When the unexpected happens, a trip to the hospital may be a possibility. Hospital indemnity insurance can help ease your stress about hospital bills so you can focus more on getting better. Essentially, hospital indemnity insurance can help provide protection or assistance with expensive bills that can add up after a visit to the hospital. Hospital indemnity insurance can also be referred to as hospital insurance. Your primary medical insurance provider may cover a lot of the costs after copays are made and deductibles are met. However, there can still be substantial out-of-pocket expenses. Hospital indemnity insurance plans pay the policyholder directly, unless otherwise assigned, to help with hospital costs. Aflac offers hospital indemnity insurance, with premiums payable through worksite payroll deductions. We recommend chatting with your employer to see if Aflac Hospital Insurance is offered through your employer. If not, Aflac offers other individual plans that can help you bounce back from covered injuries or illnesses.
Don’t wait until it’s too late. Help cover yourself and your family with affordable coverage from Aflac.
Every hospital indemnity insurance plan is different, but Aflac’s hospital insurance pays the policyholder cash benefits, unless otherwise assigned. These benefits can be used to help pay for a variety of treatments and procedures related to hospital stays. Hospital indemnity coverage options vary according to different benefits that are offered, and may also depend on what state you're in. These plans can help you cover the costs of intensive care, hospital confinement, prescription drugs and more.
Even though our hospital indemnity insurance plans are only available through employer payroll deductions, Aflac offers other individual supplemental options that you may want to consider. These plans can still help financially protect you if you’re faced with high hospital bills. The supplemental plans listed below can be applied for individually and premiums can be paid on a direct basis:
To determine if you should get a hospital indemnity insurance plan or not, we will dive into a hypothetical example.
We hope it never comes to this, but let’s say you have a heart attack. You feel a tight pain in your chest and before you know it an ambulance rushes you to the emergency room. There, your doctors run a variety of tests on you, and it is determined that you will need a stent. The surgery goes well but your doctor prescribes you beta-blockers to stay on the safe side.
Your primary medical insurance may cover the majority of the costs for the treatments, but the deductible may still be higher than you anticipated. There can still be a lot of expenses remaining that you are expected to pay for on your own. That’s where Aflac hospital indemnity insurance coverage comes in. Our plans pay cash benefits directly, unless otherwise assigned, to help with unexpected costs.
If that sounds like something you and your family could benefit from, a hospital indemnity insurance plan may be the right choice for you.
If you are an employer, our hospital indemnity insurance can help employees feel safe and better prepared for life’s curve balls. If you are an employee and your company doesn’t currently offer hospital insurance, we recommend starting the conversation with them Providing your employers with more information about hospital insurance, such as the plans offered by Aflac, may also be helpful.
Aflac can also help you clarify which direction is best given your current employment situation and health care coverage.
Explore your hospital insurance options.
Coverage underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York.
Hospital: In Delaware, Policies B40100DE & B4010HDE. In Idaho, Policies B40100ID & B4010HID. In Oklahoma, Policies B40100OK & B4010HOK. In Pennsylvania, Policies B40100PA & B4010HPA. In Virginia, Policies B40100VA & B4010HVA. Cancer/Specified-Disease: In Delaware, Policies B70100DE, B70200DE & B70300DE. Policy A72200. In Idaho, Policies B70100ID, B70200ID, B70300ID, B7010EPID, B7020EPID. Policy A72200ID. In Oklahoma, Policies B70100OK, B70200OK, B70300OK, B7010EPOK, B7020EPOK. Policy A72200OK. In Virginia, policies A75100VA–A75300VA. Accident: In Delaware, Policies A36100DE—A36400DE, & A363OFDE. Policy A371AA & A371BA. In Idaho, Policies A36100ID–A36400ID, & A363OFID. Policy A37000ID. In Oklahoma, Policies A36100OK– A36400OK, & A363OFOK. Policy A37000OK. In Virginia, Policies A36100VA – A36400VA, & A363OFVA. Policies A371AAVA & A371BAVA. Critical Illness: In Delaware, Policies A74100DE, A74200DE, A74300DE. Policies B71100, B71200, B7130H & B7140H. Policies A71100DE & A71200DE. In Idaho, Policies A74100ID, A74200ID, A74300ID. In Oklahoma, Policies A74100OK, A74200OK, A74300OK. Policies A73100OK & A7310HOK. Policies B71100OK & B7110HOK. Policies A71100OK & A71200OK. In Virginia, Policies A74100VA, A74200VA, A74300VA. Policy A73100VA. Policies A71100VA & A71200VA.
Coverage underwritten by Tier One Insurance Company.
Cancer/Specified-Disease: In Delaware, Policy T70000. In Idaho, Policy T70000ID. In Oklahoma, Policy T70000OK. In Virginia, policies T70000VA & T70000GVA. Accident: In Delaware, Policy T37000. In Idaho, Policies T37100ID, T37200ID, & T37300ID. In Oklahoma, Policy T37000OK. Critical Illness: In Delaware, Policy T71000. In Oklahoma, Policy T71000OK. In Virginia, Policy T71100VA. Critical Illness: In Delaware, Policy T71000. In Oklahoma, Policy T71000OK. In Virginia, Policy T71100VA. Cancer/Specified-Disease: In Delaware, Policy T70000. In Idaho, Policy T70000ID. In Oklahoma, Policy T70000OK. In Virginia, policies T70000VA & T70000GVA.
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. Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY or VA. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.
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