Help for those affected by the hurricanes | Learn More

A message from Aflac

To our policyholders in areas affected by the recent hurricanes, 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 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. 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.

How is Aflac different from major medical?

It’s not like major medical coverage because it pays policyholders cash benefits when they’re sick or injured to help protect their financial security and way of life.

Here are just a few more ways that Aflac isn’t like regular insurance:

  1. Aflac pays policyholders directly, unless otherwise assigned, to help provide for out-of-pocket expenses such as travel costs for treatment, mortgage or bill payments while you’re out of work, child care or other unexpected costs.
    Major medical pays doctors and hospitals for covered expenses, such as treatments, procedures and prescriptions.

  2. Aflac is portable, even if your employment changes.
    Major medical isn’t transferable when you change jobs or become unemployed.

  3. Aflac pays you regardless of what your major medical plan pays.
    Major medical coordinates with multiple plans to determine the claims paid.

Policies that qualify as HIPAA excepted benefits

Aflac policies are considered HIPAA excepted benefits because they are not major medical health coverage. This means they are 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 coverage.1

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Accident

Reduces the financial impact of an accident by providing cash benefits.
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Critical Illness
(Specified Health Event)

Helps with out-of-pocket costs if you experience a covered health event, such as a heart attack, stroke or paralysis.
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Lump-Sum Critical Illness

Provides a lump-sum cash benefit if you’re diagnosed or treated for a covered critical illness event, such as a heart attack, stroke or paralysis.
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Hospital Confinement Indemnity

Eases the financial burden associated with hospital stays due to an accident or illness by providing cash benefits.
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Dental

Provides benefits for periodic checkups and cleanings, X-rays, fillings, crowns and much more.
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Vision

Helps with the costs of eye exams, treatments and vision correction materials.
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Lump-Sum Cancer

Provides a lump-sum cash benefit if you’re diagnosed with cancer.
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Cancer/Specified Disease

Helps with the costs associated with cancer treatment.
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Short-Term Disability

Provides you with a source of income if you’re disabled due to an accident or illness – it can even help with maternity leave.
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Life and Juvenile Life

Helps with unexpected costs if something happens to you.
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Did you know?

$400

“Nearly half of Americans would have trouble finding $400 to pay for an emergency.” – The Atlantic2

9.6%

Out-of-pocket costs have nearly doubled to 9.6 percent from a decade ago. – Deloitte.3

302%

The average deductible has risen by 302 percent to $1,221 in 2016, compared to $303 in 2006. – Kaiser Family Foundation4,5

$4,332

A quarter of workers are now in high-deductible plans costing families an average of $4,332 per year. – The Commonwealth Fund6