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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. The Aflac duck with wings outAflac 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

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Reduces the financial impact of a covered 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 and treated for a covered critical illness event, such as a heart attack, stroke or paralysis.
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Hospital Confinement Indemnity

Helps ease the financial burden associated with hospital stays due to a covered accident or illness by providing cash benefits.
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Provides benefits for covered exams and cleanings, X-rays, fillings, crowns and much more.
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Helps with the costs of covered 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 a covered cancer.
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Cancer/Specified Disease

Helps with the costs associated with covered treatments.
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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.
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Life and Juvenile Life

Helps with unexpected costs if something happens to you or a covered dependent.
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Did you know?


“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


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


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