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Aflac Individual Medical Insurance

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Questions and Answers

Working for Aflac or United American?

I know both of these companies are very different, and advertise in two totally different markets. Which is the better company to work for any why? Any experience?

Posted by Matt W
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Both companies are commission sales and they both provide training and support for the sales force. 95% wash out of both companies before their first year.

Aflac has legitimate policies, although disability is a very difficult field to sell. Most sales are through groups.

United American has hospital certificates, not major medical, and the plans don't stack up to regular insurance plans. Most sales are to individuals, it's hard to sell this type of policy to anyone who has done their homework and know what they are getting.

Questions about Aflac short term disability policy (regarding pregnancy and maternity leave)?

I have a few questions about Aflac's short term disability policy in regards to maternity leave. I took out a short term disability policy last fall (signed paperwork on Aug 1, but only became effective Sept 1). So I was just wanting to make sure that as long as I have the baby after July 1 that the policy will pay out. Does this sound correct? Also, what steps do I need to take to be reimbursed after I have the baby? Is there anything that I need to do now? Will I have to pay for the policy while I am out on leave or will that be waived since I will be using the policy? When is the earliest that I can cancel the policy and how will I need to go about that? Any help is appreciated!

(My due date is July 13; so I am definately cutting it close as far as the 10 month period, but I had calculated pregnancy length- wasn't counting weeks from last period, but instead from ovulation- and didn't think we'd get pregnant the 1st try so I am praying that our baby will not come too early.) Thanks!!!

Posted by future OD 09
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Maternity delivery must be 10 months beyond the effective date, so in your case July 1 sounds safe.
Complications of pregnancy (hope you don't have any) are covered like a standard illness would be
in your plan, subject to your waiting periods and so on. Note, bed rest without a medical classification
is not considered a complication.
Most people have the Aflac Short Term individual plans so a lot of the information by another post, I doubt seriously comes into play. Group is normally reserved to very large businesses. Possible, not probable since you were aware of the 10 month clause. After delivery the plans pay 5 weeks (6 less a waiting week) and 7 for a c-section. It is also probable that you will need to continue making your premium payments while on leave. Only in the very recent time has Aflac offered a disability plan with a waiver of premium option.
How to cancel: If you do not return to work your employer will remove you from the statement. Aflac will give you the opportunity to continue this and any plans you have on a direct basis, keeping that group rate. If you return to work, most employers will not allow you to cancel or make any changes until open enrollment. That varies with your work place and since you enrolled last year with a Sept. 1 date, that probably will be your time frame. However, there can be exceptions to this rule for life
changing events, one of which is the birth of a child. Check with your H/R for your state. As someone else already mentioned here you could be cutting off your nose to spite your face. Disability coverage is a way to insure your paycheck for many reasons more than maternity. What if you were injured in an off the job accident or face an illness? Youth is no promise of health. Even worse, if you did face an illness and had cancelled your plan it could be a long time if ever that you would again qualify for the coverage unless you did fall under an employer with group plans. I
understand budgets, but ultimately disability along with life insurance are basics.
To file the claim after delivery: The claim forms are available on aflac.com (you will set up a log on and password so that you can follow your claim) There is one page the MD must complete and one
that your employer completes. This can then be faxed in (contact your agent) or mailed. Fax is
obviously faster. Aflac disability claims require an MD signature so a NP or PA should not fill this
out for you. Often, the reality is an office staff completes the form and has a stamp for signatures.
The most common mistake is forgetting to sign the form yourself. Two locations, one on page one and on the Authorization to obtain information page.
Don't' stress it, most agents are glad to help you, congratulations on the little one and good luck.

Obtaining health insurance?

I am a 23 year old male & live in IL. I do work, however no insurance is provided or offered through my employer, other than Aflac Supplemental, which I looked over, however none of their plans offered do much good for me, so I did not sign up for any. I have some health problems, some dental problems & vision problems. I do not make much money. I figure I can afford around $25 a month on insurance right now. Is there anywhere I can find health, dental and/or vision insurance that would actually be of assitance to me (meaning desinged as a sole provider insurance & not for supplemental purposes)?

Posted by bikerlbf406
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Unfortunately, your going to be out of luck finding medical insurance for $25. Even a high deductible ($5000) health insurance plan is going to cost you $45 – $65 per month without dental and vision coverage and may be more if you have pre-existing health problems. In fact, if your health problems are severe enough you may not be able to get a plan.

You may get answers here for medical discount plans. Be very wary of these plans. The people that sell these plans have little or no knowledge of health insurance and do not need to be licensed. The plans are not regulated by the state so you have little recourse when you have a problem with the plan. If you are tempted by one of these plans get a list of doctors that accept the plan before signing up. Call some of the doctors to verify that they still do take the plan (many will not have heard of the plan and don't know they're listed) and if they are accepting new patients. Also, check the application fee. A fee of more than $25 is a good sign that the plan is a scam. Here is a link concerning these plans: Http://www.consumerreports.org/cro/consu…

Dental is a different matter; you have three options with dental.

Insurance – Depending upon the policy: cost $30-$60 per month. $50 deductible, annual maximum of $750 – $1500, waiting period up to 18 months for major work and then you're paying 50% of the charges. Example – average cost for a root canal in my area is $829. With insurance you pay $414 after paying 18 months of premium (around $800 or $900). Advantage – you can use any dentist with most plans.

Discount plans – Cost – $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example – average cost for a root canal in my area is $829. With discount plans you pay around $746. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link Http://www.insurancejournal.com/news/wes… concerning these plans.

Fee for Service discount plans – Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example – average cost for a root canal in my area is $829. With fee for service plans you pay as little as $404.

I'm an insurance agent and my personal plan is the fee for service plan. I got mine here Http://www.dpbrokers.com/default.aspx?lo… specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.

Some of the dental fee for service plans also have vision included. The only way to get cost effective vision coverage is as an add-on to the dental or medical plan.

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