Build buyer confidence and loyalty with strategies that help clients meet short- and long-term demands
Today’s age of healthcare consumerism demands innovative approaches that build buyer confidence and strong perceived value – the personal, constantly shifting measure of what consumers pay and feel they get in return. While voluntary benefit purchasing decisions are largely based on perceived needs, peace-of-mind for “what if” scenarios is no longer acceptable to consumers who increasingly demand immediate returns on their sacrifice of precious discretionary dollars.
Aligning with a carrier that provides solutions balancing the importance of long-term value and immediate returns can help you and your clients adapt to changing consumer expectations and be more competitive in today’s benefits market.
Aflac offers Health Advocacy, Medical Bill SaverTM and Telemedicine services in all group accident, group hospital indemnity and group critical illness plans. We cover the entire cost, which would run more than $5 per employee per month if purchased directly through service providers. When you offer these Aflac group plans, you’re helping clients add more value to their benefits – without adding to their budget – and helping them meet employee demands for products with immediate returns that help address key healthcare-related challenges from day one: navigating the complex healthcare environment; identifying low-cost options and alternatives; and reducing out-of-pocket expenses.
Seize opportunities to increase buyer confidence in their voluntary benefit purchasing decisions - offer clients and employees solutions that provide long-term value and immediate returns. Talk with your Aflac broker sales professional today about value-added services embedded in our group accident, group critical illness and group hospital indemnity plans.
Group coverage is underwritten by Continental American Insurance Company (CAIC), a wholly-owned subsidiary of Aflac Incorporated. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. For groups situated in California, group coverage is underwritten by Continental American Life Insurance Company. For individual coverage in New York or coverage for groups situated in New York, coverage is underwritten by American Family Life Assurance Company of New York.
Continental American Insurance Company • Columbia, South Carolina
Value Added Services are not available in Idaho or Minnesota. Value Added Services are also not available with group plans underwritten by American Family Life Assurance Company of New York. State availability may vary.
Telemedicine by MeMD
Due to Arkansas state regulations, insureds physically located in Arkansas at the time of a telemedicine session may only receive consultation services from physicians. Physicians are prohibited from providing diagnoses or prescribing drugs to persons located in Arkansas at the time of service.
Medical Bill Saver through Health Advocate
Medical Bill Saver has restrictions for negotiations on in-network deductibles and co-insurance in Arizona, Colorado, District of Columbia, Illinois, Indiana, New Jersey, New York, North Carolina, Ohio, South Dakota, Texas, Utah and Vermont.
This offering may not supersede the terms and conditions of any existing contract the client has with Health Advocate. Health Advocate reserves the right to refuse any client group through Aflac if the client group cancels a pre-existing contract with Health Advocate prior to expiration date of the contract.
CAIC’s affiliation with the Value-Added Service providers is limited only to a marketing alliance, and CAIC and the Value-Added Service providers are not under any sort of mutual ownership, joint venture, or are otherwise related. CAIC makes no representations or warranties regarding the Value-Added Service Providers, and does not own or administer any of the products or services provided by the Value-Added Service providers. Each Value-Added Service Pro - vider offers its products and services subject to its own terms, limitations and exclusions. Services, Terms and conditions are subject to change and may be withdrawn at any time.