As the health care crisis and medical care debates struggle on, many consumers 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 could just about swallow a family’s budget whole in a health crisis.
What solutions does AFLAC offer?
Disability Income Protection
Long Term Care
How is AFLAC distinct?
The supplemental insurance policies from AFLAC pay above and beyond conventional insurance policies and they pay directly to you. You can request a payment be made directly to a medical provider, but all payments will come to you.
Here’s an illustration. If you get a policy for cancer treatment that offers a $10,000 benefit and you are diagnosed with cancer, AFLAC will pay you $10,000 directly, regardless of your medical bills. This money may 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 pay:
-Medical bill balances
-To repay debt and relieve some stress during this period of missed work
Another customer we talked to fantasies she’d bought 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 later she was diagnosed with cancer and learned the hard way how quickly medical bills, Raccoon Sounds and the incidentals such a gas cash for traveling and other supplies needed from bandages to electric blankets mount up. Obviously 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 can have them deducted from your paycheck and your insurance can go with you if you lose your job, change jobs or move.
AFLAC is well-liked for these good points, as well as others such as easy claim forms that are available online and the fact that AFLAC plans also pay for some preventative services that many traditional plans do not pay for, but what about price? AFLAC is generally considered to have higher premiums than rivals but many believe that the ease, such as insurance without an exam, makes the price worthwhile for an AFLAC supplemental policy.
Some people point out the frustration which you can’t purchase an AFLAC supplemental insurance policy online that’s common with many insurers but this may truly be a plus because meeting with a representative can assure that you know all of the details on the insurance products which you are purchasing.
Most customers report positive experiences with sales agents and customer service reps although company administrators who oversee insurance benefits have privately said that customer service can 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 some preventative care
-Inconsistent costumer service
-Can not be purchased online, must meet with a representative (which may be a favorable)
Overall, AFLAC has proven to be a trustworthy supplemental insurance provider that provides several unique products and has many good points. Potential customers will have to be the final judge on whether or not the premium prices for your services make AFLAC supplemental insurance a good value for them.