How is Aflac different from major medical?

It’s not like major medical insurance 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 voluntary insurance isn’t like regular insurance:

  1. Aflac pays policyholders directly, unless otherwise assigned, to help with 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 plans pay doctors and hospitals for covered expenses, such as treatments, procedures and prescriptions.

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

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

This graphic is for informational purposes only and is not intended to be a solicitation.

HIPAA excepted benefits

Aflac policies are considered HIPAA excepted benefits because they are not major medical health insurance. 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 insurance.1

falling icon

Accident

Reduces the financial impact of a covered accident by providing cash benefits.
More Information

heart icon

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.
More Information

wheel-chair icon

Lump-Sum Critical Illness

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

hospital icon

Hospital Confinement Indemnity

Helps ease the financial burden associated with hospital stays due to a covered accident or illness by providing cash benefits.
More Information

tooth icon

Dental

Provides benefits for covered exams and cleanings, X-rays, fillings, crowns and much more.
More Information

eye icon

Vision

Helps with the costs of covered eye exams, treatments and vision correction materials.
More Information

ribbon icon

Lump-Sum Cancer

Provides a lump-sum cash benefit if you’re diagnosed with a covered cancer.
More Information

eye-dropper icon

Cancer/Specified Disease

Helps with the costs associated with covered treatments.
More Information

ambulance icon

Short-Term Disability

Provides you with a source of income if you’re disabled due to a covered accident or illness – it can even help with maternity leave.
More Information

family icon

Life and Juvenile Life

Helps with unexpected costs if something happens to you or a covered dependent.
More Information

Did you know?

$400

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

41 million

Nearly a quarter of (41 million) working-age adults with job-based coverage had such high out-of-pocket costs and deductibles relative to their income that they were effectively “underinsured.” – The Commonwealth Fund3

302%

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

29%

In 2016, 29 percent of all workers were in high deductible health plans, up from 20 percent in 2014, while a shrinking share of workers are enrolled in Preferred Provider Organization (PPO) plans. – Kaiser Family Foundation5