Notifications from Aflac

We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for Utah policyholders residing in Utah who were affected by the wildfires, Aflac will provide a premium grace period starting July 31, 2025, and ending Sept. 29, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent weather:

To help provide relief for California policyholders residing in Humboldt, Mendocino, Modoc, Napa, Shasta, Sonoma, and Trinity Counties affected by the winter storms, Aflac will provide a premium grace period starting Jan. 31, 2025, and ending Sept. 29, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent weather:

To help provide relief for North Dakota policyholders residing in North Dakota who were affected by the severe summer storms and tornadoes, Aflac will provide a premium grace period starting June 21, 2025, and ending Aug. 20, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for Oregon policyholders residing in Oregon who were affected by the wildfires, Aflac will provide a premium grace period starting July 16, 2025, and ending Sept. 15, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for Oregon policyholders residing in Crook County who were affected by the wildfires, Aflac will provide a premium grace period starting July 12, 2025, and ending Sept. 10, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent flooding:

To help provide relief for Texas policyholders and/or certificate holders residing in Bandera, Bexar, Burnet, Caldwell, Coke, Comal, Concho, Gillespie, Guadalupe, Kendall, Kerr, Kimble, Llano, Mason, McCulloch, Menard, Reeves, San Saba, Tom Green, Travis, and Williamson counties who were affected by the flooding, Aflac will provide an extended premium grace period starting July 2, 2025, and ending Sept. 8, 2025. This grace period also includes an extension of filing deadlines for claims and leniency for any other actions required under the policy and/or certificate. Aflac will provide a replacement copy of the policy and/or certificate upon request by the policyholder and/or certificate holder.

For Network Dental and Vision Members:

This grace period also includes an extension of filing deadlines for claims; temporary relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability of in-network providers or member displacement; and leniency for any other actions required under the certificate.

Affected members should contact Aflac Benefits Solutions (formerly Argus Dental and Vision) at 855-819-1873, option 1, for assistance.


We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for Oregon policyholders residing in Klamath County who were affected by the wildfires, Aflac will provide a premium grace period starting July 8, 2025, and ending Sept. 08, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for Oregon policyholders residing in Umatilla County who were affected by the wildfires, Aflac will provide a premium grace period starting July 2, 2025, and ending Sept. 02, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent wildfires:

To provide relief for New Mexico policyholiders and/or certificate holders residing in Grant County and affected by the Trout Fire, Aflac will provide the following protections for policyholders and/or certificate holders: Provide an extended premium grace period from Thursday, Jun. 12, 2025 through Monday, Sep. 15, 2025. Offer policyholders and/or certificate holders a payment plan of no less than six (6) months if unable to pay the delinquency after the extended day grace period (This applies to all coverages except life.). Work with policyholders and/or certificate holders on premium payments to prevent lapse and cancellation of policies. Waive late fees and penalties. Waive early refill time limits on active prescriptions. Allow additional time for actions required under the policy and/or certificate and the submission of documents due to limited access to service and mobility. Provide an extension of filing deadlines for claims and leniency for any other action required under the policy and/or certificate. Provide a copy of the policy and/or certificate to the policyholder and/or certificate holder upon request.

In addition to the above, Aflac through Aflac Benefits Solutions will provide the following protections for Network Dental and Vision members and providers: Waive cost sharing and deductibles. Permit one eyeglass or contact lens replacement and one hearing aid replacement during the pendency of the Emergency Order, waiving frequency limitations. Permit one replacement for dentures or other prosthodontic devices during the pendency of this Emergency Order, waiving frequency limits. Waive additional fees, charges, referrals, eligibility and prior authorization requirements for medically necessary services, whether emergent or not. This applies to benefits and services obtained from both in- and out-of-network providers. Extend medical providers' reporting requirements for claims submissions and for additional information relating to claims. Fully reimburse out-of-network providers at the usual, customary, and reasonable rate.

Affected members should contact Aflac Dental and Vision (formerly Argus Dental and Vision) at 855-819-1873, option 1, for assistance.


We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for Oregon policyholders residing in Jefferson County who were affected by the wildfires, Aflac will provide a premium grace period starting June 16, 2025, and ending Aug. 18, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for California policyholders residing in Los Angeles County affected by the wildfires, Aflac will provide a premium grace period starting Dec. 9, 2024, and ending Aug. 18, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for Oregon policyholders residing in Wasco County who were affected by the wildfires, Aflac will provide a premium grace period starting June 11, 2025, and ending Aug. 11, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent weather:

To help provide relief for Maryland policyholders residing in Allegany and Garrett Counties affected by the flooding, Aflac will provide a premium grace period starting May 13, 2025, and ending July 14, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent weather:

To help provide relief for California policyholders residing in Trinity County affected by the Dec. 15, 2024, and Dec. 29, 2024, winter storms, Aflac will provide billing leniency for impacted insureds, an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder. Affected members should contact Aflac at 800-992-3522 for assistance.

For Network Dental and Vision Members:

This also provides an extension of filing deadlines for claims and leniency for any other action required under the certificate. Affected members are not required to obtain prior approval when accessing appropriate out-of-network providers when in-network providers are unavailable. The cost-sharing for out-of-network will be in amount equal to cost-sharing affected members would have paid for the provision of that service in-network. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent levee failure:

To help provide relief for California policyholders residing in San Joaquin County affected by the Oct. 21, 2024, Victoria Island Levee failure, Aflac will provide billing leniency for impacted insureds, an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder. Affected members should contact Aflac at 800-992-3522 for assistance.

For Network Dental and Vision Members:

This also provides an extension of filing deadlines for claims and leniency for any other action required under the certificate. Affected members are not required to obtain prior approval when accessing appropriate out-of-network providers when in-network providers are unavailable. The cost-sharing for out-of-network will be in amount equal to cost-sharing affected members would have paid for the provision of that service in-network. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for California policyholders residing in Los Angeles and Ventura Counties affected by the wildfires, Aflac will provide billing leniency for impacted insureds, an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder. Affected members should contact Aflac at 800-992-3522 for assistance.

For Network Dental and Vision Members:

This also provides an extension of filing deadlines for claims and leniency for any other action required under the certificate. Affected members are not required to obtain prior approval when accessing appropriate out-of-network providers when in-network providers are unavailable. The cost-sharing for out-of-network will be in amount equal to cost-sharing affected members would have paid for the provision of that service in-network. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


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Is Hospital Indemnity Insurance Worth It?

Hospital indemnity insurance can help protect you from the significant expenses that hospital stays often bring. It’s flexible, meaning you can use it to help cover a variety of costs you might incur after you spend time in the hospital. Keep reading to learn more about how hospital indemnity insurance works and whether it makes sense for your unique situation.

2 Min Read

How does hospital indemnity insurance work?

You can apply for hospital indemnity insurance in addition to your standard health insurance plan. As long as you continue to pay your premiums, you’ll receive a benefit to help cover expenses you might face as a result of a covered hospital stay. Unlike standard health insurance, hospital indemnity insurance sends you the benefit directly (unless assigned otherwise), so you have complete freedom of how you use it.1

Hospital indemnity insurance coverage

Since hospital indemnity insurance is flexible, you can use it to help pay for a variety of expenses.1

Hospital indemnity insurance cost

Just like most insurance plans, the price of hospital indemnity insurance will depend on factors like your age, location, coverage amount, and the insurance company you choose. However, many policies are very affordable and can start at around $10 per month.1

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Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.

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How hospital indemnity insurance compares to other policies

Here’s a look at how hospital indemnity insurance compares to other types of supplemental policies Aflac offers:

Accident insurance

While hospital indemnity insurance is designed to help pay for expenses related to hospital stays, accident insurance is for costs incurred due to sudden accidents and injuries. Both policies pay benefits directly to the policyholder, unless assigned otherwise.

Critical illness insurance

Hospital indemnity insurance helps pay for hospitalization expenses. Critical illness insurance, on the other hand, offers a lump sum benefit if you’re diagnosed with a covered health event.

Cancer insurance

While a hospital indemnity policy helps cover hospitalization expenses, cancer insurance pays out a lump-sum benefit if you’re diagnosed with cancer. You can use cancer insurance for cancer-related medical expenses and everyday costs.

Short-term disability insurance

Short-term disability insurance can come in handy if an injury or illness puts you out of work for a temporary period of time. It differs from hospital indemnity insurance, which is intended for hospitalization expenses.

When is hospital indemnity insurance worth it?

You might want to explore hospital indemnity insurance if any of the following situations apply to you:

  • If you’re planning to have a baby
  • If you want coverage in case of accidents

With hospital indemnity insurance, you can avoid the hefty costs of accident-related hospital stays. This type of policy may reassure you that you’ll have help in the event a covered accident strikes.

What to consider when getting hospital indemnity insurance

As you shop around for a hospital indemnity insurance plan, it’s a good idea to focus on these factors:

Individual vs. family coverage

Ask yourself whether you’re looking for a policy that only helps cover you or you’d prefer a policy that helps protect your entire family.

Coverage length

Since many plans pay based on the number of hospitalization days, you’ll want to determine the ideal amount for you.

Cost

Look for a hospital indemnity insurance policy that offers the most affordable coverage for your particular needs.

Get a quote for hospital indemnity insurance

Aflac offers affordable hospital indemnity insurance that can help give you peace of mind. Aflac processes completed policyholder claims quickly following covered hospital stays. Start chatting with an agent and consider getting a quote today.

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Learn more about Aflac products for Individuals & Families: