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.
Can you keep Aflac on your own?
Q: If I quit, can I keep my AFLAC plan? A:
Yes, your benefit is portable – and can follow you to your new employer
. Your premium will become directly billed by AFLAC.
Can you get Aflac as an individual?
If you find yourself unable to work, Aflac short-term disability insurance will provide cash to help ease the financial stress of a covered illness or injury. Ask your employer about Aflac Short-Term Disability insurance.
This product is available through worksite payroll deduction only
.
How soon after getting Aflac can you use it?
Standard Coverage Effective Date Business Guidelines- As a new hire, you are eligible to enroll
during your first 30 days of employment
. Your policy will be effective on the first day of the month following your enrollment.
What illnesses does AFLAC cover?
Critical Illnesses are: Heart Attack due to coronary artery disease or acute coronary syndrome; ischemic Stroke due to advanced arteriosclerosis or arteriosclerosis of the arteries of the neck or brain; hemorrhagic Stroke due to uncontrolled high blood pressure, malignant hypertension, brain aneurysm, or arteriovenous …
Does AFLAC cover pre existing conditions?
Disability caused by a Pre-existing Condition will not be covered unless it begins more than 12 months after the Effective Date of coverage
. Aflac will not pay benefits for a Disability that is being treated outside the territorial limits of the United States.
Can you enroll in AFLAC at any time?
Q: Can I enroll in the AFLAC plan anytime? A:
No, you can only enroll during your initial eligibility period, and then during any announced open enrollment period
.
What will AFLAC pay for?
There are many additional costs on top of treating the injury that may not be covered under your primary medical coverage. Aflac can help pay for
ambulance trips, physical therapy, CT Scans, MRIs, confinement, blood transfusions, and medical appliances
.
How do you qualify for AFLAC?
You must be 18 or older to apply for Aflac insurance
. Availability varies by product; see your local Aflac agent for details. The out-of-pocket expenses displayed are estimated at 40% of the total medical cost, assuming that average major medical plans cover approximately 60% of the expense.
Does Aflac pay for missed work days?
If your covered On-the-Job Injury causes you to be unable to perform the duties of any occupation for which you are or become qualified by reason of education, training, or experience within 90 days of such covered On-the-Job Injury, as certified by a Physician,
we will pay you the Daily Disability Benefit for each day
…
How long does Aflac pay for disability?
Short-term disability insurance typically covers employees experiencing a temporary covered illness or injury that keeps them out of work for a period of around
three to six months
, though the length depends on the specific policy.
Does Aflac pay if you lose your job?
Aflac provides benefits for both total and partial disability. Even if you're able to work,
partial disability benefits may be available to help compensate for lost income
. Aflac does not coordinate benefits. Regardless of any other disability insurance you may have, including Social Security, we will pay you directly.
Does Aflac pay for stress?
$150
Aflac will pay $150 per calendar year when a covered person requires one of the following exams and a charge is incurred
: CT scan, MRI (magnetic resonance imaging), EEG (electroencephalogram), thallium stress test, myelogram, angiogram, or arteriogram.
Does Aflac cover arthritis?
What most of us don't realize is that in addition to accidental injuries, conditions such as arthritis, heart disease, diabetes, and even pregnancy are some of the leading causes of disability that can keep you out of work and affect your income. That's where
Aflac group disability insurance can help
.
How much does Aflac pay for xray?
X-RAY BENEFIT: Aflac will pay
$25
when a Covered Person requires an X-ray while receiving emergency treatment in a Hospital or a Hospital emergency room for Injuries sustained in a covered accident. This benefit is not payable for X-rays received in a Physician's office.
How much will Aflac pay me for a colonoscopy?
Aflac will pay
$75 per calendar year
when a charge is incurred for one of the following: breast ultrasound, biopsy, flexible sigmoidoscopy, hemocult stool specimen, chest X-ray, CEA (blood test for colon cancer), CA 125 (blood test for ovarian cancer), PSA (blood test for prostate cancer), thermography, colonoscopy, or …
Does Aflac pay for anesthesia?
SURGERY/ANESTHESIA BENEFIT: Aflac will pay according to the benefits in the Schedule of Operations in the policy when a Covered Person has a surgical procedure performed for the direct treatment of a covered Internal Cancer or Associated Cancerous Condition and a charge is incurred for such surgical procedure.
