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As you age, you may want or need new kinds of health care. As the need or desire for new health treatments rises, so does the cost. Supplemental health insurance pays in addition to your existing health insurance to help provide more holistic coverage and decrease out-of-pocket costs.
Aflac offers various supplemental health insurance plans to help provide support in specific coverage areas. A few popular options are dental, critical illness, hospital, accident, cancer, short-term disability, final expense, and vision insurance.
It can be helpful to understand the average cost of supplemental health insurance and how it often changes based on age. Chatting with an Aflac agent can help you find an insurance plan that works best with your budget. Read on to learn how supplemental health insurance for seniors works and find information on some types of plans that are available.
Supplemental health insurance is a type of plan that offers affordable plan options to help minimize out-of-pocket expenses not covered by your major medical plan.
It’s important to note that seniors automatically qualify for Medicare, a national health insurance program in the United States for seniors older than 65.1 However, there may be a period of time before you turn 65 when you need additional support. That's where supplemental health insurance for seniors can help.
Supplemental health insurance for seniors works the same way it does for other ages. While supplemental insurance is often affordable regardless of age, the price can increase as you get older. For reference, the average cost of health insurance for seniors aged 60 is around $1,025 per month.1 The average cost seniors will pay for supplemental health insurance can vary based on factors like the type of plan you choose, your age, and the state you live in.
Don’t wait until it’s too late. Help cover yourself and your family with affordable coverage from Aflac.
There are three kinds of health insurance plans to consider as you get older:
When navigating how much health insurance costs for retirees, there are a handful of factors to consider. Remember, your major medical plan is an entirely different cost. Supplemental health insurance is an added cost that helps provide seniors with more coverage. Several factors can affect the cost of supplemental health insurance, including:
Aflac can help provide support in one or more of these areas. Many of our policyholders consider more than one type of supplemental health insurance plan:
We hope that you have a better understanding of the various insurance options, including supplemental health insurance plans, that are available for seniors. Now, you may be able to better decide if supplemental insurance coverage is right for you. Chat with an agent to determine if Aflac can fit into your budget.
1 Medicare is the national/federal health insurance program that Americans qualify for if they're 65 or older; for certain younger people with qualified disabilities; and for people with End-Stage Renal Disease. https://www.medicare.gov/what-medicare-covers/your-medicare-coverage-choices/whats-medicare.
This is a brief product overview only. Coverage may not be available in all states including but not limited to ID, NJ, NM, NY, or VA. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders have limitations and exclusions that may affect benefits payable. For costs and complete details of the coverage, please contact your local Aflac agent.
Accident (A36000 series): - In Delaware, Policies A36100DE—A36400DE, & A363OFDE. In Idaho, Policies A36100ID–A36400ID, & A363OFID. In Oklahoma, Policies A36100OK– A36400OK, & A363OFOK. In Virginia, Policies A36100VA – A36400VA, & A363OFVA.
Cancer/Specified-Disease (B70000 series): In Delaware, Policies B70100DE, B70200DE & B70300DE. In Idaho, Policies B70100ID–B70300ID & B7010EPID–B7020EPID. In Oklahoma, Policies B70100OK–B70300OK & B7010EPOK. In Virginia, Policies A75100VA–A75300VA.
Lump Sum Critical Illness/Specified Health Event (B71000 series): . In Delaware, Policies B71100, B71200, B7130H & B7140H. In Oklahoma, Policies B71100OK & B7110HOK.
Supplemental Dental (A81000 series): In Delaware, Policies A81100–A81400. In Idaho, Policies A81100RID through A81400RID. In Oklahoma, Policies A81100OK through A81400OK. In Virginia, Policies A81100VA through A81300VA.
Hospital (B40000 series): In Delaware, Policies B40100DE & B4010HDE. In Idaho, Policies B40100ID & B4010HID. In Oklahoma, Policies B40100OK & B4010HOK. 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.
Supplemental Vision (VSN series): In Delaware, Policy VSN100. In Idaho, Policy VSN100ID. In New York, Policy NYVSN100. In Oklahoma, Policy VSN100OKR. In Virginia, Policy VSN100VA.
Aflac supplemental insurance coverage is underwritten by Aflac. In New York, supplemental coverage underwritten by Aflac New York.
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