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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. Read on to learn how hospital insurance works and what it covers.
Table of Contents
Hospital indemnity insurance is a supplemental policy that can help you pay for expenses your primary insurance doesn’t cover 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.
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 supplemental insurance plans for individuals that can help you bounce back from covered injuries or illnesses.
Here are some hospital-related costs that hospital indemnity insurance may assist you with:
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, consider this hypothetical example. We hope it never comes to this, but let's say you have a heart attack and get rushed 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 and there may be many expenses remaining. 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 curveballs. If you are an employee and your company doesn't currently offer hospital insurance, we recommend starting the conversation with them. Aflac can also help you clarify which types of coverage may be 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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