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There are a variety of supplemental insurance plans that come with affordable premiums. The price you’ll pay for a plan can depend on the plan type, where you live, your age, your health condition, and a few other factors. If you’re looking for a supplemental insurance plan, Aflac offers a variety of 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.
Also known as secondary insurance, supplemental insurance helps pay for out-of-pocket expenses your primary health insurance doesn’t cover. You may purchase one supplemental plan or a few plans to help protect yourself and your family from different situations, like expensive hospital stays, a critical illness diagnosis, or unexpected death.1 With supplemental insurance, you and your loved ones can focus on recovery rather than worry about finances.
Don’t wait until it’s too late. Help cover yourself and your family with affordable coverage from Aflac.
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 eye 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 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.
The cost of supplemental insurance can vary depending on the plan you choose. Fortunately, Aflac offers affordable coverage. Many Aflac policies range anywhere from $8 to $25 or more per month.2 You can contact Aflac directly for more information on specific supplemental insurance plans that pique your interest.
The most noteworthy perks of supplemental insurance include:
If you invest in a supplemental insurance policy, you’ll pay less out-of-pocket for various expenses.3 You’ll 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’ll enjoy the reassurance of knowing your finances will not be an issue after an unexpected event. It’s a great way to be proactive and help protect your loved ones.
In a perfect world, your primary health insurance plan would cover everything. Since this is not the case, supplemental insurance is often worthwhile. It can help lower your expenses and save you a lot of money down the road.
Aflac offers a long list of supplemental insurance policies, such as life insurance, short-term disability insurance, dental insurance, and more. Start chatting with an agent to learn more about the types of plans available.
1 ValuePenguin - Supplemental Insurance: What Is It, and When Do You Need it? Updated August 17, 2022. https://www.valuepenguin.com/supplemental-health-insurance. Accessed May 2, 2023.
2 HowMuchIsIt.org – How Much Does Aflac Cost? https://www.howmuchisit.org/how-much-does-aflac-cost/. Accessed May 2, 2023.
3 Forbes - What is Supplemental Health Insurance? Updated August 10, 2022. https://www.forbes.com/advisor/health-insurance/what-is-supplemental-health-insurance/. Accessed May 2, 2023.
Aflac Coverage
Accident (A37000 Series) - In Arkansas, Policy A37000AR. In Delaware, Policies A371AA & A371BA. In Idaho, Policy A37000ID. In New York, Policy NY37000. In Oklahoma, Policy A37000OK. In Oregon, Policy A37000OR. In Pennsylvania, Policy A37000PA. In Texas, Policy A37000TX. In Virginia, Policies A371AAVA & A371BAVA.
Cancer/Specified-Disease (B70000 Series) - In Arkansas, Policies B70100AR, B70200AR, B70300AR, B7010EPAR, B7020EPAR. In Delaware, Policies B70100DE, B70200DE & B70300DE. 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.
Dental (A82000 Series) - In Arkansas, Policies A82100RAR–A82400RAR. In Delaware, Policies A82100R–A82400R. 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 Delaware, Policy VSN100. 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.
Critical Illness (A73100 Series) - In Arkansas, Policies A73100AR & A7310HAR. In Delaware, Policies A73100DE & A7310HDE. 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.
Short-Term Disability (A57600 Series) - In Arkansas, Policies A57600AR & A57600LBAR. In Delaware, Policies A57600DE & A57600LB. In Idaho, Policy A57600IDR. In New York, Policy NY57600. In Oklahoma, Policies A57600OK & A57600LBOK. In Oregon, Policies A57600OR & A57600LBOR. In Pennsylvania, Policies A57600PA & A57600LBPA. In Texas, Policies A57600TX & A57600LBTX. In Virginia, Policies A57600VA & A57600LBVA.
Hospital (B40000 Series) - In Arkansas, Policies B40100AR & B401HAR. In Delaware, Policies B40100DE & B4010HDE. In Idaho, Policies B40100ID & B4010HID. In New York, Policies NYB40100 & NYB4010H. In Oklahoma, Policies B40100OK & B4010HOK. In Oregon, Policies B40100OR & B4010HOR. In Pennsylvania, Policies B40100PA & B4010HPA. In Texas, Policies B40100TX& B4010HTX. In Virginia, Policies B40100VA & B4010HVA.
Life (A68000 Series) - In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, & Virginia, Policies: ICC1368100, ICC1368200, ICC1368300, ICC1368400. In Delaware, Policies A68100-A68400. In New York, NY68100-NY68400. Term and Whole Life (B60000 Series) - In Arkansas, Idaho, Oklahoma, Pennsylvania, Texas, & Virginia, Policies: ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400. Group Whole Life (Q60000 Series) - In Arkansas, Delaware & Oregon, Policy Q60100M. In Idaho Policy Q60100MID. In Oklahoma, Policy Q60100MOK. In Texas, Policy Q60100MTX. Group Term Life (Q60000 Series) - In Delaware, Policies Q60200M. In Arkansas, Idaho, Oklahoma, Oregon & Texas, Policies ICC18Q60200M, ICC18Q60300C, ICC18Q60400C.
Aflac 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.
Tier One Coverage
Accident (T37000 Series) - In Arkansas, Policy T37000ARR. In Delaware, Policy T37000. In Idaho, Policies T37100IDR, T37200IDR, & T37300IDR. In Oregon, Policy T37000OR. In Oklahoma, Policy T37000OK. In Pennsylvania, Policies T37000PA, T37300PA, & T37500PA. In Texas, Policy T37000TX.
Cancer/Specified-Disease (T70000 Series) - In Arkansas, Policy T70000ARR. In Delaware, Policy T70000. In Idaho, Policy T70000ID. In Oklahoma, Policy T70000OK. In Oregon, Policy T70000OR. In Pennsylvania, Policies T70000PA, T7000GPA. In Texas, Policy T70000TX. In Virginia, policies T70000VA & T70000GVA.
Dental, Vision, Hearing (DVH, T80000 Series) - In Arkansas, Policy T80000AR. In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. In Oregon, Policy T80000OR. In Pennsylvania, Policy T80000PA. In Texas, Policy T80000TX.
Dental claims are administered by Aflac Benefits Solutions, Inc. 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. Tier One Insurance Company is part of the Aflac family of insurers.
Critical Illness (T71000 Series) - In Arkansas, Policy T71100ARR. In Delaware, Policy T71000. In Oklahoma, Policy T71000OK. In Oregon, Policy T71000OR. In Pennsylvania, Policies T71100PA - T71400PA. In Texas, Policy T71000TXR. In Virginia, Policy T71100VA.
Life (Final Expense Life) - In Arkansas, Delaware, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, & Virginia, Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22.
Tier One coverage is underwritten by Tier One 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.
Aflac’s family of insurers include Aflac, Aflac New York, Continental American Insurance Company, and Tier One Insurance Company.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999.
Aflac New York | 22 Corporate Woods Boulevard, Suite 2 | Albany, NY 12211
Z2301197
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