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Health insurance wasn’t designed to 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 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.

Health insurance may not be enough

Based on the ways other types of insurance work, people may think once they meet their deductible, health insurance covers the rest. With the average annual deductible being $5,940,1 and the legal out-of-pocket maximum for an individual being $8,700,2 that leaves a lot of exposure. And unfortunately, there can be treatment costs over and above those.

Even with health insurance, the out-of-pocket costs can be sizeable — not counting costs for ongoing treatment and medications.

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up to the annual maximum: potential out-of-pocket cost for back surgery3

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potential out-of-pocket cost for cancer treatment.4

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potential out-of-pocket cost due to a heart attack.5

Supplemental insurance can pick up where health insurance stops, paying benefits* to help employees 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 with expenses health insurance doesn’t cover.