Voluntary Benefits Plans: Supplemental Medical

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*

*See a full list of benefits.

Accident Plan Biweekly Premiums

---

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*

*Mental/nervous and substance use issues are included

Hospital Plan Biweekly Premiums

---

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*

*See a complete list of conditions.

Critical Illness Plan: Nonsmoker Biweekly Premiums for $10,000 Benefit

Critical Illness Plan: Smoker Biweekly Premiums for $10,000 Benefit

Critical Illness Plan: Nonsmoker Biweekly Premiums for $20,000 Benefit

Critical Illness Plan: Smoker Biweekly Premiums for $20,000 Benefit

View our other Voluntary Benefits Plans.

11/12/24