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You are cleaning your gutters when the ladder slips and you fall off.
The physician visit and x-ray in the ER reveals a dislocated hip and a broken wrist.
Cash benefits are paid directly to you (unless assigned otherwise), helping ease the financial stress of your accident.
Claims made on your Aflac Accident Indemnity Advantage® 1 policy are paid fast, so unexpected bills don't have to leave you sidelined.
The average cost of a broken leg is $7,274.2
After major medical coverage, you could still owe $2,910 in out-of-pocket medical expenses not covered by your insurance.3
Get a Quote| Medical Expenses | $7,274 | |
| Avg. Insurance Coverage | 60% | |
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| Remaining Expenses † | $2,910 | |
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| Aflac Supplemental Coverage: | ||
| Accident | up to $0 | |
| Hospital | up to $0 |
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| Aflac pays you: | $0 | |
weekly coverage as low as a box of adhesive bandages.4
Don’t wait until it’s too late. Help cover yourself and your family with affordable coverage from Aflac.
Johnnie is a real policyholder. This is her story. Your benefits from Aflac may differ. Johnnie was paid for her time in telling this story.
* Starting at $25 per month is based off an average annual premium of $349.44 for Individual Accident Insurance coverage for industry classification A for a policyholder aged 18-64 in the state of CA.
† 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.
1 ACCIDENT INDEMNITY ADVANTAGE – A35000 SERIES
In Arkansas, Policies A35100AR-A35200AR, & A35B24AR. In Idaho, Policies A35100ID-A35200ID, & A35B24ID. In New York, Policies NY35100-NY35400, NY35B24, & NYB35OF. In Oklahoma, Policies A35100OK-A35200OK, & A35B24OK. In Oregon, Policies A35100OR-A35400OR, A35B24OR, & A35BOFOR. In Pennsylvania, Policies A35100PA-A35200PA, & A35B24PA. In Texas, Policies A35100TX-A35200TX, & A35B24TX. In Virginia, Policies A35100VA-A35400VA, A35B24VA, & A35BOFVA. This is a brief product overview only. Coverage may not be available in all states. Benefits/premium rates may vary based on plan selected. Optional riders are available at an additional cost. The policy has limitations and exclusions that may affect benefits payable. Refer to the policy for complete details, limitations, and exclusions. For costs and complete details of the coverage, please contact your local Aflac agent.
Limitations and Exclusions for residents of Arizona:
Limitations and Exclusions for residents of Idaho:
Limitations and Exclusions for residents of New Jersey:
Limitations and Exclusions for residents of Virginia:
2 Broken Leg Diagnosis & Treatment, Mayo Clinic, July 1, 2020.
https://www.mayoclinic.org/diseases-conditions/broken-leg/diagnosis-treatment/drc-20370416.
Costs of diagnosis and treatment(s) are based on:
Transport - Ambulance Ride(1): $366.00
Source: http://cost-finder.com/what-is-the-cost-of-ambulance-transport/.
ER - ER Visit (1): $1,389.00
Source: https://www.debt.org/medical/emergency-room-urgent-care-costs/.
Diagnostic - X-Ray (1): $240.00
Source: https://www.newchoicehealth.com/procedures/leg-x-ray.
Treatment - Open reduction surgery (1): $3,655.00
Source: https://www.alliedacademies.org/articles/the-cost-of-quality-open-reduction-and-internal-fixation-techniques-versus-percutaneous-kwire-fixation-in-the-management-of-extraa.html.
Post-Treatment - Walking cast (1): $226.00
Source: https://www.healthcarebluebook.com/ui/proceduredetails?cftId=345&directsearch=true.
Post-Treatment - Crutches (1 set): $228.00
Source: https://health.costhelper.com/crutches.html.
Wellness Maintenance - Doctor Visit (3): $645.00
Source: https://www.healthcarebluebook.com/ui/proceduredetails/225?directsearch=true&tab=ShopForCare.
Wellness Maintenance - Physical Therapy (7 visits): $525.00
Source: https://thervo.com/costs/physical-therapy-cost.
Total Cost: $7,274.00
3 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.
4 Assumes the average cost of a package of adhesive bandages is $5**. Comparison is based on the average weekly premium for Nebraska Payroll Premium rates for industry Class B, Accident Indemnity Advantage 24-hour accident essentials - Series A-35B24; Individual Age 18-70. Premiums may vary by coverage type, account, state of issue, and the election of additional/optional benefits.
**Source: cvs.com, 2020.
