To help provide relief for California policyholders residing in Los Angeles and Ventura Counties affected by the wildfires, Aflac will provide billing leniency for impacted insureds, an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder. Affected members should contact Aflac at 800-992-3522 for assistance.
For Network Dental and Vision Members:
This also provides an extension of filing deadlines for claims and leniency for any other action required under the certificate. Affected members are not required to obtain prior approval when accessing appropriate out-of-network providers when in-network providers are unavailable. The cost-sharing for out-of-network will be in amount equal to cost-sharing affected members would have paid for the provision of that service in-network. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.
To help provide relief for California policyholders residing in Tuolumne and Calaveras Counties affected by the lightning-ignited fires, Aflac will provide a premium grace period starting Sept. 2, 2025, and ending Nov. 18, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.
For Network Dental and Vision Members:
This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.
To help provide relief for Alaska policyholders and certificate holders residing in Northwest Arctic Borough, North Slope Borough, Kusilvak Census Area, Bethel Census Area, Nome Census Area, and Aleutians West Census Area who are affected by the storm, Aflac will provide an extended premium grace period starting Oct. 9, 2025, and ending Dec. 15, 2025. This grace period also includes an extension of filing deadlines for claims and leniency for any other actions required under the policy or certificate. In addition, Aflac will relax prescription drug benefit guidelines to allow payment of claims when a covered prescription drug is refilled prior to the usual 30-day limit. Policyholders and certificate holders may also request a replacement copy of their policy or certificate.
For Network Dental and Vision Members:
Aflac is providing temporary relaxation of precertification and referral requirements. Members will have access to appropriate out-of-network providers if in-network providers are unavailable or if they have been displaced, and leniency will be provided for any other actions required under the certificate. Affected members should contact Aflac Benefits Solutions (formerly Argus Dental and Vision) at 855-819-1873, option 1, for assistance.
To help provide relief for Oregon policyholders residing in Oregon who were affected by the wildfires, Aflac will provide a premium grace period starting Sept. 3, 2025, and ending Nov. 26, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.
For Network Dental and Vision Members:
This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.
To help provide relief for Arizona policyholders residing in Gila, Mohave and Maricopa counties affected by the heavy rains, Aflac will provide a premium grace period starting Sept. 25, 2025, and ending Jan. 13, 2026. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.
For Network Dental and Vision Members:
This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.
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COLUMBUS, Ga., Nov. 23, 2020 /PRNewswire/ -- Despite pandemic economic hardships, National Retail Federation forecasting shows consumers will spend just under $1,000 this holiday season — with speculations centering on how Americans have extra cash on hand due to spending more time at home because of the pandemic. However, according to the 2020 Aflac Health Care Issues Survey released by Aflac, a leading provider of supplemental insurance and products in the U.S., the expenses health insurance doesn't cover may make many American families cash in on this so-called "quarantine savings" to pay for out-of-pocket medical costs rather than on holiday gifts for their loved ones.
The second annual national online survey of 1,138 U.S. adults looked at how medical costs over the last two years have affected Americans during the holiday season and year-round, as well as the rate of hospital visits, regrets related to health care coverage decisions and COVID-19's ramifications.
The ongoing rise in health care costs is hitting American families hard, and the challenges posed by the global health crisis are an aggravating factor. Among families with children under 18 in their household who visited the hospital in the past two years, 70% faced significant out-of-pocket medical expenses beyond a copay or deductible during their most recent hospital visit. Of these, 64% said they spent $500 or more in out-of-pocket costs, up from 58% in 2019, and 45% of families said they spent $1,000 or more in out-of-pocket costs, up from 37% last year.
"As a mother of three and a businesswoman, I have seen firsthand how the pandemic has shaped everything from how and where kids learn to how and where employees work," said Stephanie Shields, senior vice president of Broker Sales at Aflac. "In a year ripe with change, one constant remains: High medical costs continue disrupting American families, many of whom may be unprepared for the out-of-pocket expenses health insurance doesn't cover."
Because of these financial difficulties, many families may find it difficult to fill in their loved ones' stockings this holiday season. Within the past two years, nearly 3 in 4 (71%) families said they had to make some sort of sacrifice or hard decision during the holiday season because of medical cost concerns, including:
In addition, over one-third of families (37%) said they made health care coverage decisions they regret within the past two years. The top reasons for this benefits remorse include choosing a plan with limited benefits (41%), choosing too high of a deductible (40%), going to an out-of-network doctor (39%) and not sufficiently researching benefits (31%).
"It's natural for people to have regrets after making decisions about their medical plan, which can impact their future," said Shields. "While no one could have foreseen what's occurred in 2020, it is essential to learn from the past and educate yourself on the role health care benefits like supplemental insurance can play in helping with the expenses health insurance doesn't cover. Doing so can lead to greater confidence in the coverage you choose and, hopefully, fewer regrets and financial woes, meaning families can focus on getting and staying well."
COVID-19's Impact
At the time of the survey, 16% of families said they or a member of their household was diagnosed with or received treatment for COVID-19, making it the third top health condition among eight prevalent conditions presented that families said they faced. But its impression has been staggering: Compared to the 62% of families surveyed who said they have been to a hospital in the past two years for an outpatient procedure, an overnight stay or both, a full 3 in 4 families who faced COVID-19 said they or someone in their household required hospitalization as a result.
The top-two conditions surveyed families said they have encountered are diabetes (35%) and cancer (16%), with heart attack (14%) and stroke (13%) ranking a close fourth and fifth. According to the Centers for Disease Control and Prevention, each of these conditions is a common comorbidity putting the afflicted at a heightened risk of severe illness from COVID-19.
Interestingly, over 3 in 4 (79%) of those who said they or a household member was diagnosed with or received treatment for COVID-19 also said they faced medical expenses beyond a copay or deductible during their most recent hospital visit. Despite the reason or season, these families have had to make hard choices about their health and finances due to medical costs year-round, including relying on a credit card (44%), postponing seeing a medical professional (37%) or taking a family member to see a medical professional (33%), working extra to offset medical expenses (31%) and taking out a loan (30%).
Perhaps not surprising, for those who said they or a household member was diagnosed with or received treatment for COVID-19, 62% admit coverage regrets within the past two years.
Survey findings for all respondents, not just families with children, are also available and held steady across all groups. Learn more about the financial effects of health care issues and how Aflac can help with the expenses health insurance doesn't cover at Aflac.com/HCI.
Methodology
The 2020 Aflac Health Care Issues Survey is a national online survey of 1,138 U.S. adults fielded in August 2020 by Hill+Knowlton Strategies. To learn more about the survey findings, visit Aflac.com/HCI.
About Aflac Incorporated
Aflac Incorporated (NYSE: AFL) is a Fortune 500 company, helping provide protection to more than 50 million people through its subsidiaries in Japan and the U.S., where it is a leading supplemental insurer by paying cash fast when policyholders get sick or injured. For more than six decades, insurance policies of Aflac Incorporated's subsidiaries have given policyholders the opportunity to focus on recovery, not financial stress. Aflac Life Insurance Japan is the leading provider of medical and cancer insurance in Japan, where it insures 1 in 4 households. Fortune magazine recognized Aflac as one of the 100 Best Companies to Work for in America for 20 consecutive years. For 14 consecutive years, Aflac has been recognized by Ethisphere as one of the World's Most Ethical Companies. In 2020, Fortune included Aflac Incorporated on its list of World's Most Admired Companies for the 19th time, and Bloomberg added Aflac Incorporated to its Gender-Equality Index, which tracks the financial performance of public companies committed to supporting gender equality through policy development, representation and transparency. To learn how to get help with expenses health insurance doesn't cover, get to know us at Aflac.com.
Aflac | Aflac New York | WWHQ | 1932 Wynnton Road | Columbus, GA 31999.
Media contact: Jon Sullivan, 706.573.7610 or jsullivan@aflac.com
Analyst and investor contact: David A. Young, 706.596.3264 or dyoung@aflac.com
SOURCE Aflac Incorporated
