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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.
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.
Health care policy is evolving, but health plans for the individual and small group markets continue to be required to offer health insurance that meets certain levels of coverage. Like those coveted Olympic medals, health plans are ranked according to their value, beginning with the bronze and climbing to the higher end platinum plan.
These values show the percentage of the total average costs for covered benefits that a plan will cover, and are designed to help individuals better understand their benefits. Use the chart below to learn more about and compare plan levels.
Definitions and more information:
Essential Health Benefits: A set of health care categories that must be covered by certain plans. They include:1
For more information, visit: https://www.healthcare.gov/glossary/essential-health-benefits/.
Out-of-pocket limit: Out-of-pocket limits are established annually by the IRS. These limits apply only to covered benefits, and a plan may count only in-network costs toward the out-of-pocket limit and the limit only applies to essential health benefits. If an individual or family incurs expenses for noncovered benefits, these will not count toward their out-of-pocket limit, adding to potential unexpected costs.
Out-of-pocket costs: Your expenses for medical care that aren't reimbursed by insurance. Out-of-pocket costs include deductibles, coinsurance, and copayments for covered services plus all costs for services that aren't covered.1
Preventive Services: Routine health care that includes screenings, checkups and patient counseling to prevent illnesses, disease or other health problems.1 For more information visit: http://www.hhs.gov/healthcare/rights/preventive-care/index.html.
Premium: The amount that must be paid for your health insurance or plan. You and/or your employer usually pay it monthly, quarterly or yearly.1
Federal Poverty Level: A measure of income level issued annually by the Department of Health and Human Services. Federal poverty levels are used to determine your eligibility for certain programs and benefits.1
Voluntary insurance: With plans available to fit most budgets, voluntary or supplemental insurance policies such as accident, hospital and disability insurance pay cash benefits for covered illnesses or injuries. These plans are designed to help you with out-of-pocket costs that major medical insurance was never intended to cover.
This material is intended to provide general information about an evolving topic and does not constitute legal, tax or accounting advice regarding any specific situation. Aflac cannot anticipate all the facts that a particular employer or individual will have to consider in their benefits decision-making process. We strongly encourage readers to discuss their HCR situations with their advisors to determine the actions they need to take or to visit healthcare.gov (which may also be contacted at 1-800-318-2596) for additional information.