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How critical illness insurance helps employees

Even after paying the ever-rising premiums, many Americans find 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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Annual family premiums climbed 7% on average in 2023.1

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of covered workers have a high
deductible plan.2

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

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3 out of 4

people with cancer worry about how they will pay for the treatment and keep up with their day-today costs.4

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A year’s worth of out-of-pocket expenses for a heart condition often exceeds $2,000.5

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No. 1

Medical bills are reported to be the number-one cause
of bankruptcies in America.6

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

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Cancer 1.9 million new patients a year.7

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Stroke 795,000 cases a year.8

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Major organ transplant Over 46,000 a year.9

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Kidney failure Every 24 hours, 360 people begin dialysis treatment for kidney failure.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 $1,800 left over.11

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A treadmill to help with rehabilitation.12

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Uber or Lyft rides to health care appointments.13

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Home visits with a registered dietitian.14

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

Offer Aflac to your employees.

Companies choose to make Aflac policies available to increase benefits options without impacting their bottom line.