As the medical care crisis and medical care debates struggle on, many customers are looking into supplemental insurance policies to cover the gaps in traditional insurance plans. Having health insurance can offer a excellent peace of mind but most conventional plans leave gaps that can just about swallow a family’s budget whole in a health crisis.
What services does AFLAC offer?
Disability Income Protection
Long Term Care
How is AFLAC different?
The supplemental insurance policies from AFLAC cover above and beyond traditional insurance policies and they pay directly to you.
Here’s an illustration. If you get a policy for cancer treatment that offers a $10,000 benefit and you’re diagnosed with cancer, AFLAC will pay you $10,000 directly, no matter your medical bills. This money can be used for medical bills that are not covered of course.
1 costumer we spoke with had taken an AFLAC supplemental cancer indemnity coverage and was later diagnosed with prostate cancer. He says the insurance money helped to cover:
-Above average telephone bills for making appointments, family support and so on
-To repay debt and relieve some stress during this time of missed work
Another customer we spoke to fantasies she’d purchased an AFLAC supplemental coverage earlier. An AFLAC representative visited the school where she had been teaching and although she was impressed with goods, she thought she was too young at 26 to need them. A year after she was diagnosed with cancer and discovered the hard way how quickly medical bills and the incidentals such a gas cash for travel and other supplies needed from bandages to electric blankets mount up. Of course AFLAC offers many products along with cancer indemnity products.
Another way that AFLAC differs is that it is portable. Despite the fact that you may enroll in AFLAC through an employer (or not) you pay your own premiums, or you may have them deducted from your paycheck and your insurance can go with you if you lose your job, change jobs or move. In today’s mobile world and in such a volatile employment climate, the portability of AFLAC insurance is a big plus.
AFLAC is well-liked for these good points, as well as others such as simple claim forms that are available online and the fact that AFLAC plans also cover some preventative services that lots of traditional plans do not cover, but what about cost? AFLAC is generally considered to have higher premiums than rivals but many feel that the simplicity, such as insurance with no exam, makes the cost worthwhile for an AFLAC supplemental policy.
Some folks point out the frustration that you can’t buy an AFLAC supplemental insurance plan online which is common with many insurers but this may really be a plus because meeting with a representative can assure that you know all of the details on the insurance products that you are purchasing.
Most clients report positive experiences with sales representatives and customer service reps although company administrators that oversee insurance benefits have said that customer service may be inconsistent which seems to be on par in the insurance market.
Good points about AFLAC:
-Offers many products
-Claim forms are simple and accessible online
-Pays for a few preventative maintenance
-Can not be purchased online, must meet with a representative (which may be a positive)
Overall, AFLAC has proven to be a trustworthy supplemental insurance provider that offers several unique products and has many good points. Potential customers will have to be the final judge on whether the premium prices for the services make AFLAC supplemental insurance a fantastic value for them.