Voluntary Benefits Plans: Supplemental Medical
2025 Changes
The 2025 rates are slightly lower, are shown below.
There will be expanded wellness benefits for routine preventive health screenings such as mammograms, colonoscopies, annual physicals, etc. Employees can receive a $25 wellness benefit from both Hospital and Accident plans, and a $75 wellness benefit from the Critical Illness plan, for all insured individuals.
Pinellas County offers three voluntary supplemental medical benefits from Aflac:
The benefits are 100% employee-paid. If you experience a covered issue under one or more of these plans, you file a claim and receive a lump sum payout to use however you wish.
These optional benefits are separate from your medical plan benefits. Any employee may enroll, including those who opt out or decline the County’s medical plan. Major medical insurance pays for doctors and hospitals, while voluntary benefits can provide cash benefits to help with daily expenses when you’re sick or hurt.
There is a low and high plan option for each benefit, as well as individual and family coverage tiers. Children are covered until they turn 26.
Resources
- Aflac Website for Pinellas County Employees
- Aflac Voluntary Benefits Information Session (1-hour video)
- Other Voluntary Benefits Options
- Benefits Enrollment
Accident Plan
View a summary below. For more information, view the Aflac Accident Plan.
- Accident Plan benefits are payable when an accident occurs on or off the job.
- The plan includes treatment for inpatient and outpatient services along with a hospital benefit if the admittance is because of an injury or accident.
- The plan covers a wide range of events—broken teeth or bones, burns, concussions, dislocations, lacerations, eye injuries and more.
- There are two Accident Plan options with the same benefits but different payout amounts (low and high).
Contact Aflac
- Website: aflac.com/aps/pinellas-county-government
- Phone: (800) 433-3036, 8 a.m. to 8 p.m. (Identify yourself as a Pinellas County employee.)
Use the Aflac website to:
- View detailed plan information.
- File a claim.
Example
Sue selects the Accident Plan with employee-only, high-payout coverage for $3.36 per paycheck (or $3.00 per paycheck in 2025). She injures her leg in an accident, goes to the hospital by ambulance and is treated by the emergency room doctor for a leg fracture. The Aflac plan pays Sue $3,310, which includes ambulance, emergency room, X-ray, fracture diagnosis, crutches and three follow-up doctor visits.
Accident Plan Coverage*
Benefit | Low Payout Amount | High Payout Amount |
Hospital admission | $1,000 | $2,000 |
Hospital confinement | $150 | $250 |
Ambulance - ground | $300 | $400 |
Ambulance - air | $1,000 | $1,500 |
Emergency room | $150 | $200 |
CT, MRI, X-rays | $150 | $250 |
Coma | $10,000 | $20,000 |
*See a full list of benefits.
Accident Plan Biweekly Premiums
Coverage Level | 2024 Low Payout Rate | 2025 Low Payout Rate | 2024 High Payout Rate | 2025 High Payout Rate |
Employee | $1.83 | $1.62 | $3.36 | $3.00 |
Employee + Spouse | $3.13 | $2.78 | $5.62 | $5.01 |
Employee + Children | $3.81 | $3.39 | $6.54 | $5.83 |
Family | $5.11 | $4.55 | $8.79 | $7.84 |
Hospital Plan
View a summary below. For more information, view the Aflac Hospital Plan.
- Hospital Plan benefits are payable when you are hospitalized because of an accident, sickness or maternity.
- Benefits cover hospital and intensive care unit stays related to physical problems, mental/nervous conditions or substance use issues.
- There are two options with the same benefits but different payout amounts (low and high).
Example
John selects the Hospital Plan with employee-only, high-payout coverage for $7.06 per paycheck (or $6.25 per paycheck in 2025). He goes to the emergency room with a high fever and is admitted to the hospital. He’s released from the hospital after two days. The Aflac plan pays John $1,400, which includes $1,000 for hospital admission and $400 for the two-day stay.
Hospital Plan Coverage*
Benefit | Low Payout Amount | High Payout Amount |
Hospital admission | $500 | $1,000 |
Hospital confinement | $100 | $200 |
Intensive care unit | $400 | $800 |
*Mental/nervous and substance use issues are included
Hospital Plan Biweekly Premiums
Coverage Level | 2024 Low Payout Rate | 2025 Low Payout Rate | 2024 High Payout Rate | 2025 High Payout Rate |
Employee | $3.97 | $3.51 | $7.06 | $6.25 |
Employee + Spouse | $8.00 | $7.07 | $14.15 | $12.50 |
Employee + Children | $6.46 | $5.73 | $11.28 | $9.98 |
Family | $10.50 | $9.29 | $18.37 | $16.23 |
Critical Illness Plan
View a summary below. For more information, view the Aflac Critical Illness Plan.
- Critical Illness Plan benefits are payable for covered conditions such as heart attack, stroke, cancer, coronary bypass and kidney failure.
- COVID-19 is covered if the individual is hospitalized for four or more days.
- This is a lump sum benefit paid directly to the insured for a covered illness. It is paid based on a schedule of conditions and percent of benefit paid.
- There are no preexisting condition exclusions. If you have a condition at the time of your enrollment, then you would still be covered for expenses that occur after your enrollment date.
- This benefit can be used to cover out-of-pocket or unexpected expenses such as copays, lost wages, transportation, childcare or groceries.
- You can select a $10,000 or $20,000 benefit. The employee or spouse/domestic partner would receive the full amount while a child receives 50 percent (i.e., $5,000 or $10,000).
- There are age bands and smoker rates because insurance companies price plans according to risk. As we get older, the risk of certain illnesses increases. In addition, certain conditions are more prevalent in smokers.
Example
Martin selects the Critical Illness Plan. He is 35 years old and does not smoke, so his rate is $2.76 per paycheck for $10,000 employee-only benefit coverage (or $2.49 per paycheck in 2025). He goes to the emergency room with chest pains and is diagnosed with a heart attack. The Aflac plan pays Martin $10,000.
Critical Illness Plan: Commonly Covered Conditions*
Condition | Percentage of Benefit Payout |
Invasive Cancer | 100% |
Heart Attack | 100% |
Coronary Artery Bypass | 100% |
Stroke | 100% |
Kidney Failure | 100% |
Coma | 100% |
Benign Brain Tumor | 100% |
Major Organ Failure | 100% |
Bone Marrow Transplant | 100% |
Paralysis | 100% |
Blindness | 100% |
Deafness | 100% |
Loss of Limbs | 100% |
Advanced Alzheimer’s Disease | 50% |
Multiple Sclerosis | 50% |
Cystic Fibrosis | 50% |
*See a complete list of conditions.
Critical Illness Plan: Nonsmoker Biweekly Premiums for $10,000 Benefit
Age Bands | 2024 Employee or Employee + Child | 2025 Employee or Employee + Child | 2024 Employee + Spouse/ Domestic Partner or Family | 2025 Employee + Spouse/ Domestic Partner or Family |
<25 | $2.10 | $1.89 | $3.98 | $3.58 |
25-29 | $2.59 | $2.33 | $4.96 | $4.46 |
30-34 | $2.23 | $2.01 | $4.44 | $4.00 |
35-39 | $2.76 | $2.49 | $5.51 | $4.96 |
40-44 | $3.39 | $3.05 | $6.76 | $6.08 |
45-49 | $3.61 | $3.25 | $7.20 | $6.48 |
50-54 | $6.12 | $5.50 | $12.21 | $10.98 |
55-59 | $5.74 | $5.16 | $11.45 | $10.30 |
60-64 | $10.42 | $9.38 | $20.76 | $18.69 |
65+ | $29.61 | $26.64 | $58.89 | $52.99 |
Critical Illness Plan: Smoker Biweekly Premiums for $10,000 Benefit
Age Bands | 2024 Employee or Employee + Child | 2025 Employee or Employee + Child | 2024 Employee + Spouse/Domestic Partner or Family | 2025 Employee + Spouse/Domestic Partner or Family |
<25 | $2.58 | $2.32 | $4.93 | $4.44 |
25-29 | $3.16 | $2.84 | $6.09 | $5.48 |
30-34 | $2.95 | $2.66 | $5.88 | $5.30 |
35-39 | $3.87 | $3.48 | $7.72 | $6.94 |
40-44 | $4.79 | $4.31 | $9.56 | $8.60 |
45-49 | $5.14 | $4.62 | $10.25 | $9.22 |
50-54 | $8.94 | $8.04 | $17.85 | $16.06 |
55-59 | $8.64 | $7.78 | $17.26 | $15.54 |
60-64 | $15.45 | $13.91 | $30.82 | $27.75 |
65+ | $42.77 | $38.49 | $85.21 | $76.69 |
Critical Illness Plan: Nonsmoker Biweekly Premiums for $20,000 Benefit
Age Bands | 2024 Employee or Employee + Child | 2025 Employee or Employee + Child | 2024 Employee + Spouse/Domestic Partner or Family | 2025 Employee + Spouse/Domestic Partner or Family |
<25 | $3.31 | $2.97 | $6.39 | $5.74 |
25-29 | $4.28 | $3.85 | $8.34 | $7.50 |
30-34 | $3.76 | $3.38 | $7.50 | $6.74 |
35-39 | $4.82 | $4.34 | $9.62 | $8.66 |
40-44 | $6.08 | $5.47 | $12.14 | $10.92 |
45-49 | $6.51 | $5.86 | $13.00 | $11.70 |
50-54 | $11.53 | $10.38 | $23.04 | $20.74 |
55-59 | $10.77 | $9.69 | $21.52 | $19.36 |
60-64 | $20.09 | $18.08 | $40.10 | $36.09 |
65+ | $58.21 | $52.39 | $116.10 | $104.49 |
Critical Illness Plan: Smoker Biweekly Premiums for $20,000 Benefit
Age Bands | 2024 Employee or Employee + Child | 2025 Employee or Employee + Child | 2024 Employee + Spouse/Domestic Partner or Family | 2025 Employee + Spouse/Domestic Partner or Family |
<25 | $4.26 | $3.83 | $8.29 | $7.46 |
25-29 | $5.41 | $4.87 | $10.60 | $9.54 |
30-34 | $5.21 | $4.68 | $10.39 | $9.34 |
35-39 | $7.04 | $6.33 | $14.05 | $12.64 |
40-44 | $8.88 | $7.99 | $17.74 | $15.96 |
45-49 | $9.58 | $8.62 | $19.13 | $17.22 |
50-54 | $17.17 | $15.45 | $34.32 | $30.88 |
55-59 | $16.58 | $14.92 | $33.14 | $29.82 |
60-64 | $30.14 | $27.13 | $60.21 | $54.19 |
65+ | $84.54 | $76.08 | $168.75 | $151.87 |
View our other Voluntary Benefits Plans.
10/21/24