Aflac Supplemental Insurance
What Is Aflac Supplemental Insurance?
Aflac offers supplemental insurance designed to help with out-of-pocket expenses that major medical insurance doesn’t always cover.
These plans pay cash benefits directly to you, not the doctor—so you can use the money however you need.
Supplemental insurance works alongside your health insurance (including Medicare or employer coverage). When a covered event happens, the plan pays a set cash benefit that can help with:
• Deductibles and copays
• Prescriptions and treatment costs
• Travel, lodging, or everyday bills
• Lost income during recovery
You decide how the money is used.
Common Aflac Plans We Offer
Accident Insurance
Provides cash benefits if you’re injured due to a covered accident—helpful for ER visits, imaging, follow-up care, and recovery expenses.
Cancer Insurance
Helps with costs related to cancer diagnosis and treatment, including chemotherapy, radiation, and related care.
Hospital Indemnity Insurance
Pays cash benefits for hospital stays, admissions, and confinement—often used to offset inpatient costs.
Critical Illness Insurance
Provides a lump-sum benefit if you’re diagnosed with a covered condition such as a heart attack or stroke.
How Aflac Works With Medicare or Employer Coverage
• Aflac does not replace your major medical insurance
• Benefits are paid in addition to Medicare or employer plans
• Cash payments go directly to you
• Coverage can help protect savings and reduce financial stress
Many clients use Aflac to help cover gaps that Medicare or group health plans don’t fully address.
Is Aflac Right for You?
Aflac may be a good fit if you want:
• Extra financial protection
• Predictable cash benefits
• Help managing unexpected medical expenses
Every situation is different. The right plan depends on your health coverage, budget, and goals.