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Supplemental insurance can pay cash benefits to help you cover costs that aren’t covered by primary health insurance. There are several types of plans that offer budget-friendly premiums, and the price you pay may depend on the plan type, where you live, your age, your health, and a few other factors. Aflac offers a variety of supplemental insurance options that come with great coverage at reasonable rates. Let’s dive deeper into how supplemental health insurance works, how much it costs, and some plans you can choose from.
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Also known as secondary insurance, supplemental insurance helps pay for out-of-pocket expenses your primary health insurance doesn’t cover. You may purchase supplemental plans to help protect yourself and your family in different situations, like traveling to or from a hospital, a critical illness diagnosis, or to help cover deductibles and copays.1 With supplemental insurance, you and your loved ones can focus on recovery rather than worry about finances.
Here’s an overview of the supplemental insurance policies Aflac offers:
An accident can lead to high expenses. Accident insurance may come in handy if you experience an injury and need some help financially.
In the event a cancer diagnosis strikes, your focus should be on recovery, not the cost of treatment. Cancer insurance can make this possible. It’s designed to cover a variety of medical and non-medical cancer expenses.
With dental insurance, you’ll find it easier and more affordable to maintain excellent oral health. It can help pay for preventive services, basic services, and major services.
Vision insurance is ideal if you’d like to keep your eyes in optimal shape. It may help cover annual preventative exams, as well as certain treatments and surgeries for eye diseases and disorders.
A critical illness, can result in hefty medical bills and make it difficult to cover everyday expenses. Critical illness insurance may come to the rescue and help alleviate the financial stress a critical illness can cause.
Short-term disability insurance offers benefit payments that equal a percentage of your salary if you can’t work due to a non-job-related accident, illness, or condition.
Unplanned hospital visits don’t come cheap. With hospital insurance, you can receive the money you need to help pay for hospital bills and ease the financial burden of an illness or injury.
Life insurance is intended to help protect your loved ones financially if you unexpectedly pass away. Term life insurance and whole life insurance plans are available from Aflac.
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedThe cost of supplemental insurance varies depending on the plan you choose and personal factors like your age, work, and medical history. For reference, the average cost of a short-term disability plan is between 1% and 3% of your salary. Meanwhile, critical illness insurance premiums range between $10 and $20 per month.2
Aflac offers affordable coverage across our supplemental plans. You can contact Aflac directly for more information on specific supplemental insurance plans that may meet your needs.
Some of the perks of supplemental insurance can include:
Supplemental insurance can help pay for out-of-pocket expenses.2 Therefore, you may be less likely to drain an emergency fund or go into debt.
Supplemental insurance is usually cost-effective. As long as you shop around and choose a reputable insurer like Aflac, you can find affordable coverage.
With supplemental health insurance, you can be better protected from financial stress after an unexpected event. It’s a great way to be proactive and help protect your loved ones.
Primary health insurance has gaps, and a supplemental insurance policy can help cover those gaps by paying you cash benefits that you can use to cover unexpected expenses. A plan could save you a lot of money down the road, especially considering that most supplemental plan premiums are affordable.
Aflac offers many supplemental insurance policies, such as short-term disability insurance, dental insurance, critical illness insurance, and more. To learn more about the plans available and get a quote that fits your budget, chat with an Aflac agent today.
Get Started
Hospital indemnity insurance can help pay for costs your current plan doesn't cover. Learn what hospital indemnity insurance is and whether it's right for you.
Looking for dental insurance that covers implants and dentures? Aflac walks through all the benefits of full coverage dental insurance like preventative care, basics, and major services.
Hospital indemnity insurance can help pay for costs your current plan doesn't cover. Learn what hospital indemnity insurance is and whether it's right for you.
Looking for dental insurance that covers implants and dentures? Aflac walks through all the benefits of full coverage dental insurance like preventative care, basics, and major services.
1 ValuePenguin - Supplemental Insurance: What Is It, and When Do You Need it? Updated July 5, 2024. https://www.valuepenguin.com/supplemental-health-insurance.Accessed September 16, 2025.
2 NerdWallet – Is Critical Illness Insurance Worth the Cost? Updated July 9, 2024. https://www.nerdwallet.com/article/insurance/critical-illness-insurance. Accessed October 30, 2025.
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.
Life, A68000 series: Term Life Policies: In Arkansas, Idaho, Oklahoma & Virginia, Policies: ICC1368200, ICC1368300, ICC1368400. In Delaware, Policies A68200, A68300 & A68400. Whole Life Policies: In Arkansas, Idaho, Oklahoma & Virginia, Policies: ICC1368100. In Delaware, Policy A68100. B60000 series: In Arkansas, Oklahoma & Virginia, Policies: ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400. Not available in Delaware. Q60000 series/Whole: In Arkansas & Delaware, Policy Q60100M. In Idaho, Policy Q60100MID. In Oklahoma, Policy Q60100MOK. Not available in Virginia. Q60000 series/Term: In Arkansas, Idaho & Oklahoma, Policy ICC18Q60200M. In Delaware, Policy Q60200M. Not available in Virginia.
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.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Tier One Coverage:
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.
Life, Final Expense: In AR, DE, ID, OK and VA: Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22. Aflac Final Expense policies are not available in New York. Aflac Final Expense insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated and is administered by Aetna Life Insurance Company.
Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY or VA. 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.
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).
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
Aflac New York | 22 Corporate Woods Boulevard, Suite 2 | Albany, NY 12211
Z2301197R2
EXP 10/26
