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Individuals & Families

Learn how Aflac pays cash benefits to help with out-of-pocket expenses that your major medical may not cover.
Business Owners

Aflac lets you provide your employees with outstanding benefits without costing you a penny.
Brokers

Offer your clients better benefit options with Aflac supplemental insurance policies.
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Explore the unlimited potential and flexibility that comes with the opportunity to become an Aflac insurance agent.

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Lifestyle Calculator

Uncover the real cost of an illness or injury, even with major medical insurance.*

The Real cost of XXXX Can Leave You Owing

$

$
$

$

Without Aflac, you're left with the bill.

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Medical Expenses

$

$

$

$

Average Insurance Coverage

%

%

%

%

Remaining Expenses*

$

$

$

$

These are expenses that may not be covered by major medical insurance, such as deductibles, copayments and coinsurance, as well as medication costs and additional out-of-pocket costs like child care and transportation for follow-up doctor's visits.

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What could it cost you?

XX Date Nights
(Based on the AVG Cost of $36.00) ¹

couple enjoying a date night

XX Music Festivals
(Based on the AVG Cost of $400.00) ²

group of people at music festival

XX Mobile Phone Bills
(Based on the AVG Cost of $73.00 monthly) ³

woman using cellular phone

woman on computer paying bills

Aflac Pays You:

$

$

$

$

Reducing your overall expenses to $X,XXX

Toggle the insurance policies below to see how each can help you.

Aflac's accident insurance pays cash benefits for covered accidental injuries.

Ask your employer about how to offer this benefit at no direct cost to them.

get well balloon icon

Aflac hospital insurance pays cash benefits to help with the out-of-pocket expenses associated with a covered hospital stay.

Ask your employer about how to offer this benefit at no direct cost to them.

person on crutches icon

In the case of covered illness or injury, Aflac disability insurance helps with your bills while you are unable to work.

Ask your employer about how to offer this benefit at no direct cost to them.

cancer ribbon icon

Aflac cancer insurance is here to help you and your family better cope financially—and emotionally—if a positive diagnosis of cancer ever occurs. Added comfort and protection means the freedom to focus on more important things.

Ask your employer about how to offer this benefit at no direct cost to them.

stethoscope icon

Use our critical illness insurance to help with the treatment costs of a covered life-changing illness/health event, so you can stay focused on recuperation.

Ask your employer about how to offer this benefit at no direct cost to them.

*The information provided in the Benefits Estimator is illustrative only. Plans may not be available in all states, and benefits may vary by state, coverage, and plan level selected. Policies have limitations and exclusions that may affect benefits payable. The Aflac payout values do not guarantee an amount to be paid for the listed conditions. Benefits paid by Aflac (if any) will depend on the severity of the accident or illness, the physician diagnosis, and the treatment received. The “Aflac Pays You” data is an average of historical payments made to Aflac policyholders/certificateholders who qualified for benefits under their specific plans and does not reflect instances when benefits were not paid for a particular claim. Whether benefits are payable will be determined when a claim is processed. You must be 18 or older to apply for Aflac insurance. Availability varies by product; see your local Aflac agent for details. The out-of-pocket expenses displayed are estimated at 40% of the total medical cost, assuming that average major medical plans cover approximately 60% of the expense. Your major medical coverage may be more or less, and if an individual or family incurs expenses for non-covered benefits, these out-of-pocket expenses may increase potential unexpected costs. You will also need to pay for any limits or exclusions on your benefits which may include the number of refills for certain drugs, visits to certain specialists, or days covered for certain benefits. View Data Sources to see our underlying sources for the data provided in this calculator.

About this tool

Aflac’s Benefits Estimator is an innovative tool to help you understand the real costs associated with illnesses or injuries. These costs include:

Expenses not covered by major medical, such as deductibles and co-pays
Out-of-pocket costs for things like follow-up medical appointments

The Calculator incorporates data from numerous public sources (including public health, healthcare providers and voluntary health organizations) to show the average costs of a variety of medical conditions. The data presented in this tool is for illustrative purposes only. The Aflac policy payout values are averages; and are not guarantees of an amount to be paid for the listed conditions. Aflac payout data shown is based on historical claims over a 10-year period, across all product plans in force at the time. The values represent the average amount of claims paid to a policyholder with the condition over the timeframe (2007-2017). Aflac policies are not available in all states and may vary by state and plan level. Benefits payable are determined at time of claim. The information provided in the Benefits Estimator tool is illustrative only. The Aflac payout values do not guarantee an amount to be paid for the listed conditions. Plans may not be available in all states, and benefits may vary by state, coverage, and plan level selected. Benefits are payable at the time a claim is processed. View Data Sources to see our underlying sources.

"What could it cost you?" References:

¹ Average Cost of Dinner at a Restaurant (per person). The State of American Dining in 2016. Zagat.com, 2017. https://www.zagat.com/b/the-state-of-american-dining-in-2016.

² Average Cost of a Coachella General Admission ticket. What it Really Costs to Attend Coachella 2017, Megan Leonhardt. April 6, 2017. http://time.com/money/4724712/cost-coachella-2017/.

³ Average Cost of a Cell Phone Bill. How to Cut the Average Cell Phone Bill by More than 80%. Howlifeworks.com, Updated September 22, 2017. http://www.howlifeworks.com/technology/cell_phone_savings.

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© 2018 AFLAC INCORPORATED

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Individual coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York.
Worldwide Headquarters | 1932 Wynnton Road | Columbus, GA 31999

^†One Day Pay^SM is available for certain individual claims submitted online through the Aflac SmartClaim® process. Claims may be eligible for One Day Pay processing if submitted online through Aflac SmartClaim®, including all required documentation, by 3 p.m. ET. Documentation requirements vary by type of claim; please review requirements for your claim(s) carefully. Aflac SmartClaim® is available for claims on most individual Accident, Cancer, Hospital, Specified Health, and Intensive Care policies. Processing time is based on business days after all required documentation needed to render a decision is received and no further validation and/or research is required. Individual Company Statistic, 2018.

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