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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.
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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 coverage from Aflac.
Get StartedThere 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.
Get Started
Supplemental health insurance covers what your normal health insurance plan may not. Learn more about the types of supplemental health insurance plans available to you.
Interested in health insurance for retirees? Learn how health insurance for early retirees works and some early retirement health insurance options for you.
Supplemental health insurance covers what your normal health insurance plan may not. Learn more about the types of supplemental health insurance plans available to you.
Interested in health insurance for retirees? Learn how health insurance for early retirees works and some early retirement health insurance options for you.
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.
Coverage underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York.
Accident: A36000: In Delaware, Policies A36100DE—A36400DE, & A363OFDE. In Idaho, Policies A36100ID–A36400ID, & A363OFID. In Oklahoma, Policies A36100OK– A36400OK, & A363OFOK. In Virginia, Policies A36100VA – A36400VA, & A363OFVA. 37000: In DE, Policies A371AA & A371BA. In ID, Policy A37000ID. In OK, Policy A37000OK. In VA, Policies A371AAVA & A371BAVA. Cancer: 72200: In Delaware, Policy A72200. In Idaho, Policy A72200ID. In Oklahoma, Policy A72200OK. In Virginia, Policy A72200VA. 75000: In Virginia, policies A75100VA–A75300VA. B7000: In Delaware, Policies B70100DE, B70200DE & B70300DE. In Idaho, Policies B70100ID, B70200ID, B70300ID, B7010EPID, B7020EPID. In Oklahoma, Policies B70100OK, B70200OK, B70300OK, B7010EPOK, B7020EPOK. Critical Illness: In Delaware, Policies A73100DE & A7310HDE. Policies B71100, B71200, B7130H & B7140H. In Oklahoma, Policies A73100OK & A7310HOK. Policies B71100OK & B7110HOK. In Virginia, Policy A73100VA. Hospital: B4000: In Delaware, Policies B40100DE & B4010HDE. In Idaho, Policies B40100ID & B4010HID. In Oklahoma, Policies B40100OK & B4010HOK. In Virginia, Policies B40100VA & B4010HVA. STD: 57600: In Delaware, Policies A57600DE & A57600LB. In Idaho, Policy A57600IDR. In Oklahoma, Policies A57600OK & A57600LBOK. In Virginia, Policies A57600VA & A57600LBVA. Dental: 81000: In Delaware, Policies A81100–A81400. In Idaho, Policies A81100ID–A81400ID. In Oklahoma, Policies A81100OK–A81400OK. In Virginia, Policies A81100VA–A81200VA.82000: In Delaware, Policies A82100R–A82400R. In Idaho, Policies A82100RID–A82400RID. In Oklahoma, Policies A82100ROK–A82400ROK. In Virginia, Policies A82100RVA–A82400RVA. Vision: In Delaware, Policy VSN100. In Idaho, Policy VSN100ID. In Oklahoma, Policy VSN100OKR. In Virginia, Policy VSN100VA.
Coverage is underwritten by Tier One Insurance Company.
Accident: In Delaware, Policy T37000. In Idaho, Policies T37100IDR, T37200IDR, & T37300IDR.In Oklahoma, Policy T37000OK. In Virginia, Policies T37100VA, T37200VA, T37300VA, T37400VA, T37600VA. Not available in NJ or NY. Cancer/Specified-Disease: In Delaware, Policy T70000. In Idaho, Policy T70000ID. In Oklahoma, Policy T70000OK. In Virginia, policies T70000VA & T70000GVA. Not available in NY. Critical Illness: In Delaware, Policy T71000. In Oklahoma, Policy T71000OK. In Virginia, Policy T71100VA. Not available in ID or NY. DVH: In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. Not available in NY or VA. Tier One does not offer Hospital or Short-term disability.
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.
Final Expense: Arkansas, Delaware, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, & Virginia, 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. 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 (Tier One NAIC 92908).
This is a brief product overview only. 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.
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.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999
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