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Health insurance policies can have exclusions for pre-existing conditions, cosmetic surgeries, and many other medical treatments.1 This is one reason why supplemental insurance can be worth it for some people. Standard health insurance may not provide fully comprehensive coverage, but supplemental policies can pay cash benefits to help reduce your out-of-pocket costs for uncovered costs related to a range of covered incidents. Aflac offers several types of supplemental insurance to provide additional financial protection to help reduce your out-of-pocket medical costs.
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A supplemental insurance policy pays cash benefits for certain covered events. These policies can help with gaps in primary insurance and provide additional benefits to pay for out-of-pocket expenses.
While there are many different types of supplemental insurance, each policy works in a similar basic way: You pay a monthly premium in exchange for coverage under the policy. After a covered incident, you submit a claim and, if approved, you’ll receive cash benefits in accordance with your policy’s value. You can use these benefits to cover costs like deductibles, co-payments, and out-of-pocket expenses that your primary insurance policy may not cover.
Aflac offers several types of supplemental insurance:
With accident insurance, you may receive benefits after an accident to provide financial support for costs that aren’t covered by your primary health insurance.
A cancer insurance policy can help support your recovery and financial planning by paying cash benefits after a cancer diagnosis.
Dental insurance helps pay for preventative care, basic services, and major dental procedures to reduce your out-of-pocket costs for oral care. Aflac offers primary, supplemental, and Dental, Vision and Hearing (DVH) Insurance plans.
With vision insurance, you can reduce your out-of-pocket costs for eye exams, prescription eyewear, and medically necessary eye surgeries or treatments.
If you're diagnosed with a critical illness like a life changing event, critical illness insurance may pay benefits to help you cover expenses not covered by your primary health insurance.
If you're hurt or sick and unable to work for an extended period, short-term disability insurance can help replace part of your income. Aflac offers short-term disability insurance through worksite payroll deductions so you pay premiums out of your paycheck automatically.
Hospital bills can be significant. With hospital insurance, you may receive cash benefits during a hospital stay to help cover hospital bills, prescriptions and other costs associated with a hospital stay.
Life insurance may pay a death benefit to designated beneficiaries if the policyholder were to pass away while the policy is active. This can help provide valuable financial support to loved ones after you’re gone. Aflac offers term life, whole life, and final expense life insurance.
Don't wait until it's too late. Help cover yourself and your family with coverage from Aflac.
Get StartedSupplemental insurance offers several benefits, including:
Despite the benefits, there are also some drawbacks to supplemental insurance:
Anybody may benefit from certain supplemental insurance policies, regardless of whether they have health insurance. However, supplemental policies can be especially worth it for:
The cost of supplemental insurance varies, depending on the type of policy. Policies will range in cost depending on a range of factors including:4
Depending on your circumstances, supplemental insurance may be worth it. There are many different types of policies that may be of particular value to you if you have a greater risk of injury or illness, are concerned about your finances, or have coverage gaps in your primary insurance policies.
Aflac offers a range of supplemental insurance policies that can help give you peace of mind. Contact an Aflac agent today to discuss supplemental insurance coverage and get a quote.
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Short-term disability insurance can help protect your income if you’re unable to work. Learn how short-term disability works and what it covers.
Let’s explore how these life insurance policies work and the different types of living benefits that may be available to you.
Short-term disability insurance can help protect your income if you’re unable to work. Learn how short-term disability works and what it covers.
Let’s explore how these life insurance policies work and the different types of living benefits that may be available to you.
1 Healthinsurance.org – exclusion. Accessed June 27, 2025. https://www.healthinsurance.org/glossary/exclusion/.
2 SmartAsset – What Is an Elimination Period? Updated February 28, 2025. Accessed June 27, 2025. https://smartasset.com/retirement/long-term-care-elimination-period.
3 Council for Disability Income Awareness – Disability Statistics. Accessed June 27, 2025. https://thecdia.org/disability-statistics/.
4 HowMuchIsIt.org – How Much Does Aflac Cost? Accessed June 27, 2025. https://www.howmuchisit.org/how-much-does-aflac-cost/.
Cancer insurance is also known as Specified-Disease Insurance in some states.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
With the exception of the Dental and Vision insurance plans, the plans advertised herein offer supplemental insurance coverage and are not major medical insurance plans.
The Aflac insurance plans summarized on this page provide brief product overviews only. Coverage may not be available in all states including but not limited to DE, ID, NJ, NM NY & VA. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Plans and riders may contain a waiting period. The plans and riders have limitations and exclusions that may affect benefits payable. Refer to the specific policies and riders for complete details, limitations, and exclusions. For costs and complete details of the coverage, please contact your local Aflac agent/producer.
Individual Aflac Plans
Accident: A36000 Series - In Delaware, Policies A36100DE—A36400DE, & A363OFDE. In Idaho, Policies A36100ID–A36400ID, & A363OFID. In Oklahoma, Policies A36100OK– A36400OK, & A363OFOK. In Virginia, Policies A36100VA – A36400VA, & A363OFVA. A37000 Series - In Delaware, Policies A371AA & A371BA. In Idaho, Policy A37000ID. In Oklahoma, Policy A37000OK. In Virginia, Policies A371AAVA & A371BAVA.
Cancer: B70000 series - In Delaware, Policies B70100DE, B70200DE & B70300DE. In Idaho, Policies B70100ID, B70200ID, B70300ID, B7010EPID, B7020EPID. In Oklahoma, Policies B70100OK, B70200OK, B70300OK, B7010EPOK, B7020EPOK. A75000 Series - In Virginia, policies A75100VA–A75300VA.
Critical Illness: B71000 Series - In Delaware, Policies B71100, B71200, B7130H & B7140H. In Oklahoma, Policies B71100OK, B71200OK, B7130HOK & B7140HOK. A71000 Series - In Delaware, Policies A71100DE & A71200DE. In Oklahoma, Policies A71100OK & A71200OK. In Virginia, Policies A71100VA & A71200VA. A73100 Series – In Delaware, Policies A73100DE & A7310HDE. In Oklahoma, Policies A73100OK & A7310HOK. A74000 Series - In Delaware, Policies A74100DE, A74200DE, A74300DE. In Idaho, Policies A74100ID, A74200ID, A74300ID. In Oklahoma, Policies A74100OK, A74200OK, A74300OK. In Virginia, Policies A74100VA, A74200VA, A74300VA.
Life: B60000 Series: In Arkansas, Idaho, Oklahoma, Virginia, Policies ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400. B61000 Series: In Arkansas, Idaho, Oklahoma & Virginia, Policies ICC18B61JWO & ICC18B61JTO. In Delaware, Policies B61JWO, B61JTO. A68000 series: In Arkansas, Idaho, Oklahoma & Virginia, Policies: ICC1368100, ICC1368200, ICC1368300, ICC1368400. In Delaware, Policies A68100-A68400. Q60000 series: Group Whole Life - In Arkansas & Delaware, Policy Q60100M. In Idaho Policy Q60100MID. In Oklahoma, Policy Q60100MOK. Group Term Life - In Delaware, Policies Q60200M. In Arkansas, Idaho & Oklahoma, Policies ICC18Q60200M, ICC18Q60300C, ICC18Q60400C.
Hospital: In Delaware, Policies B40100DE & B4010HDE. In Idaho, Policies B40100ID & B4010HID. In Oklahoma, Policies B40100OK & B4010HOK. In Virginia, Policies B40100VA & B4010HVA.
Short-Term Disability: In Delaware, Policies A57600DE & A57600LB. In Idaho, Policy A57600IDR. In Oklahoma, Policies A57600OK & A57600LBOK. In Virginia, Policies A57600VA & A57600LBVA.
Supplemental Dental: A81000 Series - In Delaware, Policies A81100–A81400. In Idaho, Policies A81100ID–A81400ID. In Oklahoma, Policies A81100OK–A81400OK. In Virginia, Policies A81100VA–A81200VA. A82000 Series - In Delaware, Policies A82100R–A82400R. In Idaho, Policies A82100RID–A82400RID. In Oklahoma, Policies A82100ROK–A82400ROK. In Virginia, Policies A82100RVA–A82400RVA.
Supplemental Vision: In Delaware, Policy VSN100. In Idaho, Policy VSN100ID. In Oklahoma, Policy VSN100OKR. In Virginia, Policy VSN100VA.
Coverage is underwritten by American Family Life Assurance Company of Columbus and/or American Family Life Assurance Company of New York.
Individual Tier One Plans
Accident: In Delaware, Policy T37000. In Idaho, Policies T37100IDR, T37200IDR, & T37300IDR. In Oklahoma, Policy T37000OK. In Virginia, Policies T37100VA, T37200VA, T37300VA, T37400VA, T37600VA.
Cancer: In Delaware, Policy T70000. In Idaho, Policy T70000ID. In Oklahoma, Policy T70000OK. In Virginia, policies T70000VA & T70000GVA.
Critical Illness: In Delaware, Policy T71000. In Oklahoma, Policy T71000OK. In Virginia, Policy T71100VA.
Dental, Vision, Hearing: In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. Not available NY or VA. Dental claims are administered by Aflac Benefits Solutions, Inc. Vision claims are administered by EyeMed Vision Care, LLC. Hearing claims are administered by Nations Hearing. NOTICE: The coverage offered is not a qualified health plan (QHP) under the Patient Protection and Affordable Care Act (ACA) and is not required to satisfy essential health benefits mandates of the ACA. The coverage provides limited benefits.
Final Expense: In Arkansas, Delaware, Idaho, Oklahoma & Virginia, Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22. Aflac Final Expense insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated and is administered by Aetna Life Insurance Company.
Coverage is underwritten by Tier One Insurance Company.
Group supplemental insurance coverage is underwritten by Continental American Insurance Company (CAIC), a wholly-owned subsidiary of Aflac Incorporated. CAIC underwrites group coverage but is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. In California, group supplemental insurance coverage is underwritten by Continental American Life Insurance Company. In New York, group supplemental insurance coverage is underwritten by Aflac New York. Aflac’s Life, Absence and Disability Services are available in all states, except Puerto Rico, Guam or the Virgin Islands, and are offered by Continental American Insurance Company (CAIC). Self-funded plans and absence services are administered by CAIC in all states but New York. In New York, self-funded plans and absence services are administered by and insurance is offered by American Family Life Assurance Company of New York. Administrative services are not insurance and are not considered legal advice. Products may not be available in all states and may vary depending on state law.
Group plans:
Dental Insurance: Policy Series QN81000. In Idaho, QN81100MID. In Oklahoma, policy form QN81100MOK. In New York, NYQN81100M.
Vision Insurance: Policy Series QNV1000. In Idaho, QNV1100MID. In Oklahoma, policy form QNV1100MOK. In New York, NYQNV1100M.
NOTICE: The coverage offered is not a qualified health plan (QHP) under the Patient Protection and Affordable Care Act (ACA) and is not required to satisfy essential health benefits mandates of the ACA. The coverage provides limited benefits.
Group Life Insurance: In Idaho and Oklahoma policy form number ICC20 CDL1100. In New York, policy form number AF92100NY.
Group Short-Term and Long-Term Disability Insurance: In Idaho and Oklahoma, policy form number ICC20 CDL1100. In New York, policy form number AGDI1100NY. Aflac's family of insurers American Family Life Assurance Company of Columbus and/or American Family Life Assurance Company of New York, and/or Tier One Insurance Company, and/or Continental American Insurance Company, and/or Continental American Life Insurance Company. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (Tier One NAIC 92908).
Aflac WWHQ | Tier One | 1932 Wynnton Road | Columbus, GA 31999
Aflac New York | Albany, NY 12211
Continental American Insurance Company | Columbia, SC
Z2500598
EXP 8/26
