies by product; see your local Aflac agent for details. The out-of-pocket expenses displayed are estimated at 40% of the total medical cost, assuming that average major medical plans cover approximately 60% of the expense. Your major medical coverage may be more or less, and if an individual or family incurs expenses for non-covered benefits, these out-of-pocket expenses may increase potential unexpected costs. You will also need to pay for any limits or exclusions on your benefits which may include the number of refills for certain drugs, visits to certain specialists, or days covered for certain benefits. View Data Sources to see our underlying sources for the data provided in this calculator.

Disclaimer + Disclaimer -

Aflac’s Benefits Estimator is an innovative tool to help you understand the real costs associated with illnesses or injuries. These costs include:

Expenses not covered by major medical, such as deductibles and co-pays
Out-of-pocket costs for things like follow-up medical appointments

The Calculator incorporates data from numerous public sources (including public health, healthcare providers and voluntary health organizations) to show the average costs of a variety of medical conditions. The data presented in this tool is for illustrative purposes only. The Aflac policy payout values are averages; and are not guarantees of an amount to be paid for the listed conditions. Aflac payout data shown is based on historical claims over a 10-year period, across all product plans in force at the time. The values represent the average amount of claims paid to a policyholder with the condition over the timeframe (2007-2017). Aflac policies are not available in all states and may vary by state and plan level. Benefits payable are determined at time of claim. The information provided in the Benefits Estimator tool is illustrative only. The Aflac payout values do not guarantee an amount to be paid for the listed conditions. Plans may not be available in all states, and benefits may vary by state, coverage, and plan level selected. Benefits are payable at the time a claim is processed.

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