What does the Aflac Cancer Policy 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.
Does Aflac cover on the job injuries?
With AFLAC , you will receive cash benefits if you see a doctor due to a covered accident . Accidents can include, but are not limited to: Sports/Work related injuries, falls, cuts, car wrecks, dog bites , broken (chipped) teeth, and more. AFLAC provides cash benefits up to 60% of your take home pay.
What does my Aflac Cancer Policy cover?
What does my Aflac cancer policy cover? Aflac will pay $175 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.
Does Aflac cover endoscopy?
Does Aflac pay endoscopy? C. INVASIVE DIAGNOSTIC EXAMS BENEFIT: Aflac will pay $100 when a Covered Person requires one of the following exams, with or without biopsy, and a charge is incurred: arthroscopy, bronchoscopy, colonoscopy, cystoscopy, endoscopy, gastroscopy, laparoscopy, laryngoscopy, sigmoidoscopy, or esophagoscopy.
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How much does Aflac pay for endoscopy?
$100INVASIVE DIAGNOSTIC EXAMS BENEFIT: Aflac will pay $100 when a Covered Person requires one of the following exams, with or without biopsy, and a charge is incurred: arthroscopy, bronchoscopy, colonoscopy, cystoscopy, endoscopy, gastroscopy, laparoscopy, laryngoscopy, sigmoidoscopy, or esophagoscopy.
Are colonoscopies usually covered by insurance?
Although many private insurance plans cover the costs for colonoscopy as a screening test, you still might be charged for some services. Review your health insurance plan for specific details, including if your doctor is on your insurance company's list of “in-network” providers.
Does Aflac cover colon cancer?
Cancer insurance pays benefits to help cover costs pertaining to — you guessed it — cancer. This coverage applies to breast cancer, colon cancer and all other types of the disease, helping pay for tests as well as treatments such as chemotherapy. But it doesn't stop there.
How much does Aflac pay for anesthesia?
Aflac will pay an indemnity benefit equal to 25% of the amount shown in the Schedule of Operations for the administration of anesthesia during a covered surgical operation. The maximum daily benefit will not exceed $4,250. No lifetime maximum on the number of operations.
Is a colonoscopy considered preventive care?
A colonoscopy is an important preventive care screening test that helps detect pre-cancer or colon cancer. The earlier signs of colon cancer are detected, the easier it is to prevent or treat the disease.
At what age is colonoscopy covered by insurance?
Screening Colonoscopy: Done every ten years for anyone over age 50* to look for (and remove, if needed) colon polyps. If polyps are not removed, the colonoscopy and sedation are covered 100% by health insurance.
What procedures does Aflac pay for?
ACCIDENT SPECIFIC-SUM INJURIES BENEFITS: When a Covered Person receives treatment for Injuries sustained in a covered accident, Aflac will pay specified benefits ranging from $20–$7,500 for dislocations, burns, skin grafts, eye injuries, lacerations, fractures, concussion, emergency dental work, coma, paralysis, and ...
How much does Aflac pay for cancer?
Cost CalculatorAccidentup to $0Hospitalup to $1,441Short-Term Disabilityup to $5,584Critical Care & Recoveryup to $0Cancer/Specified-Diseaseup to $7,411
Does Aflac cover cancer treatment?
Aflac's cancer insurance can help cover a wide variety of expenses that your primary insurance plan may not completely cover. Our supplemental cancer insurance offers benefits that can help with expenses from hospitalizations, surgeries, and radiation or chemotherapy treatments.
Does Aflac pay me or the hospital?
Aflac helps take the sting out. After a 3-day stay in the hospital you're feeling much better, but hospital bills add up quickly. Cash benefits are paid directly to you (unless otherwise assigned), which can help ease the financial stress of your illness.
How much does Aflac pay per day for hospital stay?
Initial Hospitalization Benefit Aflac will pay $250 per period of hospital confinement** when a covered person is confined to a hospital for at least 24 hours for a covered sickness. This benefit is limited to one payment per calendar year, per covered person. No lifetime maximum.
What 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 ...
Is anesthesia for colonoscopy covered by insurance?
Breaking Down the Colonoscopy Bill Anesthesia: Anesthesia is free for preventive colonoscopies. Those who are undergoing a colonoscopy for medical and diagnostic purposes will have to make partial out of pocket payments. Physician and Facility Fees: An extra cost may be charged depending on the location of the exam.
Are colonoscopies covered by high deductible health plan?
Your HDHP provider should cover screening colonoscopies as part of Affordable Care Act (ACA) preventive healthcare, but there are certain conditions that have to be met. You must choose an in-network gastroenterologist and an in-network hospital or facility such as an ambulatory surgery center (ASC).
How much does anesthesia cost for colonoscopy?
A common colonoscopy at outpatient hospital facility in California includesUnitsAvg Cash priceAnesthesiaAnesthesiologist fee to be "put under" for procedure Level 2 Standard1$156Anesthesiologist time to be "put under" for procedure Per minute Standard62$144Total average cash price$1,865.907 more rows
What are the new guidelines for colonoscopy?
The American Cancer Society (ACS) has guidelines for colorectal cancer screening and recommends people at average risk for colorectal cancer begin screening at age 45....Visual exams:Colonoscopy every 10 years.CT colonography (virtual colonoscopy) every 5 years.Flexible sigmoidoscopy (FSIG) every 5 years.
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.
Dental
Choose from Aflac’s dental coverage options for the level and premiums that are right for you.
MyAflac Resources
Tackle everything from filling claims to managing policies all in one place.
Life Insurance Calculator
How much life insurance should you get? Use our calculator to find out.
How much does Aflac pay for mammograms?
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.
Does lump sum cancer insurance cover medical bills?
If you’re buying a lump-sum cancer plan, it should pay for more than just some of your medical care. The payout should also cover your daily expenses.
Does Aflac cover cancer screening?
Aflac has announced the launch of a new cancer protection program that does more to support prevention, early diagnosis and treatment. Aflac Cancer Protection Assurance offers coverage for screening tests and surgeries performed on the basis of genetic testing results.
Does Aflac pay for medical expenses?
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. Rather, they pay you cash directly, unless assignedinstead of a doctor or hospitalto help you manage expenses like bills, rent, car payments, groceries, child care and more. Cancer is expensive, but with Aflac Cancer Protection Assurance, patients can focus on the most important thing: getting better.
Does insurance cover non-melanoma?
Many cancer insurance plans do not offer benefits for policyholders diagnosed with these non-melanoma skin cancers, or a large share of cases that are frequently called cancer. Other plans that provide both initial-diagnosis payments and recurring payments may not provide a lump-sum benefit for the initial diagnosis of a non- melanoma skin cancer.
Does AFLAC have a calculator?
Aflac offers tools such as the real cost calculator to determine the costs of supplemental policies. Each cancer/specified-disease insurance policy differs depending on the age and gender of the applicant and the severity of the disease, reports Aflac. Additionally, state regulations and restrictions affect any details of a cancer insurance policy. Users can begin an insurance policy application online at the Aflac website or in person with an insurance specialist.
What is a diagnostic colonoscopy?
Diagnostic / Therapeutic Colonoscopy: A colonoscopy is performed to evaluate or treat gastrointestinal symptoms, colon polyps or gastrointestinal disease. Before your procedure you should know your colonoscopy category.
Is a colonoscopy asymptomatic?
Preventative Colonoscopy Screening: Patient is asym ptomatic (no present gastrointestinal s symptoms), is age 50 or older, and has no personal history of gastrointestinal disease, colon polyps and / or cancer. A colonoscopy has not been performed within the past ten y ears. This is usually a routine screening colonoscopy and covered by most insurance plans
