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When deciding which type of health insurance is best for you, it’s okay to take your time. Comparing health insurance plans can help you understand what kind of coverage you need. However, knowing what kind of coverage is best for you can be tricky. Let us help you figure out how to choose health insurance plans.
It’s important to note that Aflac doesn’t offer primary health insurance but a range of supplemental insurance plans that work with your existing plan to help with gaps in coverage. We provide supplemental critical illness, cancer, dental, vision, hospital, short-term disability and accident insurance—so you can choose which category you’d like more support in.
Don’t wait until it’s too late. Help cover yourself and your family with affordable coverage from Aflac.
There are a few distinct categories you can focus on when you need to compare health insurance. The type of insurance plan, medical coverage, networks, and costs can all impact your final decision.
First, it’s crucial to understand that when we say “health insurance” we mean major medical plans. These may be considered more traditional or primary insurance plans. While supplemental insurance works with health insurance, it’s not designed to cover all your medical needs.
Supplemental insurance helps offset out-of-pocket costs missed by your primary health insurance plan. You can choose which coverage category you need better support in. Exploring Aflac’s range of plans may be just what you need to round out your coverage.
There are a few different kinds of plans that determine how the health insurance policy functions. First, there are HMOs (health management organizations), where you get all your medical services done within the organization of physicians. You also must see your primary physician first to be referred to a specialist.1
Next, POS (point-of-service) insurance plans give you the option to see providers within the network of participating providers they work with or outside of the network at a higher price. With these kinds of plans, policyholders must do the paperwork involved in filing claims themselves.2
Lastly, PPOs (preferred provider organizations) offer discounted rates to policyholders who see contracted physicians. They can still choose to see an out-of-network provider, but it will likely cost more money.3
There are a few categories of health insurance to consider. First, there is general health insurance that helps cover medical and surgical needs, prescription drugs, and doctor’s appointments.4 Next, dental insurance helps cover the costs accompanying oral care. Similarly, vision insurance helps policyholders take care of their eye health.
Beyond these major coverage areas, you can explore supplemental insurance to help provide added support for short-term disability, hospital, critical illness, cancer and accident insurance support.
Lastly, it’s crucial to compare insurance rates across the board. Getting a quote from the providers you are considering can help you better understand expected costs and find rates that work for you.
Weighing out the pros and cons of each aspect of your insurance plan will ultimately help you decide what is most important to you. Even if you find a health insurance plan that isn’t the perfect fit, there are other ways to round out coverage—like with the help of Aflac supplemental insurance.
Now that you know a bit more about how to compare health insurance plans, you may better understand where you need more coverage. Aflac’s supplemental insurance plans can work with your health insurance plan to help provide a more enhanced coverage and better financial support. Discover our diverse range of insurance products today.
1 & 4 Investopedia – HMO. Updated July 22, 2022. https://www.investopedia.com/terms/h/healthinsurance.asp. Accessed Aug 16, 2022.
2 Investopedia – POS. Updated Mar 10, 2022. https://www.investopedia.com/terms/p/pointofservice-plan-pos.asp. Updated Aug 16, 2022.
3 Investopedia – PPO. Updated May 9, 2022. https://www.investopedia.com/terms/p/preferred-provider-organization.asp#. Accessed Aug 16, 2022.
Accident
Accident (35000 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.
Accident (36000 series)
In Arkansas, Policies A36100AR – A36400AR, & A363OFAR. In Idaho, Policies A36100ID – A36400ID, & A363OFID. In New York, Policies NY36100 – NY36400. In Oklahoma, Policies A36100OK – A36400OK, & A363OFOK. In Oregon, Policies A36100OR – A36400OR, & A363OFOR. In Pennsylvania, Policies A36100PA – A36400PA. In Texas, Policies A36100TX – A36400TX, & A363OFTX. In Virginia, Policies A36100VA – A36400VA, & A363OFVA.
Accident (37000 series)
In Arkansas, Policy A37000AR. In Oklahoma, Policy A37000OK. In Pennsylvania, Policy A37000PA.
Cancer/Specified-Disease
Lump Sum Cancer (72200 series)
In Arkansas, Policy A72200AR. In Idaho, Policy A72200ID. In New York, Policy NYR72200. In Oklahoma, Policy A7200OK, In Oregon, Policy A72200ORR. In Texas, Policy A72200TX. In Virginia, Policy A72200VA.
Cancer (75000 series)
In Virginia, Policies A75100VA through A75300VA.
Cancer (76000 series)
In Arkansas, Policies A76100AR & A761ESAR. In Idaho, Policies A76100ID & A761ESID. In New York, Policies, NY76100 & NY761ES. In Oklahoma, Policies A76100OK & A761ESOK. In Oregon, Policies A76100OR & A761ESOR. In Pennsylvania, Policy A76100PA. In Texas, Policies A76100TX & A761ESTX.
Cancer (78000 series)
In Arkansas, Policies A78100AR – A78400AR. In Idaho, Policies A78100ID – A78400ID. In New York, Policies, NY78100 – NY78400. In Oklahoma, Policies A78100OK – A78400OK. In Oregon, A78100OR – A78400OR. In Pennsylvania, Policies A78100PA – A78400PA. In Texas, Policies A78100TX – A78400TX.
Cancer (B70000 series)
In Arkansas, Policies B70100AR, B70200AR, B70300AR, B7010EPAR, B7020EPAR. In Idaho, Policies B70100ID, B70200ID, B70300ID, B7010EPID, B7020EPID. In Oklahoma, Policies B70100OK, B70200OK, B70300OK, B7010EPOK, B7020EPOK. In Oregon, Policies B70100OR, B70200OR, B70300OR, B7010EPOR, B7020EPOR. In Pennsylvania, Policies B70100PA, B70200PA, B70300PA. In Texas, Policies B70100TX, B70200TX, B70300TX, B7010EPTX, B7020EPTX.
Critical Illness
Lump Sum Critical Illness (73100 series)
In Arkansas, Policies A73100AR & A7310HAR. In Idaho, Policies A73100ID & A7310HID. In New York, Policy NY72100. In Oklahoma, Policies A73100OK & A7310HOK. In Oregon, Policies A73100OR & A7310HOR. In Pennsylvania, Policy A73100PA & A7310HPA. In Texas, Policies A73100TX & A7310HTX. In Virginia, Policy A73100VA.
Lump Sum Critical Illness (B71000 series)
In Arkansas, Policies B71100AR & B7110HAR. In Oklahoma, Policies B71100OK & B7110HOK. In Oregon, Policies B71100OR & B7110HOR. In Pennsylvania, Policies B71100PA & B7110HPA. In Texas, Policies B71100TX & B7110HTX.
Life
Life (63000 series)
In New York, Policies NYRRR63100, NYR63200, NYR63300, & NYR63500.
Life (64000 series)
In Arkansas, Policies A64100AR, A64200AR, A64300AR, & A64500AR. In Oregon, Policies A64100OR, A64200OR, A64300OR, & A64500OR. In Idaho, Oklahoma, Pennsylvania, Texas, and Virginia, Policies ICC64100, ICC64200, ICC64300, & ICC64500. Life (68000 series)
In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, & Virginia, Policies: ICC1368100, ICC1368200, ICC1368300, ICC1368400.
Juvenile Life (65000 series)
In Arkansas, Policies A65JTORAR & A65JWOAR. In New York, Policies NY65JTO & NYR65JWO. In Oregon, Policies A65JROROR & A65JWOOR. In Idaho, Oklahoma, Pennsylvania, Texas and Virginia, Policies ICC0965JTO & ICC0965JWO.
Term & Whole Life (B60000 series)
In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, & Virginia, Policies: ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400.
Dental
Dental (81000 series)
In Arkansas, Policies A81100AR – A81400AR. In Idaho, Policies A81100ID – A81400ID. In New York, Policies NY81100 – NY81400. In Oklahoma, Policies A81100OK – A81400OK. In Oregon, Policies A81100OR – A81400OR. In Pennsylvania, Policies A81100PA – A81400PA. In Texas, Policies A81100TX – A81400TX. In Virginia, Policies A81100VA – A81300VA.
Dental (82000 series)
In Arkansas, Policies A82100RAR – A82400RAR. In Idaho, Policies A82100RID – A82400RID. In New York, Policies NY82100 – NY82400. In Oklahoma, Policies A82100ROK – A82400ROK. In Oregon, Policies A82100ROR – A82400ROR. In Pennsylvania, Policies A82100RPA – A82400RPAR. In Texas, Policies A82100RTX – A82400RTX. In Virginia, Policies A82100RVA – A82400RVA.
Vision – VSN100 series
In Arkansas, Policy VSN100AR. In Idaho, Policy VSN100ID. In New York, Policy NYVSN100. In Oklahoma, Policy VSN100OKR. In Oregon, Policy VSN100OR. In Pennsylvania, Policy VSN100PA. In Texas, Policy VSN100TX. In Virginia, Policy VSN100VA.
This is a brief overview only. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. The policies have limitations and exclusions that may affect benefits payable. Refer to the policies for complete details, limitations, and exclusions. Coverage may not be available in all states, including but not limited to ID, NJ, NY, NM or VA
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. Aflac WWHQ | 1932 Wynnton Road | Columbus, GA 31999
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