How does Aflac Group Cover work?
Aflac group covers the medical expenses of those injured in work-related accidents or who are injured as a result of an accident involving work.
Section 2: What costs are included?
Specific costs and coverage are subject to the terms of the policy.
Section 3: What are the main types of medical expenses covered?
Aflac group covers basic emergency expenses for immediate care at the hospital. It also covers medicines and medical supplies used to manage illnesses.
Section 4: What is covered and what are the limitations?
Aflac group covers the following:
Emergency care: which includes emergency room visits, medical care after being treated in the emergency room, and limited hospitalization costs.
Who is eligible for Aflac Group Cover?
Individuals who meet the requirements must maintain a policy with Aflac Life Insurance Company. Generally, you can’t purchase a new policy if you have a pre-existing medical condition.
You must stay employed and meet the IRS maximum allowable adjusted gross income to qualify.
Aflac Group Cover is underwritten by a partner company, Chubb Limited, which is a member of the PIFRA group of companies.
What Does Aflac Group Cover cover?
Here’s the breakdown:
Critical illness insurance
Total accidental death and dismemberment insurance
Medical expense insurance
Timely disability payment coverage
Individuals who have additional qualifying insurance need to add the Aflac Group Medical Injuries coverage.
What are the deductibles?
Aflac generally provides a one-time payment covering the cost of certain items. Deductibles usually range from $1,000 to $5,000, although this will depend on your plan and insurer.
Out of pocket maximum. Aflac pays most expenses incurred until the out-of-pocket maximum of $6,250 is reached.
What is the “break-even point”?
Most people believe that once expenses reach a certain dollar amount, the insurance company will no longer be able to make money. But this is incorrect. With Aflac, if expenses exceed $6,250, the company loses money. But if the expenses stay within that $6,250 mark, Aflac can still be profitable.
Deductibles and out-of-pocket maximums are often used by people when evaluating insurance.
Who can I contact if I have questions about my benefits or need help with an issue related to my insurance coverage?
Most Aflac customers have all of their questions answered at a local one-on-one with our national claims representatives. If a policyholder calls in to request a second consultation, they are asked to leave a message with the claims representative and Aflac will return their call within 24 hours. That being said, you are under no obligation to make a decision, and your claim can be filed until March 31, 2019, with any claims provided in the year prior.
If you have any other questions about Aflac’s insurance, we recommend that you contact the Aflac customer care center at 1-800-645-7572.