We care about Aflac’s policyholders affected by the recent weather:
To help provide relief for California policyholders residing in Santa Cruz County who were affected by the coastal storms, Aflac will provide a premium grace period starting Dec. 23, 2024, and ending Apr. 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 California policyholders residing in Los Angeles and Ventura Counties affected by the wildfires, Aflac will provide a premium grace period starting Jan. 7, 2025, and ending Mar. 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; 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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When the unexpected happens, a trip to the hospital may be a possibility. Hospital indemnity insurance can help ease your stress about hospital bills so you can focus more on getting better.
Essentially, hospital indemnity insurance can help provide protection or assistance with expensive bills that can add up after a visit to the hospital. Hospital indemnity insurance can also be referred to as hospital insurance.
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Your primary medical insurance provider may cover a lot of the costs after copays are made and deductibles are met. However, there can still be substantial out-of-pocket expenses. Hospital indemnity insurance plans pay the policyholder directly, unless otherwise assigned, to help with hospital costs.
Aflac offers hospital indemnity insurance, with premiums payable through worksite payroll deductions. We recommend chatting with your employer to see if Aflac Hospital Insurance is offered through your employer. If not, Aflac offers other individual plans that can help you bounce back from covered injuries or illnesses.
Hospital indemnity insurance is a supplemental policy that can provide a financial cushion if you have to go to the hospital. Every hospital indemnity insurance plan is different, but Aflac's hospital insurance pays the policyholder cash benefits, unless otherwise assigned. These benefits can be used to help pay for a variety of treatments and procedures related to hospital stays.
Hospital indemnity insurance coverage options vary according to different benefits that are offered, and may also depend on what state you're in. These plans can help you cover the costs of intensive care, hospital confinement, prescription drugs and more.
Here are a few specific details that can make Aflac hospital indemnity insurance worth it for policyholders and companies at large:
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedEven though our hospital indemnity insurance plans are only available through employer payroll deductions, Aflac offers other individual supplemental options that you may want to consider. These plans can still help financially protect you if you're faced with high hospital bills. The supplemental plans listed below can be applied for individually and premiums can be paid on a direct basis:
To determine if hospital indemnity insurance is worth it, we will dive into a hypothetical example.
We hope it never comes to this, but let's say you have a heart attack. You feel a tight pain in your chest and before you know it an ambulance rushes you to the emergency room. There, your doctors run a variety of tests on you, and it is determined that you will need a stent. The surgery goes well but your doctor prescribes you beta-blockers to stay on the safe side.
Your primary medical insurance may cover the majority of the costs for the treatments, but the deductible may still be higher than you anticipated. There can still be a lot of expenses remaining that you are expected to pay for on your own. That's where Aflac hospital indemnity insurance coverage comes in. Our plans pay cash benefits directly, unless otherwise assigned, to help with unexpected costs.
If that sounds like something you and your family could benefit from, a hospital indemnity insurance plan may be the right choice for you.
If you are an employer, our hospital indemnity insurance can help employees feel safe and better prepared for life's curve balls. If you are an employee and your company doesn't currently offer hospital insurance, we recommend starting the conversation with them Providing your employers with more information about hospital insurance, such as the plans offered by Aflac, may also be helpful.
Aflac can also help you clarify which direction is best given your current employment situation and health care coverage.
Get Started
Hospital indemnity insurance offers coverage to help pay your medical expenses after an injury or illness. Learn what hospital indemnity insurance covers.
Hospital indemnity insurance offers coverage if you’re hospitalized. Learn how hospital indemnity insurance works to decide whether this plan is worth it.
Hospital indemnity insurance offers coverage to help pay your medical expenses after an injury or illness. Learn what hospital indemnity insurance covers.
Hospital indemnity insurance offers coverage if you’re hospitalized. Learn how hospital indemnity insurance works to decide whether this plan is worth it.
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, 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. A37000 series: In Delaware, Policy A371AA & A371BA. In Idaho, Policy A37000ID. In Oklahoma, Policy A37000OK. In Virginia, Policies A371AAVA & A371BAVA.
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.
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.
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.
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
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