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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. Read on to learn how health insurance works, how to compare plans, and how supplemental insurance can complement your primary plan.
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Health insurance is a contract between a policyholder and an insurance company. In exchange for paying monthly premiums, you can receive partial or full coverage for healthcare costs. Each health insurance plan works differently, so it’s important to compare coverage and quotes so that you can find the right type of insurance for your needs.
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 not covered by your primary health insurance plan. You can choose which coverage category you need more 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 can 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 will often pay upfront and then file the claims for reimbursement if receiving treatment from an out-of-network provider.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.1 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.
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedWhen you compare insurance, weighing out the pros and cons of each aspect will ultimately help you decide what is most important to you. Make sure to compare rates and find a plan that fits your budget. 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.
If your health insurance isn’t offering enough coverage, Aflac provides 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. Here’s how each works:
Health insurance can help protect you from high medical costs. 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. Start chatting with an agent and discover our diverse range of insurance products today.
Get Started
Looking to buy affordable health insurance? Learn what your options are and how to get the right affordable health insurance plan for you.
Short-term health insurance can give you temporary coverage. Learn how short-term health insurance works, how much it costs, and how to choose the right plan.
Looking to buy affordable health insurance? Learn what your options are and how to get the right affordable health insurance plan for you.
Short-term health insurance can give you temporary coverage. Learn how short-term health insurance works, how much it costs, and how to choose the right plan.
1 Investopedia – What Is Health Insurance? Updated September 20, 2024. Accessed July 24, 2025. https://www.investopedia.com/terms/h/healthinsurance.asp.
2 eHealth – What Is a Point of Service (POS) Plan? Accessed July 24, 2025. https://www.ehealthinsurance.com/health-plans/pos.
3 Investopedia – Preferred Provider Organization (PPO): Definition and Benefits. Updated September 17, 2024. Accessed July 24, 2025. https://www.investopedia.com/terms/p/preferred-provider-organization.asp#.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Aflac Coverage:
Accident, A37000 series: In Delaware, Policy A371AA & A371BA. In Oklahoma, Policy A37000OK. A38000 series: In Delaware Policies A38100DE – A38300DE & A382OFDE. In Delaware Policies A38100DE – A38300DE & A382OFDE. In Idaho, Policies A38100ID – A38300ID. In Oklahoma A38100OK – A38300OK & A382OFOK. In Virginia, Policies A38100VA – A38300VA & A382OFVA.
Cancer/Specified-Disease, B70000 series: In Delaware, Policies B70100DE, B70200DE & B70300DE. In Idaho, Policies B70100ID, B70200ID, B70300ID, B7010EPID, B7020EPID. In Oklahoma, Policies B70100OK, B70200OK, B70300OK, B7010EPOK, B7020EPOK. 75000 series: In Virginia, policies A75100VA–A75300VA. Cancer insurance is also known as specified disease insurance in some states.
Critical Illness/Specified Health Event, A74000 series: In Delaware, Policies A74100DE, A74200DE, A74300DE. In Idaho, Policies A74100ID, A74200ID, A74300ID. In Oklahoma, Policies A74100OK, A74200OK, A74300OK. In Virginia, Policies A74100VA, A74200VA, A74300VA. A73000 series: In Delaware, Policies A73100DE & A7310HDE. In Idaho, Policies A73100ID & A7310HID. In Oklahoma, Policies A73100OK & A7310HOK. In Virginia, Policy A73100VA & A7310HVA. B71000 series: In Delaware, Policies B71100, B71200, B7130H & B7140H. In Oklahoma, Policies B71100OK & B7110HOK.
Dental, A82000 series: In Delaware, Policies A82100R–A82400R. In Idaho, Policies A82100RID–A82400RID. In Oklahoma, Policies A82100ROK–A82400ROK. In Virginia, Policies A82100RVA–A82400RVA.
Hospital, B40000 series: In Delaware, Policies B40100DE & B4010HDE. In Idaho, Policies B40100ID & B4010HID. In Oklahoma, Policies B40100OK & B4010HOK. In Pennsylvania, Policies B40100PA & B4010HPA. In Virginia, Policies B40100VA & B4010HVA.
Short-Term Disability, A57600 series: In Delaware, Policies A57600DE & A57600LB. In Idaho, Policy A57600IDR. In Oklahoma, Policies A57600OK & A57600LBOK. In Virginia, Policies A57600VA & A57600LBVA.
Vision, VSN series:
In Delaware, Policy VSN100. In Idaho, Policy VSN100ID. In Oklahoma, Policy VSN100OKR. In Virginia, Policy VSN100VA.
Tier One coverage is underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
Accident, T37000 series: In Delaware, Policy T37000. In Idaho, Policies T37100ID, T37200ID, & T37300ID. In Oklahoma, Policy T37000OK. In Virginia, Policies T37100VA, T37200VA, T37300VA, T37400VA & T37600VA.
Cancer/Specified Disease plans, T70000 series: In Delaware, Policy T70000. In Idaho, Policy T70000ID. In Oklahoma T70000OK, In Virginia, policies T70000VA & T70000GVA.
Critical Illness, T71000 series: In Delaware, Policy T71000. In Oklahoma, Policy T71000OK. In Virginia, Policy T71100VA.
Dental, Vision and Hearing: In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. Not available NY or VA. Dental claims are administered by SKYGEN USA, LLC. Vision claims are administered by EyeMed Vision Care, LLC. Hearing claims are administered by Nations Hearing. NOTICE: The coverage offered is not a qualified health plan (QHP) under the Patient Protection and Affordable Care Act (ACA) and is not required to satisfy essential health benefits mandates of the ACA. The coverage provides limited benefits.
Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations, and exclusions.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999
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