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Customer Care Hours:
Monday – Friday: 8AM to 9PM (ET)
Capital Region Health Park
Suite 301
711 Troy-Schenectady Rd
Latham, NY 12110
Don’t wait until it’s too late. Help cover yourself and your employees with affordable coverage from Aflac.
1 Centers for Disease Control and Prevention. Why Eye Exams Are Important. Published: May 15, 2024. Accessed: Sept. 17, 2024. https://www.cdc.gov/vision-health/about-eye-disorders/why-eye-exams-are-important.html.
AFLAC VISION – QNV1000 SERIES
Aflac vision insurance products will be underwritten by American Family Life Assurance Company of Columbus. Aflac WWHQ | 1932 Wynnton Road | Columbus, GA 31999.
In New York, coverage will be underwritten by American Family Life Assurance Company New York. 22 Corporate Woods Boulevard, Suite 2 | Albany, New York 12211.
This is a brief product overview only. Coverage may not be available in all states, including but not limited to NM. Benefits/premium rates may vary based on state and plan levels. Please see coverage documentation applicable to your situs state for further details.
Optional riders may be available at an additional cost. Certificate and riders may also contain a waiting period. Refer to the exact certificate and rider forms for benefit details, definitions, limitations, and exclusions.
NOTICE: The coverage offered is not a qualified health plan (QHP) under the Patient Protection and Affordable Care Act (ACA) and is not required to satisfy essential health benefits mandates of the ACA. The coverage provides limited benefits.
Applies to Policy Series QNV1000. In Arkansas, policy form QNV1100MAR. In Idaho, QNV1100MID. In New York, NYQNV1100M. In Oklahoma, policy form QNV1100MOK. In Oregon, policy form QNV1100MOR and QNV1100MORS. In Pennsylvania, QNV1100MPA.
Arizona Limitations and Exclusions
Limitations
Eyeglass lenses and frames are paid in lieu of the contact lenses benefit. Contact lenses are payable in lieu of eyeglass lenses and frames. Dilation is covered in full under the vision exam benefit only if required by state law or done for one of the following conditions: central vision loss, photopsia, floaters, high myopia, diabetes or history of ocular surgery, ocular trauma or ocular disease.
Exclusions
No benefits are payable for any of the following conditions, services, procedures and/or materials, unless otherwise specifically listed as a covered benefit in the Schedule of Benefits:
Idaho Limitations and Exclusions
Limitations
Eyeglass lenses and frames are paid in lieu of the contact lenses benefit. Contact lenses are payable in lieu of eyeglass lenses and frames. Dilation is covered in full under the vision exam benefit only if required by state law or done for one of the following conditions: central vision loss, photopsia, floaters, high myopia, diabetes or history of ocular surgery, ocular trauma or ocular disease.
Exclusions
No benefits are payable for any of the following conditions, services, procedures and/or materials, unless otherwise specifically listed as a covered benefit in the Schedule of Benefits:
No benefits are payable for services performed by a member of the insured person’s family. Insured person’s family is limited to a spouse, siblings, parents, children, grandparents, and the spouse’s siblings and parents.
New Jersey Limitations and Exclusions
Limitations
Eyeglass lenses and frames are paid in lieu of the contact lenses benefit. Contact lenses are payable in lieu of eyeglass lenses and frames. Dilation is covered in full under the vision exam benefit only if required by state law or done for one of the following conditions: central vision loss, photopsia, floaters, high myopia, diabetes or history of ocular surgery, ocular trauma or ocular disease.
Exclusions
No benefits are payable for any of the following conditions, services, procedures and/or materials, unless otherwise specifically listed as a covered benefit in the Schedule of Benefits:
No benefits are payable for services performed by a member of the insured person’s family. Insured person’s family is limited to a spouse, siblings, parents, children, grandparents, and the spouse’s siblings and parents.
Virginia limitations and exclusions
Limitations
Eyeglass lenses and frames are paid in lieu of the contact lenses benefit. Contact lenses are payable in lieu of eyeglass lenses and frames. Dilation is covered in full under the vision exam benefit only if required by state law or done for one of the following conditions: central vision loss, photopsia, floaters, high myopia, diabetes or history of ocular surgery, ocular trauma or ocular disease.
Exclusions
No benefits are payable for any of the following conditions, services, procedures and/or materials, unless otherwise specifically listed as a covered benefit in the Schedule of Benefits:
No benefits are payable for services performed by a member of the insured person’s family. Insured person’s family is limited to a spouse or lawful domestic partner, siblings, parents, children, grandparents, and the spouse’s or lawful domestic partner’s siblings and parents.
AGC2401358
