Individuals & Families Business Owners Brokers Become an Aflac Agent Request a Quote Call Us Add Aflac to your game plan. Get help with expenses health insurance doesn't cover. Enter your info to get started. Zip Code Age Covering Get Started We're here to help. COVID-19 update Learn More How prepared are you to cover unplanned out-of-pocket costs? Forty-eight percent of Americans have less than $1,000 to spend on out-of-pocket expenses.‡ When unexpected healthcare costs like these come your way, there’s Aflac. See how we can help meet your needs. Cost Calculator Medical Expenses $87,184 Avg. Insurance Coverage 60% Remaining Expenses* $34,874 Aflac Supplemental Coverage: Aflac pays you: $15,029 When life gives you setbacks, Aflac is here to help you make a comeback. Accident Get peace of mind and help paying for emergency treatment. Cancer1 Get help coping with the financial and emotional effects of cancer. Critical Illness Get help with the cost of treating covered critical illnesses. Dental Choose from Aflac’s dental coverage options for the level and premiums that are right for you. Supplemental Dental Get the benefits you need—with no networks or deductibles. Hospital Help keep high deductibles from derailing your life plans. Life Help protect the financial future of your loved ones. Short-Term Disability Help ease the financial stress caused by a covered injury. Vision Choose from Aflac’s vision coverage options for the level and premiums that are right for you. Supplemental Vision Find the care you need to help maintain healthy vision. Pet Insurance2 Help for when your pet experiences the unexpected. Ready to take the next step to protect your future? I would like coverage for: Myself My Employees About Aflac Careers Investors Providers Duck Gear Contact Us © 2021 AFLAC INCORPORATED Terms of Use Sitemap Privacy Policy & Notifications Privacy Center Accessibility Statement Individual Policies: Coverage underwritten by American Family Life Assurance Company of Columbus. In New York, coverage underwritten by American Family Life Assurance Company of New York. Direct to Consumer individual coverage underwritten by Tier One Insurance Company. Aflac Worldwide Headquarters | Columbus, GA Aflac Group Policies: Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. For groups sitused in California, group coverage is underwritten by Continental American Life Insurance Company. For groups sitused in New York, coverage is underwritten by American Family Life Assurance Company of New York. Aflac Group | Columbia, SC “Aflac” may include American Family Life Assurance Company of Columbus, American Family Life Assurance Company of New York, Continental American Insurance Company (marketed as “Aflac Group”), Tier One Insurance Company, and any other affiliated companies (collectively, “Aflac”), as applicable to the entity from whom you receive insurance services. 1 Cancer insurance is also known as Specified-Disease Insurance in some states. 2 Trupanion policies are sold and administered by Trupanion Managers USA, Inc. (“TMUI”) (licenses available here), and are underwritten by American Pet Insurance Company (“APIC”), with its main office at 6100 4th Ave S, Seattle, WA 98102. Aflac Benefits Advisors, Inc. (d/b/a Aflac Insurance Solutions), a subsidiary of Aflac Incorporated and a licensed insurance producer (NPN 16512385), has limited authority to advertise Trupanion policies, does not intend to sell, solicit, or negotiate policies on behalf of APIC, does not have authority to bind coverage on behalf of APIC, and may receive compensation from TMUI for insurance policies sold by TMUI further to a referral from Aflac Benefits Advisors, Inc. Aflac Benefits Advisors, Inc. does not have authority to sell, solicit, or negotiate insurance policies in Puerto Rico. TMUI, APIC, and their affiliates are separate, independent of, and distinct from Aflac Benefits Advisors, Inc. Terms and conditions including limitations and exclusions apply. Availability and qualification for coverage, terms, rates and discounts may vary by jurisdiction. See the full policy for details. Information you provide to TMUI is subject to Trupanion’s privacy policy and website terms of use, and may be shared with Aflac Benefits Advisors, Inc. ‡ "2020-2021 Aflac WorkForces Report". www.aflac.com/awr *The information provided in the Benefits Estimator is illustrative only. Plans may not be available in all states, and benefits may vary by state, coverage, and plan level selected. Policies have limitations and exclusions that may affect benefits payable. The Aflac payout values do not guarantee an amount to be paid for the listed conditions. Benefits paid by Aflac (if any) will depend on the severity of the accident or illness, the physician diagnosis, and the treatment received. The "Aflac Pays You" data is an average of historical payments made to Aflac policyholders/certificateholders who qualified for benefits under their specific plans and does not reflect instances when benefits were not paid for a particular claim. Whether benefits are payable will be determined when a claim is processed. You must be 18 or older to apply for Aflac insurance. Availability varies by product; see your local Aflac agent for details. The out-of-pocket expenses displayed are estimated at 40% of the total medical cost, assuming that average major medical plans cover approximately 60% of the expense. Your major medical coverage may be more or less, and if an individual or family incurs expenses for non-covered benefits, these out-of-pocket expenses may increase potential unexpected costs. You will also need to pay for any limits or exclusions on your benefits which may include the number of refills for certain drugs, visits to certain specialists, or days covered for certain benefits. View Data Sources to see our underlying sources for the data provided in this calculator. Disclaimer +