Wellness Benefit After the policy has been in force for 12 months, Aflac will pay $60 if you or any one family member undergoes routine examinations or other preventive testing during the following policy year.
What is considered a wellness visit for Aflac?
Your Aflac wellness claim pays you money for staying on top of your health by getting yearly checkups and medical screenings such as physicals, dental exams and eye tests. Most Aflac accident, hospital indemnity and cancer insurance policies have a wellness benefit to pay you for staying on top of your health.
What does Aflac consider a pre-existing condition?
PRE-EXISTING CONDITION LIMITATIONS: A “Pre-existing Condition” is an illness, disease, infection, disorder, or injury for which, within the 12-month period before the Effective Date of coverage, medical advice, consultation, or treatment was recommended by or received from a legally qualified Physician, or for which …
What procedures does Aflac pay for?
ACCIDENT SPECIFIC-SUM INJURIES BENEFITS: When a Covered Person receives treatment for Injuries sustained in a covered accident, Aflac will pay specified benefits ranging from $20–$7,500 for dislocations, burns, skin grafts, eye injuries, lacerations, fractures, concussion, emergency dental work, coma, paralysis, and …
Can I use Aflac instead of health insurance?
Aflac policies are considered HIPAA excepted benefits because they are not major medical health insurance. This means they’re offered separately from major medical coverage and are not an integral part of an individual’s health plan.
How far back will Aflac pay?
We will pay the amount shown when, because of a covered accident, you are injured and those injuries cause confinement to a hospital for at least 24 hours within 90 days after the accident date.
How long does it take to get your Aflac check?
with a small reimbursement amount), you’ll usually get the payment within 24-48 hours if you’ve set up direct deposit. If you file a claim for a surgery, long term illness, or anything with a substantial payout, EXPECT A WAIT, Along with multiple requests for documents one piece at a time. Its a nightmare.
What does Dave Ramsey say about Aflac?
QUESTION: Michelle on Twitter wants to know what Dave thinks about supplemental insurance like Aflac. ANSWER: Some supplemental insurance is good, but most of it is not. I don’t believe in cancer insurance because your health insurance covers that. I don’t believe in short-term disability insurance.
How much does Aflac pay for CT scan?
MEDICAL DIAGNOSTIC AND IMAGING EXAMS BENEFIT: Aflac will pay $150 when a Covered Person requires, and incurs a charge for, one of the following exams: computerized tomography (CT or CAT scan), magnetic resonance imaging (MRI), electroencephalogram (EEG), Sleep Study, thallium stress test, myelogram, angiogram, or …
Does Aflac cover copays?
After you reach your out-of-pocket maximum, your insurance will cover 100 percent of all expenses, including copays or coinsurance.
Does Aflac cover colonoscopy?
Some Aflac insurance plans—including critical illness, accident and hospital coverage—may include wellness benefits, paying your employees for out-of-pocket expenses that could include health screening tests performed as a part of preventive care, such as diagnostic procedures like colonoscopies.
How much does Aflac pay for a Pap smear?
MAMMOGRAPHY AND PAP SMEAR BENEFIT: Aflac will pay $100 per calendar year when a charge is incurred for an annual screening by low-dose mammography for the presence of occult breast cancer, and Aflac will pay $30 per calendar year when a charge is incurred for a ThinPrep or an annual Pap smear.
What injuries does Aflac cover?
Benefits payable for fractures, dislocations, lacerations, concussions, burns, emergency dental work, eye injuries, and surgical procedures. Benefits payable for initial treatment, X-rays, major diagnostic exams, and follow-up treatments. Benefits payable for physical, speech, and occupational therapy.
Does Aflac deny pre-existing conditions?
We will not reduce or deny a claim for benefits for any Disability due to a pre-existing condition that was diagnosed more than 12 months after the Effective Date.
What pre-existing conditions are not covered?
Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either.
Can you get Aflac after DiaGnoSiS?
meDiCaL imaGinG WitH DiaGnoSiS Benefit: Aflac will pay $135 when a charge is incurred for a Covered Person who receives an initial diagnosis or follow-up evaluation of Internal Cancer or an Associated Cancerous Condition, using one of the following medical imaging exams: CT scans, MRIs, bone scans, thyroid scans, …
How much does Aflac pay for a broken bone?
If a doctor diagnoses the fracture as a chip fracture, we will pay 25% of the amount shown for the affected bone. The maximum amount payable for the Fracture Benefit per covered accident is 150% the benefit amount for the fractured bone that has the higher dollar amount.
What does Aflac pay for an MRI?
MAJOR DIAGNOSTIC AND IMAGING EXAMS BENEFIT: Aflac will pay $200 when a Covered Person requires one of the following exams for Injuries sustained in a covered accident and a charge is incurred: computerized tomography (CT scan), computerized axial tomography (CAT), magnetic resonance imaging (MRI), or …
How much does Aflac pay for anesthesia?
The highest eligible benefit will be paid. Aflac will pay an indemnity benefit equal to 25% of the amount shown in the Schedule of Operations for the administration of anesthesia during a covered surgical operation. The maximum daily benefit will not exceed $2,125.
How good is Aflac health insurance?
Aflac has an A+ rating from A.M. Best, a credit rating agency for the insurance industry. Aflac also sells some of its supplemental insurance products directly to individuals.
Can I keep Aflac if I leave my job?
Q: If I quit, can I keep my AFLAC plan? A: Yes, your benefit is portable – and can follow you to your new employer. Your premium will become directly billed by AFLAC.
Does Aflac cover prescription drugs?
The No Cost Prescription Program helps you save on the price of brand name and generic prescription medications. The No Cost Prescription Program is included with the purchase of any pass.
What documents does Aflac need to submit a claim?
Accidental death – Certified death certificate & beneficiary statement claim form. Police report – Required for MVA and any other occurrence investigated by the police. Physician’s office notes. Emergency room – ER or urgent care report.
Does Aflac cover broken tooth?
Injuries and Emergency Services Covered Aflac also helps cover fractures, broken teeth, eye injuries, and pain management, like epidurals. There are many additional costs on top of treating the injury that may not be covered under your primary medical coverage.
Does Aflac accident pay for surgery?
What does the Aflac Accident Advantage policy include? A wellness benefit payable for routine medical exams to encourage early detection and prevention. Benefits payable for fractures, dislocations, lacerations, concussions, burns, emergency dental work, eye injuries, and surgical procedures.