What insurance does Aflac offer?

What type of insurance does Aflac specialize in?

Aflac is voluntary insurance, or an optional layer of financial protection. And with healthcare costs on the rise, more Americans than ever are seeking an extra financial safety net for unexpected medical expenses.

Does Aflac offer regular health insurance?

Aflac policies are considered HIPAA excepted benefits because they are not major medical health insurance. This means they’re offered separately from major medical coverage and are not an integral part of an individual’s health plan.

Does Aflac cover regular doctor visits?

A. PHYSICIAN VISIT BENEFIT: Aflac will pay $25 when a Covered Person incurs a charge for a visit (including a Telemedicine Visit) to a Physician, Psychologist, or Urgent Care Center. … If the Type of Coverage for the policy is Individual, the benefit is limited to three visits per Calendar Year, per policy.

What does Aflac pay you for?

Accident Emergency Treatment Benefit Aflac will pay $120 for the insured and the spouse, and $70 for children if a covered person receives treatment for injuries sustained in a covered accident. This benefit is payable for X-rays, treatment by a physician, or treatment received in a hospital emergency room.

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What surgeries does Aflac cover?

No lifetime maximum. Surgical Benefit Aflac will pay $50–$1,000 when a surgical operation is performed, including a vaginal or cesarean delivery, on a covered person for a covered sickness or injury in a hospital or an ambulatory surgical center.

Can you enroll in AFLAC at any time?

Q: Can I enroll in the AFLAC plan anytime? A: No, you can only enroll during your initial eligibility period, and then during any announced open enrollment period.

Can you keep AFLAC on your own?

Q: If I quit, can I keep my AFLAC plan? A: Yes, your benefit is portable – and can follow you to your new employer. Your premium will become directly billed by AFLAC.

Does AFLAC cover pre existing conditions?

A. Disability caused by a Pre-existing Condition or reinjuries to a Pre- existing Condition will not be covered unless it begins more than 12 months after the Effective Date of coverage. … Aflac will not pay benefits for a disability that is being treated outside the territorial limits of the United States.

How much will Aflac pay for ER visit?

HOSPITAL EMERGENCY ROOM BENEFIT: Aflac will pay $100 when a Covered Person receives treatment for a covered Sickness or Injury in a Hospital Emergency Room, including triage, and a charge is incurred for such treatment. This benefit is payable twice per Calendar Year, per Covered Person. No lifetime maximum.

Does Aflac cover prescription drugs?

The No Cost Prescription Program helps you save on the price of brand name and generic prescription medications. The No Cost Prescription Program is included with the purchase of any pass.

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Is Aflac a good idea?

Aflac has an A+ rating from A.M. Best, a credit rating agency for the insurance industry. Aflac also sells some of its supplemental insurance products directly to individuals.