Help for those affected by recent natural disasters | Learn More

A message from Aflac

To our policyholders in areas affected by wildfires in designated California counties: Butte, Lake, Mendocino, Napa, Nevada, Orange, Solano, Sonoma, and Yuba, as well as those in areas affected by recent hurricanes in Puerto Rico and the Virgin Islands, please know that the thoughts and prayers of everyone at Aflac are with you. We are working with government agencies that represent all declared disaster areas, including those under emergency order, to ensure we do everything possible to help you. Based on that guidance, we have extended the due dates for policy premiums by 60 days for those living in places that have been declared disaster areas or are under emergency order. If you have a question about your policy or need help, contact us at 800-992-3522. To help with the recovery, Aflac made a $500,000 donation to the American Red Cross, and our employees are making their own private contributions. Please be safe, as the care of you and your families is paramount.

Un mensaje de parte de Aflac

A nuestros asegurados en las áreas afectadas por los recientes huracanes, queremos que sepan que todos en Aflac estamos pensando en, y orando por, ustedes. Estamos trabajando con agencias del gobierno que representan todas las áreas declaradas como zonas de desastre, para asegurarnos de hacer todo lo posible para ayudarles. Basándonos en su consejo, hemos extendido por 60 días las fechas de vencimiento de las primas de las pólizas de aquellos que viven en áreas declaradas como zonas de desastre. Si tiene una pregunta sobre su póliza o necesita ayuda, contáctenos al 800-992-3522. Para ayudar con la recuperación, Aflac ha donado $500,000 a la Cruz Roja Americana y nuestros empleados están efectuando sus propias donaciones. Por favor cuídense, ya que su bienestar y el de sus familias está por encima de todo.

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dollar-bagIf you’ve ever experienced an injury or illness requiring a hospital stay, you know just how expensive it can be – even after major medical insurance pays its share. Hospital inpatient care accounts for nearly one-third of U.S health care costs: The average length of a hospital stay is 4.5 days at an average cost of $10,400 per stay.1

The sky-high cost of hospitalization is driving a growing need for voluntary hospital indemnity insurance.

What is hospital indemnity insurance?

dollarA voluntary hospital confinement indemnity insurance policy is one of many plans employers can make available to help workers cope with costs associated with a hospital stay. These policies help with costs major medical may not pay. In the event of hospitalization, participants receive cash benefits, unless otherwise assigned, that can be used to help pay daily living expenses, such as rent, gas, groceries, utilities and other necessities. Benefits are predetermined and are paid regardless of any other insurance in place. It’s important to note that while some hospital indemnity plans provide only hospitalization benefits, other plans may be more far-reaching and provide benefits for diagnostic procedures, outpatient surgery and transportation by ambulance.

Hospital indemnity insurance is becoming more popular as employers implement consumer-driven health care plans. These include high-deductible plans and health savings accounts, or HSAs, which shift more out-of-pocket costs onto workers. Features of hospital indemnity plans may include:

  • No deductibles or copayments.
  • HSA compatibility.
  • No networks, so policyholders can be treated at the hospitals of their choice.
  • No precertification requirements.
  • Portability, which meanspolicyholders can retain theircoverage even if they change jobs.

Who needs hospital indemnity insurance?

Generally speaking, all employees are susceptible to injuries or illnesses requiring a hospital stay – which means they’re all candidates for voluntary hospital indemnity insurance. This type of coverage can help give workers confidence that unforeseen difficulties may not have such an impact on their financial security.

hospital-invoiceIndividuals who are concerned about how they’d pay the bills if they were hospitalized should consider hospital indemnity insurance. Why? Because even the best major medical insurance doesn’t typically cover an entire hospital invoice. For example, there are copayments and deductibles to consider. There are also other factors to think about, such as transportation and meals for family members, help with child care costs and sometimes even lost income. These surprise expenses add up quickly and often force people to dip into their savings or borrow money.

Work-Forces-ReportAccording to the 2017 Aflac WorkForces Report, 65 percent of American workers have less than $1,000 on hand to pay out-of-pocket expenses associated with an unexpected serious illness or accident. What’s more, 53 percent would borrow from a 401(k) and/or use a credit card to cover out-of-pocket expenses for an unexpected medical event.2

Just one hospital stay can impact an employee’s finances. It’s a simple fact, but it’s one that underscores the importance of hospital indemnity insurance and the financial protection it can help provide.