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How critical illness coverage helps employees

Even after paying the ever-rising premiums, many Americans fi nd themselves struggling to pay expenses their health insurance doesn’t cover in the event of a critical illness. That’s not surprising, given the increasing costs of treatment, care, copayments and deductibles.

Health insurance can be costly and isn’t designed to cover all the treatment costs needed for a critical illness.

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2x

Average family premiums have increased at least twice as fast as wages since 2010.1

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31%

of covered workers have a high
deductible plan.2

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$100,000

Even with health insurance that provides 80% coverage, the remaining 20% for a major surgery can exceed $100,000.3

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20%

of cancer patients and their families estimated spending more than $20,000 each year in total out-of-pocket costs.4

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$2,000

Patients with heart disease typically have out-of-pocket costs of more than $2,000 per year.5

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2/3

of people who file for bankruptcy cite medical issues as a key contributor to their
financial downfall.6

Critical illness coverage helps with expenses health insurance doesn’t cover if employees experience:

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Cancer 1.8 million new patients a year.7

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Stroke 795,000 cases a year.8

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Major organ transplant 36,000 a year.9

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Kidney failure 750,000 cases a year.10

Even a $5,000 benefit payment can be a big help with treatment and recovery expenses:

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Meeting the minimum family deductible of a highdeductible health plan, with up to $2,200 left over.11

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A treadmill to help with rehabilitation.12

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197

Uber rides to health care appointments.13

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39

Home visits with a registered dietitian.14

Ask your Aflac representative for more information about critical illness options for your employees.