Ohio Consumers and Field Force members affected by severe storms and flooding beginning on Feb. 19, 2018:
To help provide relief for Ohio policyholders and field force members in counties that have been declared disaster areas by the Ohio Department of Insurance, Aflac has enacted the following measures:
Indiana Consumers and Field Force members affected by severe storms and flooding beginning on Feb. 15, 2018:
To help provide relief for Indiana policyholders and field force members in counties that have been declared disaster areas by the Indiana Department of Insurance, Aflac has enacted the following measures:
Protect your employees with cash to cover their bills in the event of sickness or injury. And now they can get their claims paid in a day.
Give your employees portable coverage options, so they can take the plan with them if they change jobs or retire.
Give your employees the options of treatment-based benefits that pay over time or lump-sum benefits paid upon initial diagnosis.
Policyholder suffers from frequent infections and high fevers.
Physician visit & bone marrow biopsy reveals diagnosis of leukemia.
Policyholder submits via Aflac SmartClaim® by 3pm and receives benefits in just a day.
Payable to: Policyholder
$35,175
and affordable weekly rates as low as a gallon of milk.8
Companies choose to make Aflac policies available to increase benefits options without impacting their bottom line.
† One Day PaySM 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, 2018.
1American Cancer Society. Cancer Facts & Figures 2017. Atlanta: American Cancer Society; 2017. Accessed: December 13, 2017. https://www.cancer.org/content/dam/cancer-org/research/cancer-facts-and-statistics/annual-cancer-facts-and-figures/2017/cancer-facts-and-figures-2017.pdf.
2The above example is based on a scenario for Aflac Cancer Care – Classic (domicile state) that includes the following benefit conditions: Physician visit (Cancer Wellness Benefit) of $75, bone marrow biopsy (Surgical/Anesthesia Benefit) of $125, NCI Evaluation/Consultation Benefit of $500, Initial Treatment Benefit of $4,000, venous port (Surgical/Anesthesia Benefit) of $125, Injected Chemotherapy Benefit (10 weeks) of $6,000, Immunotherapy Benefit (3 months) of $1,050, Anti-nausea Benefit (3 months) of $300, Hospital Confinement Benefit (10‐week hospitalization) of $22,000, Blood/Plasma Benefit (10 transfusions) of $1,000. Benefits may vary by state, benefit option, and level of coverage selected. Review your state‐specific brochure below for a “How It Works” scenario customized for your state.
A78000 SERIES, CANCER CARE
In Arkansas, Policies A78100AR-A78400AR. In Idaho, Policies A78100ID–A78400ID. In New York, Policies NY78100–NY78400. In Oklahoma, Policies A78100OK–A78400OK. In Oregon, Policies A78100OR–A78400OR. In Pennsylvania, Policies A78100PA–A78400PA. In Texas, Policies A78100TX–A78400TX. This is a brief product overview only. Coverage may not be available in all states including but not limited to Virginia. Benefits/premium rates may vary based on plan selected. Optional riders are available at an additional cost. The policy has limitations and exclusions that may affect benefits payable. Refer to the policy for complete details, limitations, and exclusions. For costs and complete details of the coverage, please contact your local Aflac agent.
Limitations and Exclusions for residents of Arizona:
We pay only for treatment of Cancer and Associated Cancerous Conditions, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered); complications of either Cancer or an Associated Cancerous Condition; or any other disease, sickness, or incapacity. The Initial Diagnosis Benefit is not payable for:
Limitations and Exclusions for residents of Idaho:
We pay only for treatment of Cancer, Associated Cancerous Conditions, or other conditions or diseases directly caused, complicated or aggravated by or resulting from Cancer or an Associated Cancerous Condition, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered); or any other disease, sickness, or incapacity. The policy contains a 30-day waiting period. If a Covered Person has Cancer or an Associated Cancerous Condition diagnosed before his or her coverage has been in force 30 days, benefits for treatment of that Cancer or Associated Cancerous Condition will apply only to treatment occurring on or after 31 days from the Effective Date of such person’s coverage. At your option, you may elect to void the coverage and receive a full refund of premium. The Initial Diagnosis Benefit is not payable for:
Limitations and Exclusions for residents of New Jersey:
We pay only for treatment of Cancer and Associated Cancerous Conditions, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered) or complications of any other disease, sickness, or incapacity. The Initial Diagnosis Benefit is not payable for the diagnosis of Nonmelanoma Skin Cancer. Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void. Aflac will not pay benefits whenever fraud is committed in making a claim under this coverage or any prior claim under any other Aflac coverage for which you received benefits that were not lawfully due and that fraudulently induced payment.
3 Diagnosis & Treatment: Treatment Choices for Non-Small Cell Lung Cancer, by Stage, Cancer.org. Last Revised: June 23, 2017.
https://www.cancer.org/cancer/non-small-cell-lung-cancer/treating/by-stage.html.
Assumes Stage 2 lung cancer, multiple rounds of chemotherapy and recovery time on a yearly basis.
Treatment Duration: Living as a Non-Small Cell Lung Cancer Survivor. Cancer.org. Last Revised: May 16, 2016.
https://www.cancer.org/cancer/non-small-cell-lung-cancer/after-treatment/survivorship.html.
Assumes Stage 2 lung cancer, multiple rounds of chemotherapy and recovery time on a yearly basis.
Costs of diagnosis and treatment(s) are based on:
Diagnostic - X-ray (1 Chest): $112.00
Source: https://healthcarebluebook.com/page_ProcedureDetails.aspx?cftId=137&g=X-Ray%3a+Chest.
Diagnostic - Bronchoscopy (1 with biopsy): $4,928.00
Source: https://healthcarebluebook.com/page_ProcedureDetails.aspx?cftid=363&g=Bronchoscopy&directsearch=true.
treatment - Lung Surgery (with tissue Removal) (1): $22,611.50
Source: https://healthcarebluebook.com/page_ProcedureDetails.aspx?cftId=682&g=Lung+Surgery+(tissue+removal).
Treatment - Chemotherapy (intravenous chemotherapy costs typically include the doctor fee, drug administration fee, drug cost and possibly facility fee, depending on how it is administered.) (1): $105,000.00
Source: http://health.costhelper.com/chemo.html.
Treatment - Radiation (1): $30,000.00
Source: https://healthcarebluebook.com/page_ProcedureDetails.aspx?cftId=172&g=Radiation+Therapy.
Follow Up - Follow up visit (104 visits): $427.00 ea.
Source: https://healthcarebluebook.com/page_ProcedureDetails.aspx?cftId=226&g=Office+Visit%2c+Established+Patient+(~25+min.).
Total Cost: $207,059.00
Assumes Stage 2 lung cancer, multiple rounds of chemotherapy and recovery time on a yearly basis.
4 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.
5 Average cost of Private College. What's the Price Tag for a College Education? Collegedata, 2017. http://www.collegedata.com/cs/content/content_payarticle_tmpl.jhtml?articleId=10064.
6 How to Save Money on a Trip to Hawaii, Cameron Huddleston. March 2, 2015. Assumes average airfare, $1340 per person, average hotel, $271 per night for 5 nights, Rental car $35 per day for 5 days, food, $35 per day for average total of $3095. Per person. http://www.kiplinger.com/article/spending/T059-C011-S001-how-to-save-money-on-a-trip-to-hawaii.html.
7 Average Cost of a 5 day ski vacation to Salt Lake, UT. North America's most and least affordable ski destinations. Fox News, December 12, 2012. Assumes 5 days of the following daily costs hotel $121.32, ski gear rental, $31.65, lift ticket, $74.75, food $38.05, for an average total of $1707.00 per person. Does not include airfare. http://www.foxnews.com/travel/2012/12/12/north-america-most-budget-friendly-and-most-expensive-ski-destinations.html.
8 Assumes the average cost of a gallon of whole fresh milk is $3.18*. Comparison is based on the average weekly premium for Aflac Preferred Cancer Care Policy Series A78100; Individual/One-Parent Family ages 18-75. Premiums may vary by coverage type, account, state of issue, and the election of additional/optional benefits.
*Source: Bureau of Labor Statistics, August, 2017.
