FAQs

Q: What does Supplemental Insurance cover?
A: Supplemental Insurance covers the things your health insurance doesn’t cover, such as deductibles, daily living expenses, and home health care. Depending on the plan you choose, it may also help cover wellness care such as a routine physical or mammogram.

Your Aflac policy very clearly spells out exactly what is covered under your policy and what amount will be paid for specific treatments and expenses.  If you have questions, refer to your policy for clarification.  If you still have questions, contact Policy Holder Services at 1-800-462-3522.  They will be able to look up your policy and explain what you will be paid.  You can also request a duplicate policy to be mailed to you, at no charge, if you cannot locate the policy that was sent to you at the time of issue. 

Q: Who does Supplemental
Insurance pay?
A: Unlike your major medical, Supplemental Insurance pays benefits to you (unless otherwise assigned) so you can decide what to do with the money. It can make up the difference when you have loss of income for medical reasons, or make it possible for you to go to a health provider outside of your health insurance network.

Q: How hard is it to file a claim?
A: It is easy! There are multiple ways to file a claim: 
o   The fastest way to file most claims is to use the One Day Pay (on-line) claim service.  See our claims page to assist you with obtaining the App.  In most cases you will be paid by direct deposit on your claim within 1 business day after setting up your account and filing your claim.  (The only claims you cannot file using this method are: Short Term Disability, Dental, and Life.)
o   The second way is to pull off the claim form and claim checklist for the type of claim you are needing to make from our website.  Print, complete the required information, date and sign the form; then gather the necessary documentation and fax it, with the claim form, directly in to the Aflac home office for processing. 
o   A third way is to contact our office. You can stop by and pick up the claim form and claim checklist you need, OR we can e-mail, fax, or regular mail the form/checklist you need to you – whatever works best for you.  And, if you need assistance completing the form there will be a person here who can help you. ​

Q: What happens if I
change jobs?
A: Your Supplemental Insurance coverage is portable. It belongs to you, not to your employer. You take it with you wherever you go.

Q: What happens if I change my major medical plan?
A: Supplemental Insurance benefits are predetermined, and they don’t depend on your health insurance. They aren’t affected by your other insurance.

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