Almost Everything to know about the Aflac Hospital Plan

Note: This article refers to information concerning our latest Aflac plan. If you have not updated your Aflac plan since August 2019, this information might not reflect your plan. If you’d like to update your Aflac plan or have questions concerning your plan, give us a call at 888-315-8027 or email us at [email protected].

We offer four Aflac plans: Whole Life, Critical Illness, Accident, and Hospital Indemnity (we’ll call it the Hospital plan from here on out). While you might have a good guess at what each plan covers from the title alone, each plan has their own set of benefits that you might not notice from a quick glance at the cover of a brochure, that’s especially true for the Hospital plan.

Yes, the Hospital plan does cover you if you are admitted into a hospital, if you stay overnight (up to 31 days per injury/illness), or if you receive a major diagnostic exam (like a CAT scan, an MRI, or an EEG). But it also pays out on surgery, getting a prescription filled, and even just going to your normal doctor (in fact there is even separate coverage for chiropractor visits and telemedicine!). And that’s just the tip of the iceberg.

One of the best parts about Aflac’s Hospital plan is that it covers pre-existing conditions. This is unique, as most forms of supplemental insurance do not offer coverage for any chronic illness or disease/condition you were diagnosed with prior to enrolling in coverage.

This means people with diabetes, heart conditions, auto-immune diseases, can all receive coverage without fear of being turned away. Aflac even goes one step further and allows coverage for individuals who have scheduled surgeries or are pregnant prior to signing up for coverage. As long as the covered qualifying event happens after your plan’s effective start date, you will receive your benefit!

So, if you’re pregnant or going to have a surgery in the future, it might be a good idea to sign up during Open Enrollment, odds are you’ll receive a payout large enough to cover the cost of Aflac and more!

How much is it and How much does it Pay out?

The Hospital plan is divided into a “high” and “low” option. The high option costs more per pay period but offers bigger payouts, whereas the low option costs less per pay period but has comparatively smaller payouts. You can change your plan from high to low at any point after you sign up for coverage.

The payouts vary pretty drastically based on the event and whether you’re enrolled in the low or high plan. Some events, like hospital confinement payout daily (up to 31 days) while others are limited to one annual payout, like the mammogram benefit.

A lot of our members actively plan around their Aflac claims so that way they can use their benefits to help make their plan more affordable. If you’re going to regular doctor visits for a chronic illness/injury, have a recurring prescription, and get your mammogram, with the high plan, you’ll receive up to $500. Since the high plan will cost around $750 annually, you’re basically paying for 2/3rds of the plan just by doing things you probably would (or should) be doing anyway.

Signing Up and Important Notes

Aflac Enrollment is available during open enrollment. During that time, we'll have a web portal set up so you can sign up digitally.

If you’d prefer to sign up over the phone or have more questions about possible exclusions or other things to consider, you sign up for a meeting with one of our Aflac specialists by clicking the link below.

REMINDER. Aflac is not like a traditional health plan. You need to file a claim in order to receive benefits. No worries though, we’ll act as a mediary between you and Aflac so it’s as simple as sending us a couple of emails. You can find a guide we put together to help you through that process by clicking here.

Additionally, if you have any questions about what is or isn’t covered under the Aflac Hospital plan (or any of our other plans) feel free to email us at [email protected] or give us a call at 888-315-8027.