FAQ's 

Aflac Supplemental Insurance                                        

How Does Aflac Supplemental Health Insurance Work?

Supplemental insurance, which is what Aflac offers, pays a cash benefit to the insured. The amount of cash and how it is paid out depends on the supplemental health insurance plan or policy. Some of the very popular and valuable supplemental health insurance policies are specific disease insurance such as: a policy for cancer, an accidental death policy and dismemberment insurance or accident health insurance, and hospital indemnity insurance.

Deciding on Supplemental Health Insurance

Once you have health insurance, you may want to consider one of Aflac's many supplemental policies depending on your risk factors and how much insurance you want to carry or can afford to carry and how much savings you have put back.

First, Obtain a Good Health Insurance Policy

Of course, the first thing you want to have is a good health insurance policy. This site is specifically designed to help you do that: if you need health insurance, want to compare other health insurance quotes (a free service to anyone) or simply want to ensure you have the best health insurance coverage at the best rate available for yourself, your family or your company. I can help you analyze your current health care coverage and possibly offer a more suitable plan at a better rate with the best coverage for your needs. But in general, a good health insurance policy will pay for your health insurance bills very well. Supplemental health insurance comes in to help you pay for what your health insurance does not pay or other expenses you cannot pay if something should happen where you temporarily or permanently cannot make an income to pay your bills.

What to Consider when Choosing one of Aflac's Supplemental Health Insurance Plans 

I can discuss with you Aflac's excellent supplemental plans and how they work in conjunction with your current health care plan(s). Some things to consider when deciding if you need a supplemental health insurance plan or plans are your health risk factors, your savings, and how much insurance you can afford. Of course no one can predict what their health will be in the future, but if you want to have good peace of mind concerning your current health coverage, have experienced poor health, have a family history of health problems or a specific hereditary health problem you are at risk for such as Cancer you would be wise to look into an Aflac supplemental policy. Also, your savings should play an important role in your decision to purchase a supplemental health insurance policy. If you were in the hospital for a few weeks or more, would you have enough to cover your other expenses that your insurance would not?

Here are 3 of the most common supplemental health insurance policies and their descriptions:

1. Disease Specific Insurance: This type of supplemental health insurance provides a cash benefit paid directly to you if you require treatment for a specific disease such as cancer. Usually the benefit is paid per day or per procedure. There is a usually a minimum daily benefit. The cash can be spent in any way you would choose and getting your benefit would have nothing to do with how much your insurance paid for your medical costs.

2. Supplemental Accident Health Insurance or Accidental Death and Dismemberment Insurance: This type of supplemental insurance typically would reimburse you for medical costs resulting from accidents. Benefits are paid if you die (to your beneficiaries) or are disabled due to a specific accident outlined in the policy. Premiums are usually low and no medical exam is required. Accidents can include car accidents and accidents in the home or at your job. Also, if you loose limbs, fingers, toes, or your vision due to a covered accident, you may be able to collect a percentage of the death benefit.

3. Hospital Indemnity Insurance: This type of supplemental health insurance provides a daily, weekly, or monthly cash benefit if you are confined to a hospital stay. Usually there is a minimum hospital stay before benefits are paid. The cash benefit is paid in addition to any other insurance you may have. Benefits are usually reduced if you are confined to a mental hospital and often you can find plans through an employer that require no health exam.

FOR INTENSIVE CARE INDIVIDUALS: If you have ever been out of work because of an accident or illness, you know there are 2 things that are increasingly hard to come by; peace of mind and cash. Aflac policies help provide both.

All of our policies-from accident/disability to vision-offer direct-to-the-policyholder cash payouts to help cover what other insurance don't.

Aflac policies cover just about any need, including:

~Accident/Disability

~Cancer/Specified disease

~Dental

~Hospital Confinement Indemnity

~Hospital Confinement Sickness Indemnity

~Hospital Intensive care

~Life

~Long term Care

~Short term Disability

~Specified health Event

~Vision

FOR EMPLOYERS AND BUSINESS OWNERS: Aflac knows Benefit managers have a million things to do. Aflac offers a variety of features and administrative services that make it easy for them to offer flexible benefit plans and tax saving incentives.

Flex One: Lets employees use pre-tax dollars for qualified benefits, like health insurance and child care.

COBRA Administration: Reduces administrative burdens and liability of the continuation of employee coverage

Schools One: Administer your schools benefits program easily and productively.

Transit One: Allows employees to use pre-tax dollars for parking and mass transit costs.

Single Point Billing: Consolidates billing and administrative requirements from multiple insurance carriers in a single benefits package.

Aflac pays your employees, the policyholders, and pays them quickly, usually within four days. That way they have the cash benefits they need to help pay expenses not covered by major medical. It's a great way to show your people you care.

Aflac policies cover just about any need for Employer and Business Owners as well, including:

~Accident/Disability

~Cancer/Specified disease

~Dental

~Hospital Confinement Indemnity

~Hospital Intensive care

~Life

~Long term Care

~Short term Disability

~Specified Health Event

~Vision

For more information on Long Term Care Policies Go to Quotemenow-LTC.COM

For more information or to get a quote, fill out my online "Contact Quote Me Now-Health form" and I will promptly get back to you. This is an outstanding opportunity to be assured you have excellent and valuable in-depth health coverage.

Always feel free to contact me by e-mail or phone on my "Contact" page.