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Health insurance doesn’t cover it all

When you buy some forms of insurance, such as homeowners or auto insurance, you know what you’re getting: Once you’ve met the deductible, the insurance company handles the rest. But that’s not necessarily the case with health insurance. Even once clients’ employees have met their deductible, they may still be on the hook for significant expenses that health insurance doesn’t cover. Luckily, supplemental benefits can help ease the sticker shock of those unexpected bills.1

Health insurance may not be enough to fully protect bank accounts

Based on the ways other types of insurance work, many people may think once they meet their deductible — which could range anywhere from $500 up to a legal maximum of $14,000 for families2 — health insurance covers everything else. In truth, that can be just the beginning.

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$18,933
potential out-of-pocket cost for stitches after a bicycle accident.3

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$51,660
potential out-of-pocket cost for cancer treatment.4

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$108,000
potential out-of-pocket cost due to a heart attack.5

Supplemental insurance can pick up where health insurance stops, paying benefits directly to insureds, unless otherwise assigned, to help them manage their out-of-pocket medical and non-medical expenses.

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Accident insurance
For covered accidental injuries — minor and major.

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Hospital indemnity insurance
For covered admission or confinement to a hospital.

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Critical illness insurance
For serious and potentially life-changing covered illnesses and health events.

Contact your Aflac representative to learn how supplemental benefits can help counter the sticker shock of expenses health insurance doesn’t cover.