1 Centers for Disease Control and Prevention. “Keep an Eye on Your Vision Health.” Last reviewed 10.1.2020. Accessed 12.4.2020. https://www.cdc.gov/visionhealth/resources/features/keep-eye-on-vision-health.html.

AFLAC VISION – QNV1000 SERIES

In 2021, for all states that have approved the Aflac dental and vision insurance products, coverage will be underwritten by Aflac. In New York, coverage will be underwritten by Aflac New York.

Aflac WWHQ | 1932 Wynnton Road | Columbus, GA 31999.

Applies to Policy Series QNV1000. In Arkansas, policy form QNV1100MAR. In Idaho, QNV1100MID. In Oklahoma, policy form QNV1100MOK. In Oregon, policy form QNV1100MOR and QNV1100MORS. In Texas, policy form QNV1100MTX.

In 2020, Aflac dental and vision insurance coverage is underwritten by National Guardian Life Insurance Company (NGL). National Guardian Life Insurance Company is not a member of the Aflac family of insurers. National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America a/k/a The Guardian or Guardian Life. Aflac dental and vision products may not be available in all states. National Guardian Life Insurance Company | Madison, WI.

Applies to Policy Series NVIGRP 5/07 and NVIGRP 11/13. In Pennsylvania, policy form NVIGRP 7/08-PA. In Texas, policy form NVIGRP 11/13 TX (R).

Please see coverage documentation applicable to your situs state for further details. State references refer to the state of your group.

Benefits and/or premiums may vary based on the state and benefit option selected. The plan has limitations and exclusions that may affect benefits payable. The plan may contain a waiting period.

Refer to the policy and certificate for complete benefit details, definitions, limitations and exclusions. This is a brief description of coverage and is not a contract. Read your certificate carefully for exact terms and conditions as well as a complete list of the Schedule of Benefits payable under the plan.

Notice to Consumer: This is a limited benefit plan and provides vision benefits only. Aflac’s contracts of insurance, including Aflac’s network dental and vision plans, provide limited-scope and/or supplemental benefits only and do not constitute comprehensive health insurance coverage. Aflac’s contracts of insurance do not satisfy the requirement of minimum essential coverage under the Patient Protection and Affordable Care Act (ACA) and are not designed to meet any of the essential health benefit requirements mandated by the ACA or federal law, including pediatric oral or vision care services. Aflac’s contracts of insurance are not an alternative to, or a substitute for, comprehensive health insurance coverage and should only be used to supplement comprehensive health insurance coverage.

Limitations and Exclusions for Arizona

Limitations

Exclusions

No benefits are payable for any of the following conditions, services, procedures and/or materials, unless otherwise specifically listed as a covered benefit in the Schedule of Benefits:

No benefits are payable for services performed by a member of the insured person’s family. Insured person’s family is limited to a spouse, siblings, parents, children, grandparents, and the spouse’s siblings and parents.

Limitations and Exclusions for Idaho

Exclusions

No benefits are payable for any of the following conditions, services, procedures and/or materials, unless otherwise specifically listed as a covered benefit in the Schedule of Benefits:

No benefits are payable for services performed by a member of the Insured Person's family. Insured Person's family is limited to a spouse, siblings, parents, children, grandparents, and the spouse's siblings and parents.