Aflac policies are considered HIPAA excepted benefits because they are not major medical health coverage. This means they are offered separately from major medical coverage and are not an integral part of an individual’s health plan.
What is covered on Aflac accident policy?
What does the Aflac Accident Advantage policy include? A wellness benefit payable for routine medical exams to encourage early detection and prevention. Benefits payable for fractures, dislocations, lacerations, concussions, burns, emergency dental work, eye injuries, and surgical procedures.
What does an accident plan cover?
Accident insurance helps you pay for medical and other out-of-pocket costs that you may incur after an accidental injury. This includes emergency treatment, hospital stays, medical exams, as well as other expenses you may face such as transportation and lodging needs.
Does Aflac cover annual physical?
This benefit is limited to one payment per calendar year, per covered person. Physical Therapy Benefit Aflac will pay $35 for one treatment per day up to a maximum of ten treatments per covered accident, per covered person if a physician advises the person to seek treatment from a physical therapist.
What does Aflac accident insurance do for You?
Aflac’s Accident Insurance is designed to pay for the expenses that are not covered under a major medical plan in the event of an accident. This plan also offers wellness benefit options, which will help to pay for routine preventative care that is not otherwise covered.
How long does Aflac pay for hospital confinement?
Aflac will pay this benefit up to 365 days per covered accident, per Covered Person. Hospital Confinements must start within 30 days of the accident. The Accident Hospital Confinement Benefit and the Rehabilitation Facility Benefit will not be paid on the same day.
How much does Aflac pay for chiropractic treatment?
Aflac will pay $25 when a Covered Person receives chiropractic treatment for a structural imbalance from Injuries sustained in a covered accident. This benefit is payable for treatment by a Chiropractor in a Chiropractor’s office. Treatment must be received within 72 hours of the accident for benefits to be payable.
How much does Aflac pay for blood and platelets?
BLOOD/PLASMA/PLATELETS BENEFIT: Aflac will pay $200 when a Covered Person receives blood/plasma and/or platelets for the treatment of Accidental Injuries sustained in a covered accident. This benefit does not pay for immunoglobulins and is payable only one time per covered accident, per Covered Person.
