26% of US adults
(18-64) say someone in their household had problems or inability to pay medical bills in the past year.1
26% of US Adults
(18-64) say someone in their household had problems or inability to pay medical bills in the past year.1
Of these,
66% say the bills
were a result of a one-time or short-term medical expense, such as a hospital stay or an accident.1
Of these,
66% say the bills
were a result of a one-time or short-term medical expense, such as a hospital stay or an accident.1
1The Burden of Medical Debt: Results from the Kaiser Family Foundation/NY Times Medical Bills Survey, Jan. 5, 2016, Pg. 2-3, accessed 9/21/2016. http://kff.org/health-costs/report/the-burden-of- medical-debt-results-from-the-kaiser-family-foundationnew-york-times-medical-bills-survey/

Here's how it works.

Medical expenses don’t always come from an accident or critical illness; sometimes it starts with a visit to an urgent care clinic because of a sharp pain in your side. While health insurance typically covers some of the expense, you will likely be responsible for a portion of the bill. Aflac Choice helps with those unexpected hospital expenses not covered by health insurance. That way, you may not have to sacrifice your vacation budget for those unexpected medical costs.

Medical expenses don’t always come from an accident or critical illness; sometimes it starts with a visit to an emergency room because of a sharp pain in your side. While health insurance typically covers some of the expense, you will likely be responsible for a portion of the bill. Aflac Choice helps with those unexpected hospital expenses not covered by health insurance. That way, you may not have to sacrifice your vacation budget for those unexpected medical costs.

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Trouble strikes.

You suddenly experience a sharp pain in your side and go to an urgent care clinic, where you’re diagnosed with appendicitis.
You suddenly experience a sharp pain in your side.

You find yourself in the emergency room.

You’re taken by ambulance to the emergency room, where lab tests and diagnostic exams report back that you need surgery right away.
You decide to go to the emergency room, where you are diagnosed with appendicitis and are told that you need surgery right away.

Aflac helps take the sting out.

After a 3-day stay in the hospital you’re feeling much better, but hospital bills add up quickly. Cash benefits are paid directly to you (unless otherwise assigned), which can help ease the financial stress of your illness.

You get your money fast.

Claims made on your Aflac Choice policy are eligible for One Day Pay℠.2 Now that's fast.

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2One Day Pay℠ 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, 2019.
Choice 1

$1,600

Aflac Choice Policy
 

Choice 2

$2,200

Policy + Hospital Stay
and Surgical Care Rider


Choice 3

$2,010

Policy + Extended
Benefits Rider

Choice 4

$2,610

Policy + Both Riders
 


Customize your Aflac Choice coverage
with these optional add-ons.

Enhance your Aflac Choice coverage
with this optional add-on.

Extended Benefits Rider

We understand that medical diagnoses and treatments don’t always occur inside traditional hospital walls. Our Extended Benefits Rider extends coverage by providing benefits for urgent care facilities, psychologists and even telemedicine! Additional benefits are also payable for labs, X-rays and diagnostic tests.

Hospital Stay and
Surgical Care Rider

While some hospital visits are quick and easy, others can mean extensive surgeries, rehabilitation and long-term stays. We know what these situations can do to your financial health. The Hospital Stay and Surgical Care Rider helps with the expenses for covered surgeries, lengthy hospital stays, intensive care unit (ICU) care and even pays a benefit for you to get a second opinion on surgeries. This rider also provides an immediate Initial Assistance Benefit to put a little cash in your pocket to help with things like dog sitters, meals, parking fees or any additional expenses you may incur as a result of hospitalization.

Extended Benefits Rider

We understand that medical diagnoses and treatments don’t always occur inside traditional hospital walls. Our Extended Benefits Rider extends coverage by providing benefits for urgent care facilities, psychologists and even telemedicine! Additional benefits are also payable for labs, X-rays and diagnostic tests.

Hospital Stay and Surgical Care Rider

While some hospital visits are quick and easy, others can mean extensive surgeries, rehabilitation and long-term stays. We know what these situations can do to your financial health. The Hospital Stay and Surgical Care Rider helps with the expenses for covered surgeries, lengthy hospital stays, intensive care unit (ICU) care and even pays a benefit for you to get a second opinion on surgeries. This rider also provides an immediate Initial Assistance Benefit to put a little cash in your pocket to help with things like dog sitters, meals, parking fees or any additional expenses you may incur as a result of hospitalization.

Aflac Plus Rider

With the Aflac Plus Rider, you can help protect yourself against high expenses associated with serious illnesses and can give yourself peace of mind, even in a difficult situation. Apply for the Aflac Plus Rider or ask your agent for more information!


Terms You Need to Know

Additional Information