Aflac is an American insurance company that provides supplemental insurance coverage for individuals and groups to help pay benefits major medical insurance will not cover. The company offers a range of products including accident, cancer, critical illness, dental, hospital indemnity, life, short-term disability, and vision insurance.

Unlike most insurance companies, Aflac health insurance concentrates on supplemental insurance. Regular insurance policies, even strong ones, have deductibles, premiums, copays, and other fees that can quickly build up to thousands of dollars in uncovered bills. Supplemental insurance provides additional protection to further help with illnesses or accidents, or routine health care costs. Aflac’s accident insurance policy pays cash benefits directly to the policyholder if they experience a covered accident or injury. The policy can help pay for out-of-pocket expenses such as deductibles and copayments.

Since policies are not significant medical health insurance, they are deemed HIPAA-accepted benefits. This means they are provided in addition to major medical coverage and are not a part of an individual’s health plan. Despite their exception, these benefits are frequently excluded from main medical insurance laws and regulations.

Aflac offers financial benefits directly to you, unless otherwise specified, to assist with everyday expenses when you are sick or injured. You can collect your benefit as a lump sum or over time, depending on the policy you have in place, the unique scenario you’re dealing with, and your preference. The benefits are pre-determined and paid regardless of whether you have other insurance.

Aflac health insurance for individuals assists you in paying for the numerous out-of-pocket expenses you incur when you are sick or injured, such as transportation to and from medical facilities, parking, and increased childcare expenses.

During illness or injury, Aflac may also offer you and your family coverage and protection to help you maintain daily life. The company’s cancer insurance policy provides cash benefits to help pay for expenses related to cancer treatment. The policy can help pay for expenses such as transportation to treatment centers, lodging near treatment centers and lost income due to missed work. Furthermore, Aflac prices do not increase when you file a claim. When you have an Aflac policy, you own it. You are the sole owner. You can keep your pension even if you change jobs or retire.

Aflac’s critical illness insurance policy provides cash benefits if the policyholder is diagnosed with a covered critical illness such as heart attack, stroke, or cancer. The policy can help pay for expenses such as medical bills, transportation to treatment centers and lost income due to missed work.

The Advantage Benefits Team aims to save our clients both time and money. Our experienced insurance professionals take the time to find the plan that best suits your budget and needs so that you don’t have to spend hours finding the right partner. Moreover, we ensure that your insurance provides you with as much coverage as you feel essential. Contact the Advantage Benefits Team today to discuss the wide range of Aflac health insurance options available to you!