To our policyholders in areas affected by the recent hurricanes, please know that the thoughts and prayers of everyone at Aflac are with you. We are working with government agencies that represent all declared disaster areas to ensure we do everything possible to help you. Based on that guidance, we have extended the due dates for policy premiums by 60 days for those living in places that have been declared disaster areas. If you have a question about your policy or need help, contact us at 800-992-3522. To help with the recovery, Aflac made a $500,000 donation to the American Red Cross, and our employees are making their own private contributions. Please be safe, as the care of you and your families is paramount.
Guaranteed‐issue is available for select products, which means no underwriting questions.
May not be available in all states
Customizable benefit options designed to meet your clients' needs.
Offer a pre-tax saving account to supplement a variety of high deductible health plans.
Medical expenses don’t always come from an accident or critical illness; sometimes it starts with a visit to an urgent care clinic because of a sharp pain in the side. While health insurance typically covers some of the expense, your clients' employees will likely be responsible for a portion of the bill. Aflac Choice helps with those unexpected hospital expenses that may not be covered by health insurance. That way, your clients' employees may not have to sacrifice their vacation budget for those unexpected medical costs.
Aflac hospital insurance helps cover medical expenses resulting from a covered hospitalization.
Aflac hospital insurance helps protect your employees from unexpected medical bills due to a covered hospitalization.
and affordable weekly rates as low as the cost of a "Get Well Soon"card.3
† One Day PaySM available for most properly documented, individual claims submitted online through Aflac SmartClaim® by 3 p.m. ET. Aflac SmartClaim® is available on most Accident, Cancer, Hospital, Specified Health, and Intensive Care policies. Aflac processes most other claims in about four days. 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, 2017.
1The Burden of Medical Debt: Results from the Kaiser Family Foundation/NY Times Medical Bills Survey, Jan. 5, 2016, Pg. 2-3, accessed 9/21/2016. http://kff.org/health-costs/report/the-burden-of-medical-debt-results-from-the-kaiser-family-foundationnew-york-times-medical-bills-survey.
2The above example is based on four scenarios. Choice 1 Scenario: Policyholder has the Aflac Choice policy only; includes a Hospital Confinement Benefit of $1,500 and a Hospital Emergency Room Benefit of $100. Choice 2 Scenario: Policyholder has the Aflac Choice policy plus the Hospital Stay and Surgical Care Rider; includes the benefit amounts from Choice 1 Scenario (shown above), plus an Initial Assistance Benefit of $100, a Surgery Benefit (appendectomy) of $200, and a Daily Hospital Confinement Benefit of $300 (hospitalized for 3 days). Choice 3 Scenario: Policyholder has the Aflac Choice policy plus the Extended Benefits Rider; includes the benefit amounts from Choice 1 Scenario (shown above), plus a Physician Visit Benefit of $25, a Laboratory Test and X-Ray Benefit of $35, a Medical Diagnostic and Imaging Exams Benefit of $150, and an Ambulance Benefit of $200 (ground). Choice 4 Scenario: Policyholder has the Aflac Choice policy plus both the Extended Benefits Rider and the Hospital Stay and Surgical Care Rider; includes the benefit amounts from Choice 1 Scenario (shown above), plus a Physician Visit Benefit of $25, a Laboratory Test and X-Ray Benefit of $35, a Medical Diagnostic and Imaging Exams Benefit of $150, an Ambulance Benefit of $200 (ground), an Initial Assistance Benefit of $100, a Surgery Benefit (appendectomy) of $200, and a Daily Hospital Confinement Benefit of $300 (hospitalized for 3 days).
HOSPITAL - B40000 SERIES
In Arkansas, Policies B40100AR & B4010HAR. In Pennsylvania, Policies B40100PA & B4010HPA. In Texas, Policies B40100TX & B4010HTX. Policies may not be available in all states including but not limited to AZ, ID, NJ, NY, OK, & VA. The policies have limitations and exclusions that may affect benefits payable. Refer to the policies for complete details, limitations, and exclusions. For costs, complete details of the coverage and for policies available in your state, please contact your local Aflac agent.
3Assumes the average cost of a greeting card is $3.99*, and the average cost of postage to mail is $0.49**. Comparison is based on the average weekly premium for Nebraska Payroll Premium rates for industry Class A; Aflac Hospital Advantage Essentials - Option 1 Series A49100; Individual Age 18-75. Premiums may vary by coverage type, account, state of issue, and the election of additional/optional benefits.
*Source: Hallmark.com, 2015.
**Source: U.S. Postal Service, April 2015.