Most people take their health for granted. For example, throughout my 20’s I was fearless, carefree and never once thought about my health. I even went a few years without health insurance because I assumed that because I was young, I couldn’t get sick!
Now that I’m in my early 30’s and after a medical scare, I no longer take my health for granted. I’m much more conscious of my health, taking preventative measures like check-ups (even when I’m feeling healthy) and listening to everything my doctor tells me.
Another area that I’ve become more familiar about is health insurance and supplemental insurance. In my 20’s and new to the work force, I never thought much about what kind of health insurance plan I needed. I usually picked the cheapest option that my work provided because I assumed I wouldn’t really use it.
Now that I am in my early 30’s and have been in the work force for a while, I pay much more attention to insurance policies. When I was at my full time job, I was very tedious when it came to reviewing the three different policies that were available to me. When I made the transition to become self-employed, I had to do even more research to make sure I had the best plan possible with my budget.
Let’s say you get sick and end up at the ER. While at the ER, you end up having to be admitted to the hospital overnight. While at the hospital, you are required to pay a deductible or can ask to be billed. Perhaps you even missed time away from work.
When you receive your bill in the mail, your health insurance will have most likely paid a portion of the bill directly to the hospital. Depending on your deductible, chances are you will most likely still owe something. This could be a small amount or a large amount; it just depends on your provider and your policy.
Upon reviewing the bill, maybe you realize you can’t pay the deductible. Maybe you are struggling to pay your other bills too because you had to miss work while you are sick. With Aflac’s supplemental insurance, Aflac actually pays you cash directly instead of paying the hospital.
You can then use the benefit check from Aflac on whatever is required of your situation. This might mean you choose to spend the money on getting caught up with bills, paying off your medical debt, etc. The great thing about Aflac’s supplemental insurance is Aflac wants you to be able to continue living life uninterrupted and not be burdened by medical debt.
My real life example
Many of you know that last year I became sick unexpectedly and had some health issues. I ended up in ICU for a week and out of work for several weeks. At the time, I was still working at my day job and had health insurance.
While my work was gracious enough to pay my regular salary for the several weeks I missed work, even with insurance, my medical bills were really expensive and is something I am still paying off today.
With Aflac supplemental insurance, Aflac would have been able to help me pay my medical bills if I had their hospital indemnity insurance. This would have come in super handy when I was ill!
In addition to paying my regular monthly bills, adding medical debt is an unexpected expense that is very stressful. I am fortunate that my full time job continued to pay my salary. If they had not paid my salary, how would I have paid all of my regular bills?
With the help of Aflac’s supplemental insurance, I would not have even had to worry about something like this happening!
While no one ever thinks he or she will get sick, including myself, it is easy to take your health for granted! To learn more, you can do two things. First, ask your human resources manager which Aflac supplemental insurance policies are available to you. Or you can visit Aflac’s website to learn about all the different types of supplemental insurance available.
I was selected for this opportunity as a member of Clever Girls and the content and opinions expressed here are all my own.
Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York.
Coverage may not be available in all states. The policy has limitations and exclusions that may affect benefits payable. Refer to the policy for complete details, limitations, and exclusions
With Aflac's supplemental insurance, Aflac actually pays you cash directly instead of paying the hospital. You can then use the benefit check from Aflac on whatever is required of your situation. This might mean you choose to spend the money on getting caught up with bills, paying off your medical debt, etc.
They can offer financial support when you experience unexpected medical situations. In many cases, the cash benefits can be used in any way you like (i.e. pay medical costs, household expenses, or even pet sitting and child care).
Supplemental insurance can complement a variety of health insurance plans by providing specific coverage for accident, cancer, critical illness, hospital, short-term disability, dental, and vision. We can help provide support in one or multiple of these areas.
It's not uncommon for certain coverages to max out, leaving employees to pay for healthcare, household bills and daily expenses—all while trying to recover from a major health event. Supplemental insurance fills the gaps left by major medical coverage and allows employees to keep their hard-earned savings.
You don't have to enroll in your employer's plan. But in general, coverage offered by employers is less expensive than coverage purchased through the health care market.
Is Aflac a good company to work for? Aflac has an overall rating of 3.8 out of 5, based on over 4,463 reviews left anonymously by employees. 65% of employees would recommend working at Aflac to a friend and 68% have a positive outlook for the business. This rating has been stable over the past 12 months.
In conclusion, supplemental insurances can be a good addition to your overall financial protection plan, but they may not always be needed. If you already have other policies like life insurance or disability insurance, they might already cover you for many of the things that supplemental insurance would.
Supplemental health insurance typically covers services that your other health plan does not — such as dental or vision costs. Because chances are, your medical insurance plan isn't going to cover everything. Completing your coverage with supplemental plans can save you money and help protect against unexpected costs.
Other supplemental plans may evaluate what you still owe after your major medical insurance has paid, and then provide a benefit amount to you. Regardless, these plans are designed to help you pay for out-of-pocket expenses, which could include your deductible.
Prudential Financial, Inc.(NYSE:PRU) is one of the best alternatives to Aflac with 18 million customers on board. Prudential Financial, Inc. (NYSE:PRU) provides a range of supplemental health benefits.
Aflac offers various supplemental health insurance plans to help provide support in specific coverage areas. A few popular options are dental, critical illness, hospital, accident, cancer, short-term disability, final expense, and vision insurance.
Supplemental benefits may include dental and vision insurance, life insurance, disability insurance, and health and wellness programs. These benefits are often optional, and employees may have to pay some or all of the costs associated with them.
Whether your deductible is in the hundreds or thousands, Aflac offers a variety of supplemental plans that can help you pay down your deductible. Our insurance plans also help assist with other out-of-pocket costs you encounter along your healthcare journey.
The percentage varies by state and by insurer , but it's often about 70 percent. That would mean that about 70 percent of eligible employees must enroll in the plan offered by your company. Who is considered “eligible,” you might ask?
While ZipRecruiter is seeing hourly wages as high as $58.41 and as low as $12.02, the majority of Aflac Insurance Agent wages currently range between $21.39 (25th percentile) to $37.02 (75th percentile) across the United States.
We provide supplemental critical illness, cancer, dental, vision, hospital, short-term disability and accident insurance—so you can choose which category you'd like more support in.
Aflac's Retention score is rated an "A+" by 420 employees. The category helps understand Aflac's focus and commitment to retaining employees in their organization. Over the past three months, Aflac's Retention score has remained steady at 83/100.
With Aflac Always, your benefits are protected through automatic payments even if you change jobs, your employer stops providing payroll deductions for your premium or you retire. You choose how you pay. Select how your premiums are paid (e.g., bank draft) and when. It's ready to go to work for you, 24/7.
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hospital overnight. While at the hospital, you are required to pay a deductible or can ask to be billed. Perhaps you even missed time away from work.
