Aflac policies are considered HIPAA excepted benefits because they are not major medical health insurance. This means they’re offered separately from major medical coverage and are not an integral part of an individual’s health plan. Being excepted, these benefits are generally excluded from rules and regulations designed for major medical insurance.
Helps reduce the financial impact of a covered accident by providing cash benefits.
Critical Illness (Specified Health Event)
Helps with out-of-pocket costs if you experience a covered health event.
Lump-Sum Critical Illness
Provides a lump-sum cash benefit if you’re diagnosed and treated for a covered critical illness event.
Hospital Confinement Indemnity
Helps ease the financial burden associated with hospital stays due to a covered accident or illness by providing cash benefits.
Provides benefits for covered dental exams and procedures.
Helps with the costs of covered vision exams, treatments and correction materials.
Provides a lump-sum cash benefit if you’re diagnosed with a covered cancer.
Helps with the costs associated with covered treatments.
Provides you with a source of income if you’re disabled due to a covered accident or illness.
Life and Juvenile Life
Helps with unexpected costs if something happens to you or a covered dependent.
Coverage is underwritten by American Family Life Assurance Company of Columbus. WWHQ | 1932 Wynnton Road | Columbus, GA 31999. In New York, coverage is underwritten by American Family Life Assurance Company of New York. 22 Corporate Woods Boulevard, Suite 2 | Albany, New York 12211.
1 The Commonwealth Fund (2017). How Well Does Insurance Coverage Protect Consumers from Health Care Costs? Accessed on Jan. 31, 2019, from https://www.commonwealthfund.org/publications/issue-briefs/2017/oct/how-well-does-insurance-coverage-protect-consumers-health-care?redirect_source=/publications/issue-briefs/2017/oct/insurance-coverage-consumers-health-care-costs.
2 The Henry J. Kaiser Family Foundation (2018). The 2018 Employer Health Benefits Survey. Accessed on Jan. 31, 2019, from http://www.kff.org/report-section/2018-employer-health-benefits-survey-summary-of-findings/.
3 PwC Health Research Institute (2018). Top health industry issues of 2019. Accessed on Feb. 4, 2019, from https://www.pwc.com/us/en/industries/health-industries/top-health-industry-issues.html.
4 New York Times (2018). Getting Sick Can Be Really Expensive, Even for the Insured. Accessed on Jan. 31, 2019, from https://www.nytimes.com/2018/03/21/upshot/getting-sick-is-really-expensive.html.