Guaranteed‐issue is available for select products, which means no underwriting questions.
May not be available in all states
Customizable benefit options designed to meet a wide range of lifestyle and needs.
With Aflac, qualified claims are paid in just a day.
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 that may not be covered by health insurance. That way, you may not have to sacrifice your vacation budget for those unexpected medical costs.
weekly rates as low as a "Get Well Soon" card.8
† One Day PaySM 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, 2017.
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.
2The above example is based on four scenarios. Choice 1 Scenario: Policyholder has the Aflac Choice policy only; includes a Hospital Confinement Benefit of $1,500 and a Hospital Emergency Room Benefit of $100. Choice 2 Scenario: Policyholder has the Aflac Choice policy plus the Hospital Stay and Surgical Care Rider; includes the benefit amounts from Choice 1 Scenario (shown above), plus an Initial Assistance Benefit of $100, a Surgery Benefit (appendectomy) of $200, and a Daily Hospital Confinement Benefit of $300 (hospitalized for 3 days). Choice 3 Scenario: Policyholder has the Aflac Choice policy plus the Extended Benefits Rider; includes the benefit amounts from Choice 1 Scenario (shown above), plus a Physician Visit Benefit of $25, a Laboratory Test and X-Ray Benefit of $35, a Medical Diagnostic and Imaging Exams Benefit of $150, and an Ambulance Benefit of $200 (ground). Choice 4 Scenario: Policyholder has the Aflac Choice policy plus both the Extended Benefits Rider and the Hospital Stay and Surgical Care Rider; includes the benefit amounts from Choice 1 Scenario (shown above), plus a Physician Visit Benefit of $25, a Laboratory Test and X-Ray Benefit of $35, a Medical Diagnostic and Imaging Exams Benefit of $150, an Ambulance Benefit of $200 (ground), an Initial Assistance Benefit of $100, a Surgery Benefit (appendectomy) of $200, and a Daily Hospital Confinement Benefit of $300 (hospitalized for 3 days).
HOSPITAL - B40000 SERIES
In Arkansas, Policies B40100AR & B401HAR. In Idaho, Policies B40100ID & B4010HID. In Oklahoma, Policies B40100OK & B4010HOK. In Oregon, Policies B40100OR & B4010HOR. In Pennsylvania, Policies B40100PA & B4010HPA. In Texas, Policies B40100TX& B4010HTX. This is a brief product overview only. Coverage may not be available in all states including but not limited to New York and Virginia. 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 Idaho:
Aflac will not pay benefits for care or treatment that is: (1) caused by a Pre-existing Condition, unless it begins more than 12 months after the Effective Date of coverage, or (2) received prior to the Effective Date of coverage. Aflac will pay benefits for elective surgery that is not Medically Necessary after the first 12 months of the Effective Date of coverage. The policy does not cover losses caused by or resulting from:
PRE-EXISTING CONDITION LIMITATIONS: A “Pre-existing Condition” is an illness, disease, infection, disorder, condition, or injury for which, within the six-month period before the Effective Date of coverage, prescription medication was taken or medical testing, advice, consultation, or treatment was recommended or received from a Physician. Pre-existing Conditions, including pregnancies in existence on the Effective Date of coverage, will not be covered during the first 12 months after the Effective Date of coverage.
3 Diagnosis & Treatment: Asthma Attack Diagnosis & Treatment., Mayo Clinic Staff, 2016. Updated October 20, 2016.
Duration: Inpatient Treatment of Asthma Is Costly. Richard Hyler. American Health and Drug Benefits.
Costs of diagnosis and treatment(s) are based on:
Transport - Ambulance Ride (1): $800.00
ER - ER Visit (1): $1,575.00
Treatment - Nebulizer (1): $250.00
Treatment - Albuterol (1): $200.00
Treatment - Hospital Stay (1): $5,040.00
Treatment - Corticosteroids (1): $312.50
Follow up - Doctor Visit (12 visits): $259.00 ea.
Total Cost: $11,285.50
4 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.
5 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/.
6 Nation-wide cost of All-Access Membership, Equinox 2017. https://www.equinox.com/join-membership/404.
7 Average Cost of a 5 day ski vacation to Salt Lake, UT. North America's most and least affordable ski destinations. Fox News, December 12, 2012. Assumes 5 days of the following daily costs hotel $121.32, ski gear rental, $31.65, lift ticket, $74.75, food $38.05, for an average total of $1707.00 per person. Does not include airfare. http://www.foxnews.com/travel/2012/12/12/north-america-most-budget-friendly-and-most-expensive-ski-destinations.html.
8Assumes the average cost of a greeting card is $3.49*, and the average cost of postage to mail is $0.49**. Comparison is based on the average weekly premium for Nebraska Payroll Premium rates for industry Class A; Aflac Hospital Advantage Essentials - Option 1 Series A49100; Individual Age 18-75. Premiums may vary by coverage type, account, state of issue, and the election of additional/optional benefits.
*Source: Hallmark.com, 2017.
**Source: U.S. Postal Service, April 2017.