CANCER SCREENING WELLNESS BENEFIT: Aflac will pay $40 (A-75100-FL) or $75 (A-75300-FL) per calendar year when a charge is incurred for one of the following: mammogram, breast ultrasound, Pap smear, ThinPrep, biopsy, flexible sigmoidoscopy, hemocult stool specimen, chest X-ray, CEA (blood test for colon cancer), CA 125 ...
How much is Aflac wellness benefit?
WELLNESS BENEFIT (a preventive benefit; the Accidental-Death, Dismemberment, or Injury of a Covered Person is not required for this benefit to be payable): Aflac will pay $60 if you or any one Covered Person undergoes routine examinations or other preventive testing during the Calendar Year.
How much does Aflac pay out?
- The employee is subject to a federal, state or local isolation order related to COVID-19.
- The employee is advised by a health care provider to self-quarantine due to concerns related to COVID-19.
- The employee has symptoms of COVID-19 and is seeking a medical diagnosis.
- The employee is caring for an individual who is subject to an order under No. ...
What is Aflac accident wellness benefit?
- Q. How do I file a claim? ...
- Q. Are there online options for claims filing? ...
- Q. What if all the provisions of the certificate are not met? ...
- Q. Will my claim be expedited if I send my claim form to you by express mail? ...
- Q. How long do I have to file a claim? ...
- Q. How do I submit my claim form for processing? ...
- Q. What information do I need to file a claim? ...
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What does Aflac Cancer insurance pay?
Aflac Cancer Policy. LABORATORY TEST AND X-RAY BENEFIT: Aflac will pay $35 when a Covered Person requires, and incurs a charge for, a laboratory test or an X-ray. The laboratory test or X- ray must be performed in a Hospital, Medical Diagnostic Imaging Center, Physicians office, an Urgent Care Center, or an Ambulatory Surgical Center.
How much does Aflac pay for a wellness exam?
Wellness Benefit After the policy has been in force for 12 months, Aflac will pay $60 if you or any one family member undergoes routine examinations or other preventive testing during the following policy year. Eligible family members are your spouse and the dependent children of you or your spouse.
Does Aflac cancer policy have a wellness benefit?
The above example is based on a scenario for Aflac Cancer Care – Classic that includes the following benefit conditions: Physician visit (Cancer Wellness Benefit) of $75, bone marrow biopsy (Surgical/Anesthesia Benefit) of $125, NCI Evaluation/Consultation Benefit of $500, Initial Diagnosis Benefit of $4,000, venous ...
What does Aflac cancer pay for?
Aflac will pay $140 for each day a Covered Person receives and incurs a charge for blood and/or plasma transfusions for the treatment of Internal Cancer or an Associated Cancerous Condition as an outpatient in a Physician's office, clinic, Hospital, or Ambulatory Surgical Center.
What does a cancer policy pay for?
What does cancer insurance cover? Cancer insurance can help you handle medical plan deductibles, co-pays and other out-of-pocket costs; non-medical expenses such as transportation to treatment facilities; even everyday living expenses such as groceries, rent and mortgage payments.
How does the Aflac wellness benefit work?
WELLNESS BENEFIT (a preventive benefit; the Accidental- Death, Dismemberment, or Accidental Injury of a Covered Person is not required for this benefit to be payable): Aflac will pay $60 if you or any one Covered Person undergoes routine examinations or other preventive testing during the Calendar Year.
How much does Aflac pay for cancer screening?
First-Occurrence Benefit Aflac will pay $5,000 for the insured, $5,000 for the spouse, or $7,500 for children when a covered person is diagnosed with internal cancer. This benefit is payable only once for each covered person and will be paid in addition to any other benefit in this policy.
Does Aflac pay in one lump sum?
A lump sum benefit is paid directly to you upon diagnosis of having had a critical illness. Your dependent children are covered at no additional cost. We now offer the option of guaranteed-issue* lump sum critical illness coverage. That means no medical questionnaire is required.
Does Aflac short term disability cover cancer?
Common triggers for short-term disability claims include accidental injuries, cancer and pregnancy, which is technically considered a “disability” for purposes of leave and other employee benefits in some states.
How much does Aflac pay for a 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 is the best insurance for cancer patients?
Compare the Best Life Insurance for Cancer PatientsCompanyAM Best RatingCoverage CapacityMutual of Omaha Best OverallA+$2,000-$25,000 (Guaranteed issue)Colonial Penn Best For Low-Risk CancerA-$50,000Globe Life Best No Exam OptionAUp to $100,000AIG Direct Best for Guaranteed IssueAUp to $25,000 (Guaranteed Issue)2 more rows
How long do you have to file a cancer 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.
What medical expenses does cancer insurance not cover?
Non-medical expenses can include home health care, loss of income, child care cost, and dietary restriction aids. Cancer insurance usually does not cover any of the costs related to non-melanoma skin cancer.
What is Aflac Cancer Protection Assurance 2?
Aflac Cancer Protection Assurance 2 helps with medical expenses like chemotherapy and with non-medical expenses like travel and lodging to help keep life as normal as possible for you and your family.
What is optional riders?
The policy has limitations and exclusions that may affect benefits payable. Refer to the policy for complete details, limitations, and exclusions. For costs and complete details of the coverage, please contact your local Aflac agent.
What is Aflac insurance?
Aflac cancer insurance is here to help you and your family better cope financially—and emotionally—if a positive diagnosis of cancer ever occurs. Added comfort and protection means the freedom to focus on more important things. 1.
How many cancer cases will be diagnosed in 2020?
More than 1.8 million new cancer cases are expected to be diagnosed in 2020, in the United States. 1. More than 1.8 million new cancer cases are expected to be diagnosed in 2020, in the United States. 1. More than 1.8 million new cancer cases are expected to be diagnosed in 2020, in the United States. 1.
Is Aflac available in all states?
Plans may not be available in all states, and benefits may vary by state, coverage, and plan level selected. Policies have limitations and exclusions that may affect benefits payable. The Aflac payout values do not guarantee an amount to be paid for the listed conditions.
Does Aflac pay for cancer?
Except as specifically provided in the Benefits section of the policy, Aflac will pay only for treatment of Cancer or Associated Cancerous Conditions, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered);
Is the initial diagnosis benefit payable?
The Initial Diagnosis Benefit is not payable for: (1) Internal Cancer or an Associated Cancerous Condition diagnosed during the policy's 30-day waiting period; (2) the diagnosis of Nonmelanoma Skin Cancer; or (3) claims incurred prior to the Effective Date of the policy.
What does Aflac cover?
What does the 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.
What is a cancer policy?
A cancer policy is designed to fill the financial gaps when benefits stop being paid or expenses are not covered under a basic health insurance policy. A critical illness policy normally pays out a lump-sum for diagnosis of specific illnesses such as heart attack, kidney failure, or organ transplants. Beside above, does Aflac cancer policy have ...
Does Aflac pay for cancer related death?
CANCER-RELATED DEATH BENEFIT: Aflac will pay the amount shown in the Policy Schedule when a Covered Person suffers a Cancer-Related Death. If a Covered Person has a Loss before his or her coverage under this rider has been in force 30 days, benefits will not be payable for that Loss.
How long does Aflac pay for hospice?
For this benefit to be payable, Aflac must be furnished: (1) a written statement from the attending Physician that the Covered Person is Terminally Ill, and (2) a written statement from the Hospice certifying the days services were provided. This benefit is not payable the same day the Home Health Care Benefit is payable. Lifetime maximum of 100 days per Covered Person.
How much does Aflac pay for an ambulance?
AMBULANCE BENEFIT: Aflac will pay $250 when a charge is incurred for ambulance transportation of a Covered Person to or from a Hospital where the Covered Person receives treatment of Cancer or an Associated Cancerous Condition. Aflac will pay $2,000 when a charge is incurred for air ambulance transportation of a Covered Person to or from a Hospital where the Covered Person receives treatment for Cancer or an Associated Cancerous Condition. This benefit is limited to two trips per confinement. The ambulance service must be performed by a licensed professional ambulance company. No lifetime maximum.
How much does Aflac pay for extended care?
EXTENDED-CARE FACILITY BENEFIT: When a Covered Person is confined to an extended-care facility, a skilled nursing facility, a rehabilitation unit or facility, a transitional care unit or any bed designated as a swing bed, or to a section of the Hospital used as such, (collectively referred to as “Extended-Care Facility”), as the direct result of Internal Cancer or an Associated Cancerous Condition, Aflac will pay $75 per day when a charge is incurred for such continued confinement. For each day this benefit is payable, benefits under Benefit D1 are NOT payable. Lifetime maximum of 100 days per Covered Person.
How long does it take for Aflac to waive premiums?
Employed: If you, due to a Specified Health Event, are completely unable to do all of the usual and customary duties of your occupation for a period of 90 continuous days, Aflac will waive, from month to month, any premiums for this rider falling due during your continued inability. For premiums to be waived, Aflac will require an employer's statement and a Physician's statement of your inability to perform said duties, and may each month thereafter require a Physician's statement that total inability continues.
What is associated cancerous?
aSSoCiateD CanCeRouS ConDition: Myelodysplastic blood disorder, myeloproliferative blood disorder, or internal carcinoma in situ (in the natural or normal place, confined to the site of origin without having invaded neighboring tissue). An Associated Cancerous Condition must Premalignant conditions or receive a Positive Medical Diagnosis.
What is a pre-existing condition?
"Pre-Existing Condition" is an illness, disease, disorder, or Injury for which, within the six-month period before the Effective Date of coverage, medical advice or treatment was recommended by or received from a Physician. Benefits for a Specified Health Event that is caused by a Pre-Existing Condition will not be covered unless the Specified Health Event occurs more than 30 days after the Effective Date. Any reoccurrence of a pre-existing Specified Health Event occurring more than 30 days after the Effective Date will be covered.
Does Aflac waive insurance premiums?
For premiums to be waived, Aflac will require an employer’s statement (if applicable) and a Physician’s statement of your inability to perform said duties, and may each month thereafter require a Physician’s statement that total inability continues.
What is cancer disease?
CanCeR: Disease manifested by the presence of a malignant tumor and characterized by the uncontrolled growth and spread of malignant cells, and the invasion of tissue. Cancer also includes but is not limited to leukemia, Hodgkin’s disease, myelodysplastic blood disorder, myeloproliferative blood disorder, or internal carcinoma in situ ( a type of cancer in any area of the body whose cells are localized or confined to the site of origin and have not invaded surrounding tissue or spread to other tissue or organs [metastasized]), and melanoma. Cancer must receive a Positive Medical Diagnosis.
How much does Aflac pay for HospitaLization?
HoSPitaLiZation foR 30 DaYS oR LeSS: When a Covered Person is confined to a Hospital for 30 days or less, for a covered Specified Disease, Aflac will pay $200 per day.
How much does Aflac pay for surgery?
When a surgical operation is performed on a Covered Person for treatment of a diagnosed Internal Cancer, and a surgical room charge is incurred, Aflac will pay $300. For this benefit to be paid, surgeries must be performed on an outpatient basis in a Hospital or an Ambulatory Surgical Center. This benefit is payable once per day and is not payable on the same day the Hospital Confinement Benefit is payable. This benefit is payable in addition to the Surgical/Anesthesia Benefit. The maximum daily benefit will not exceed $300. No lifetime maximum on number of operations.
How long does Aflac pay for cancer?
HoSPitaLiZation foR 30 DaYS oR LeSS: When a Covered Person is confined to a Hospital for treatment of Cancer for 30 days or less, Aflac will pay the amount listed below per day for each day a Covered Person is charged for a room as an inpatient. No lifetime maximum.
How much does Aflac pay for nonhormonal chemo?
nonHoRmonaL oRaL CHemotHeRaPY Benefit : Aflac will pay $400 per Calendar Month during which a Covered Person is prescribed, receives, and incurs a charge for Nonhormonal Oral Chemotherapy for the treatment of Cancer.
Asthma Attack
Diagnosis & Treatment: Asthma Attack Diagnosis & Treatment., Mayo Clinic Staff. Last Updated August 02, 2019. http://www.mayoclinic.org/diseases-conditions/asthma-attack/diagnosis-treatment/treatment/txc-20257835.
Breast Cancer
Diagnosis: Breast Cancer Early Treatment & Diagnosis: Breast Biopsy. American Cancer Society, 2018. Last revised: October 1, 2018. https://www.cancer.org/cancer/breast-cancer/screening-tests-and-early-detection/breast-biopsy.html. Assumes early stage diagnosis.
Colorectal Cancer
Diagnosis: Early Detection, Diagnosis, Staging: Colorectal Cancer Screening Tests, Cancer.org, 2017. Last revised: May 30, 2018. https://www.cancer.org/cancer/colon-rectal-cancer/detection-diagnosis-staging/screening-tests-used.html/. Assumes early stage 2 diagnosis.
Leukemia
Diagnosis: How is Acute Lymphocytic Leukemia Diagnosed?, American Cancer Society, 2018. Last revised: October 17, 2018. https://www.cancer.org/cancer/acute-lymphocytic-leukemia/detection-diagnosis-staging/how-diagnosed.html.
Lung Cancer
Diagnosis & Treatment: Treatment Choices for Non-Small Cell Lung Cancer, by Stage, Cancer.org, 2018. Last revised: December 7, 2018. https://www.cancer.org/cancer/non-small-cell-lung-cancer/treating/by-stage.html. Assumes Stage 2 lung cancer, multiple rounds of chemotherapy and recovery time on a yearly basis.
Pneumonia
Diagnosis & Treatment: Diagnosing and Treating Pneumonia, American Lung Association, 2018. Last revised: April 2, 2018. https://www.lung.org/lung-health-and-diseases/lung-disease-lookup/pneumonia/treatment-and-recovery.html.
Prostate Cancer
Diagnosis: Prostate Cancer Early Detection, Diagnosis and Staging, American Cancer Society, 2019. Last Revised: August 1, 2019. https://www.cancer.org/cancer/prostate-cancer/detection-diagnosis-staging/how-diagnosed.html. Assumes early stage 2 diagnosis.
Does Aflac Pay For Blood Work
LABORATORY TEST AND X-RAY BENEFIT: Aflac will pay $35 when a Covered Person requires, and incurs a charge for, a laboratory test or an X-ray. The laboratory test or X- ray must be performed in a Hospital, Medical Diagnostic Imaging Center, Physicians office, an Urgent Care Center, or an Ambulatory Surgical Center.
Is Accident Insurance Worth The Cost
Is accident insurance worth it? Accident insurance is relatively inexpensive, but it also offers relatively small benefits. You might benefit from an accident insurance policy if your health insurance has high deductibles, because accident insurance offers a one-time payout that can help you afford medical care.
What Is Excluded From Cancer Coverage
As you should with any insurance coverage youâre evaluating, read a potential cancer insurance policy judiciously before you apply for it. Youâll find that some cancer policies donât cover certain cancer types, such as non-melanoma skin cancer, or side effects from cancer treatment, including pneumonia or dehydration.
How Does An Aflac Cancer Insurance Policy Work
You never know what the future could hold, which is why its so important to help protect yourself with Aflac Cancer Protection Assurance. These plans dont just help with medical expenses.
How Much Does Aflac Pay For An Accident Claim
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. This benefit is payable for X-rays, treatment by a physician, or treatment received in a hospital emergency room.
Limited Coverage Of Skin Cancers
Skin cancer is the most commonly diagnosed form of cancer. The primary categories of skin cancer are basal-cell carcinoma , squamous-cell carcinoma , and melanoma. The first two, collectively known as non-melanoma skin cancers , are highly unlikely to metastasize and comprise the majority of skin cancer diagnoses.
Does Aflac Cancer Policy Have A Waiting Period
The rider contains a 30-day waiting period. If a Covered Person has Internal Cancer or an Associated Cancerous Condition diagnosed before coverage has been in force 30 days from the Effective Date, you may, at your option, elect to void the rider from its beginning and receive a full refund of premium.
Do I Need Critical Illness Insurance
Insurance is both a hedge against future risk and a way to invest in your peace of mind, but it is always a gamble.
What Does Aflac Pay You 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.
Aflac Supplemental Cancer Insurance
According to the American Cancer Society, 1 in 2 males and 1 in 3 females will develop invasive cancer during their lifetime. Bear in mind that these are averages for the overall U.S. population.
Is Skin Cancer Covered By Aflac
SKin CanCeR SuRGeRY Benefit: When a surgical operation is performed on a Covered Person for a diagnosed skin Cancer, including melanoma or Nonmelanoma Skin Cancer, Aflac will pay the indemnity listed below when a charge is incurred for the specific procedure. The maximum daily benefit will not exceed $400.
What Does My Aflac Cancer Policy Cover
Cancer insurance policies are a new type of health insurance coverage that acts as a supplemental safety net to help you cover the cost of hospital stays, chemotherapy and other types of cancer treatment.
Best For Customizable Coverage: Physicians Mutual
Why we chose it: Physicians Mutual offers two benefit options and several riders that expand the policy to cover many critical illnesses or enhanced benefits.
Best Budget: Mutual Of Omaha
Why we chose it: Online quote tool lets you estimate policy costs and monthly premiums were some of the lowest we reviewed.