Except in New York, individual insurance and group dental and vision insurance is offered by American Family Life Assurance Company of Columbus. In NY both group and individual coverage is offered by American Family Life Assurance Company of New York. Group policies are offered by Continental American Insurance Company (CAIC). CAIC is not licensed to solicit business in New York, Guam, Puerto Rico or the Virgin Islands. In CA, CAIC does business as Continental American Life Insurance Company (CAIC NAIC 71730)
Dental and Vision plans are administered by Aflac Benefit Solutions, Inc.
Aflac Worldwide Headquarters | Columbus, GA
Aflac Group | Columbia, SC
American Family Life Assurance Company of New York | Albany, NY
Aflac’s Premium Life, Absence and Disability Services are available in all states, except Puerto Rico, Guam or the Virgin Islands, and are offered by Continental American Insurance Company (CAIC). Self-funded plans and absence services are administered by CAIC in all states but NY. In NY, self-funded plans and absence services are administered by and insurance is offered by American Family Life Assurance Company of NY. Administrative services are not insurance and are not considered legal advice. Products may not be available in all states and may vary depending on state law.
Direct to Consumer Business is underwritten by Tier One Insurance Company, doing business as Tier One Life Insurance Company in California (Tier One NAIC 92908)
FAQs
Supplemental insurance can complement a variety of health insurance plans by providing specific coverage for accident, cancer, critical illness, hospital, short-term disability, dental, and vision. We can help provide support in one or multiple of these areas.
What does supplemental insurance cover? ›
There are many different types of supplemental health insurance, including vision, dental, hospital, accident, disability, long-term care, and Medicare supplemental plans. There are also supplemental health insurance plans for specific conditions, such as cancer, stroke, or kidney failure.
What supplemental insurances are like Aflac? ›
Top 10 Aflac competitors
- Symetra.
- MS&AD Insurance Group.
- Assurant.
- Prudential.
- MetLife.
- Cigna.
- Unum Group.
- EyeMed.
Many Aflac policies range anywhere from $8 to $25 or more per month.
What does Aflac not cover? ›
We will not pay benefits for confinement to an observation unit, or for emergency room treatment or outpatient treatment.
Is it good to get supplemental insurance? ›
For many, supplemental health coverage can be a cost-effective way to help with out-of-pocket costs. Here are a few of the advantages to supplemental health insurance plans: They typically come with affordable monthly premiums. They can offer financial support when you experience unexpected medical situations.
What is Aflac insurance good for? ›
Aflac accident insurance pays cash benefits to help provide peace of mind during the different stages of accident care and recovery. Benefits can be used to help pay for emergency treatment, as well as for treatment-related transportation and lodging.
Why would a person consider supplemental insurance? ›
Supplemental policies may improve the medical coverage you already have. They may cover a different set of services, such as dental care. They may also function in different ways, such as paying out a set price if you need treatment, rather than paying a percentage of the medical bill.
Is Aflac considered health coverage? ›
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.
Who is better than Aflac? ›
Top 5 Competitors & Alternatives to aflac.com
List of aflac.com competitors in March 2024: guardianlife.com , with 1.56M visits, 55 authority score, 37.22% bounce rate. newyorklife.com , with 2.58M visits, 52 authority score, 42.84% bounce rate. fidelitylife.com , with 95.4K visits, 36 authority score, 94.16% bounce ...
Prudential Financial, Inc. (NYSE:PRU) is one of the best alternatives to Aflac with 18 million customers on board. Prudential Financial, Inc. (NYSE:PRU) provides a range of supplemental health benefits.
Is Aflac worth it reviews? ›
Aflac has a solid A+ A.M. Best rating, meaning it is well-positioned to pay out benefit claims. Its downside is customer service, which has received criticism from both customer reviews and third-party rankings.
How far back will Aflac pay? ›
We will pay the amount shown when, because of a covered accident, you are injured and those injuries cause confinement to a hospital for at least 24 hours within 90 days after the accident date. The maximum period for which you can collect the Hospital Confinement Benefit for the same injury is 365 days.
How is Aflac different than regular insurance? ›
AFLAC IS INSURANCE FOR EVERYDAY LIVING. IT HELPS WITH EXPENSES THAT HEALTH INSURANCE ISN'T DESIGNED TO COVER. Aflac is portable even if there is an employment change. Major medical isn't transferable when changing jobs or unemployed.
Will Aflac cover surgery? ›
Aflac pays a fixed amount of money for each type of surgery, depending on the specific policy and the type of surgery performed. For example, the Aflac Accident policy pays $125 for outpatient operations performed within 90 days of an accident.
