I loved this The 411 on Aflac - Is This Supplemental insurance Right For You?
As the condition care urgency and condition care debates struggle on, many consumers are looking into supplemental insurance policies to cover the gaps in traditional insurance plans. Having condition insurance can offer a great peace of mind but most traditional plans leave gaps that can just about swallow a family's budget whole in a curative crisis.
The 411 on Aflac - Is This Supplemental insurance Right For You?
What services does Aflac offer?
Accident Indemnity
Disability revenue Protection
Cancer Indemnity
Hospital Protection
Life Insurance
Dental
Long Term Care
How is Aflac different?
The supplemental insurance policies from Aflac pay above and beyond traditional insurance policies and they pay directly to you. You can ask a cost be made directly to a curative provider, but otherwise all payments will come to you.
Here's an example. If you purchase a procedure for cancer indemnity that offers a ,000 advantage and you are diagnosed with cancer, Aflac will pay you ,000 directly, regardless of your curative bills. This money can be used for curative bills that aren't covered of course.
One costumer we talked with had taken out an Aflac supplemental cancer indemnity procedure and was later diagnosed with prostate cancer. He says the insurance money helped to cover:
-Medical bill balances
-Above median phone bills for making appointments, house retain and so on
-Travel and meals expenses during treatments
-To pay off debt and relieve some stress during this time of missed work
Another customer we talked to wishes she had purchased an Aflac supplemental procedure earlier. An Aflac representative visited the school where she was teaching and although she was impressed with products, she view she was too young at 26 to need them. A year later she was diagnosed with cancer and learned the hard way how fast curative bills and the incidentals such a gas money for trip and other supplies needed from bandages to galvanic blankets mount up. Of procedure Aflac offers many products in increasing to cancer indemnity products.
Another way that Aflac is dissimilar is that it is portable. Even though you may enroll in Aflac straight through an manager (or not) you pay your own premiums, or you can have them deducted from your paycheck and your insurance can go with you if you lose your job, change jobs or move. In today's movable world and in such a volatile employment climate, the portability of Aflac insurance is a big plus.
Aflac is well-liked for these good points, as well as others such as easy claim forms that are available online and the fact that Aflac plans also pay for some deterrent services that many traditional plans don't pay for, but what about price? Aflac is ordinarily considered to have higher premiums than competitors but many feel that the ease, such as insurance without an exam, makes the cost worth it for an Aflac supplemental policy.
Some habitancy point out the disappointment that you cannot buy an Aflac supplemental insurance plan online which is tasteless with many insurance associates but this may precisely be a plus since meeting with a representative can insure that you understand all of the details on the insurance products that you are purchasing.
Most customers description unavoidable experiences with sales representatives and customer service reps although company administrators that oversee insurance benefits have confidentially said that customer service can be inconsistent which seems to be on par in the insurance industry.
Good points about Aflac:
-Portable
-Pays you directly
-Offers many products
-Claim forms are straightforward and available online
-Pays for some deterrent care
Questionable points about Aflac:
-Higher premiums
-Inconsistent costumer service
-Can not be purchased online, must meet with a representative (which may be a positive)
Overall, Aflac has proven to be a trustworthy supplemental insurance company that offers several unique products and has many good points. Possible customers will have to be the final judge on either or not the premium prices for the services make Aflac supplemental insurance a good value for them.
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