How long do you have to have Aflac before you can use it?

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  1. We will pay this benefit for up to six treatments per covered accident, per insured for follow-up treatment.
  2. The insured must have received initial treatment within 72 hours of the accident, and the follow-up treatment must begin within 30 days of the covered accident or discharge from the hospital.

Subsequently, Does Aflac cover pre existing conditions? A. Disability caused by a Pre-existing Condition or reinjuries to a Pre-existing Condition will not be covered unless it begins more than 12 months after the Effective Date of coverage. B.

Does Aflac cover surgery? AFLAC will pay benefits according to the Schedule of Operations when a covered person has a surgical operation performed for a covered sickness in a hospital or ambulatory surgical center. Only one benefit is payable per 24-hour period for surgery even though more than one surgical procedure may be performed.

Yet, Does Aflac pay for doctor visits? A. PHYSICIAN VISIT BENEFIT: Aflac will pay $25 when a Covered Person incurs a charge for a visit (including a Telemedicine Visit) to a Physician, Psychologist, or Urgent Care Center. Services must be under the supervision of a Physician or Psychologist.

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 …

Does Aflac pay for hospital stays?

E. DAILY HOSPITAL CONFINEMENT BENEFIT: Aflac will pay $100 per day for the Period of Hospital Confinement when a Covered Person requires Hospital Confinement for a covered Sickness or Injury and a room charge is incurred. This benefit is payable in addition to the Hospital Confinement Benefit.

How much does Aflac pay for an MRI?

Major Diagnostic Exams Aflac will pay $200 if a covered person requires one of the following exams for injuries sustained in a covered accident: CT (computerized tomography) scan, MRI (magnetic resonance imaging), or EEG (electroencephalogram).

Does Aflac pay for colonoscopy?

Some Aflac insurance plans—including critical illness, accident and hospital coverage—may include wellness benefits, paying your employees for out-of-pocket expenses that could include health screening tests performed as a part of preventive care, such as diagnostic procedures like colonoscopies.

Is Aflac a waste of money?

Aflac has an A+ rating from A.M. Best, a credit rating agency for the insurance industry. Aflac also sells some of its supplemental insurance products directly to individuals.

Why is it not a good idea to have supplemental insurance?

For example, it may not cover all the expenses you expected; it may impose waiting periods before payments start; or it may contain limits based on how much you paid and for how long. It is important to understand that supplemental insurance is not regulated by the Affordable Care Act.

Does Aflac cover copays?

After you reach your out-of-pocket maximum, your insurance will cover 100 percent of all expenses, including copays or coinsurance.

How long do you have to have Aflac before it pays?

Aflac will not pay benefits for an illness, disease, infection, or disorder that is diagnosed or treated by a Physician within the first 30 days after the Effective Date of coverage, unless the resulting Disability begins more than 12 months after the Effective Date of coverage. C.

Is Aflac good to have?

Aflac has an A+ rating from A.M. Best, a credit rating agency for the insurance industry. Aflac also sells some of its supplemental insurance products directly to individuals.

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