Question: What Does Aflac Hospital Policy Cover?

What will Aflac pay for?

Accident Emergency Treatment Benefit Aflac will pay $120 for the insured and the spouse, and $70 for children if a covered person receives treatment for injuries sustained in a covered accident. If the covered person is admitted directly to an intensive care unit, Aflac will pay $2,000.

Does Aflac cover surgery?

Surgical Benefit Aflac will pay $100–$2,000 when a covered person has surgery performed for a covered sickness in a hospital or ambulatory surgical center based upon the Schedule of Operations in the policy. Benefits are not payable for cosmetic or elective surgery that is not due to sickness.

What does my Aflac cancer policy cover?

The plan pays a cash benefit upon initial diagnosis of a covered cancer, with a variety of other benefits payable throughout cancer treatment. The Aflac Cancer Care plan is here to help you and your family better cope financially—and emotionally—if a positive diagnosis of cancer ever occurs.

How much does Aflac pay for labor and delivery?

$50 per day Aflac will pay $50 per day for days 2 through 31 of the period of hospital confinement, when a covered person requires hospital confinement for a covered sickness or injury and a room charge is incurred. * The maximum benefit period for any one period of hospital confinement is 31 days. No lifetime maximum.

Does Aflac pay for doctor visits?

E. PHYSICIAN VISIT BENEFIT: Aflac will pay $25 when a Covered Person incurs a charge for a Physician visit. Covered Physician visits include but are not limited to eye exams, well-baby visits, immunizations, periodic health exams and routine physicals.

How long do you have to file a claim with Aflac?

How long do I have to file a claim? A. There is a one-year timely filing provision in your certificate. Please review the provision and call us with any questions.

How much does Aflac pay for overnight hospital stay?

$1,000 Aflac will pay a Hospital Confinement Benefit of $1,000 when a covered person requires hospital confinement for 23 or more hours for a covered sickness or accidental injury and a charge is incurred. This benefit is payable once per period of hospital confinement, per covered person.

How much does Aflac payout for short term disability?

Monthly Benefit: $400–$6,000 (subject to income requirements) • Total Disability Benefit Periods: 6, 12, 18, or 24 months • Partial Disability Benefit Period: 3 months • Elimination Periods (Injury/Sickness): 0/7, 0/14, 7/7, 7/14, 14/14, 0/30, 30/30, 60/60, 90/90, 180/180 • Optional rider available for on-the-job

How much is Aflac monthly?

of $500 a month for up to 6 months, while out of work.

How much does Aflac pay for 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 critical illnesses does Aflac cover?

Critical Illnesses are: Heart Attack due to coronary artery disease or acute coronary syndrome; ischemic Stroke due to advanced arteriosclerosis or arteriosclerosis of the arteries of the neck or brain; hemorrhagic Stroke due to uncontrolled high blood pressure, malignant hypertension, brain aneurysm, or arteriovenous

Does Aflac accept pre existing conditions?

Disability caused by a Pre-existing Condition or reinjuries to a Pre-existing Condition will not be covered unless it begins more than 12 months after the Effective Date of coverage. Aflac will not pay benefits for a Disability that is being treated outside the territorial limits of the United States.

What does Aflac pay for having a baby?

Aflac will not pay benefits for a disability that is caused by or occurs as a result of your: 1. Pregnancy or childbirth within the first ten months of the Effective Date of coverage (Complications of Pregnancy will be covered to the same extent as a Sickness); 2.

Does hospital indemnity insurance cover labor and delivery?

Hospital indemnity insurance is another supplemental insurance used to prepare for the cost of labor and delivery. Depending on the policy, coverage ranges from the mother’s admission to the hospital for a normal labor and delivery to an ill infant’s stay in a neonatal intensive care unit.

What does Aflac short term disability cover?

Our Short Term Disability provider is Aflac. The plan provides an age-banded benefit with elimination periods of either 14 or 30 days. Benefits are paid on sickness or injuries that happen off the job. The plan will not pay benefits on top of Worker’s Compensation claims.