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!