On Feb. 21, 2024, the cyber event reported by Change Healthcare, a company that assists healthcare providers with claims submissions and payments, has created a significant impact to health care providers, including hospitals, individual practitioners, practice groups, diagnostic centers, laboratories, and pharmacies. We have determined Aflac’s primary operations are not impacted. Further, Aflac and its subsidiaries do not have any direct connection to Change Healthcare systems in any of Aflac’s systems or applications. At this time, we are not aware of any impact to customer data but we are monitoring for any communications from our critical third-party suppliers. While Change Healthcare’s cyber event was not directed at Aflac, we will provide flexibility with claims submissions related to this incident should it be needed. If you believe you have a claim impacted by Change Healthcare’s event, please contact Aflac at 800-992-3522.
To help provide relief for Arkansas policyholders residing in Baxter, Benton, Boone, Carroll, Fulton, Grant, Greene, Madison, Marion, Nevada, Randolph, Sevier, and Sharp counties affected by severe storms, floods and tornadoes occurring May 24-26, Aflac will provide a premium grace period starting May 24, 2024, and ending July 23, 2024. 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.
To help provide relief for California policyholders residing in the state of California affected by the winter storms, Aflac will provide a premium grace period starting Feb. 3, 2024, and ending Aug. 20, 2024. 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
To provide relief for New Mexico policy/certificate holders residing in Lincoln County and the Mescalero Apache Reservation and affected by the wildfires, Aflac will provide the following protections for policy/certificate holders:
In addition to the above, Aflac through Aflac Benefits Solutions will provide the following protections for Network Dental and Vision members and providers:
Affected members should contact Aflac Benefits Solutions at 855-819-1873, option 1, for assistance.
To help provide relief for Iowa policyholders residing in Iowa that have been affected by the severe storms, Aflac will provide a premium grace period starting Apr. 16, 2024, and ending Aug. 26, 2024. 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 provide relief for Texas policy/certificate holders residing in Anderson, Angelina, Aransas, Atascosa, Austin, Bastrop, Bee, Bell, Bexar, Bowie, Brazoria, Brazos, Brooks, Burleson, Caldwell, Calhoun, Cameron, Camp, Cass, Chambers, Cherokee, Collin, Colorado, Comal, Dallas, Delta, DeWitt, Dimmit, Duval, Ellis, Falls, Fannin, Fayette, Fort Bend, Franklin, Freestone, Frio, Galveston, Goliad, Gonzales, Grayson, Gregg, Grimes, Guadalupe, Hardin, Harris, Harrison, Hays, Henderson, Hidalgo, Hill, Hopkins, Houston, Hunt, Jackson, Jasper, Jefferson, Jim Hogg, Jim Wells, Karnes, Kaufman, Kenedy, Kinney, Kleberg, Lamar, LaSalle, Lavaca, Lee, Leon, Liberty, Limestone, Live Oak, Madison, Marion, Matagorda, Maverick, McLennan, McMullen, Medina, Milam, Montgomery, Morris, Nacogdoches, Navarro, Newton, Nueces, Orange, Panola, Polk, Rains, Red River, Refugio, Robertson, Rockwall, Rusk, Sabine, San Augustine, San Jacinto, San Patricio, Shelby, Smith, Starr, Titus, Travis, Trinity, Tyler, Upshur, Uvalde, Van Zandt, Victoria, Walker, Waller, Washington, Webb, Wharton, Willacy, Williamson, Wilson, Wood, Zapata, and Zavala counties, and affected by Hurricane Beryl, Aflac will provide the following protections for policy/certificate holders:
In addition to the above, Aflac through Aflac Benefits Solutions will provide the following protections for Network Dental and Vision members and providers:
Affected members should contact Aflac Benefits Solutions at 855-819-1873, option 1, for assistance.
To help provide relief for Oregon policyholders residing in the state that have been affected by the wildfires, Aflac will provide a premium grace period starting July 9, 2024, and ending Oct. 1, 2024. 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.
By Dan Amos, Chairman, CEO, and President, Aflac Incorporated
A few years ago, a friend told me his wife had been feeling out of sorts. She didn’t know why, but because of the pandemic she hadn’t been going to her regularly scheduled checkups. When she finally went, the news wasn’t good. Stage 3 cancer.
Thankfully, she continues to improve, but sadly, her story isn’t unique. Research shows that millions of Americans neglected their personal health during the pandemic,1 and while too many still are, I am pleased that our claims volume continues to return to pre-pandemic levels. We want to pay claims, and here’s why.
As an insurance company, managing risk is what we do. For policyholders, we see part of managing risk to mean that they will take more charge of their personal health care needs. That’s because we know that preventive care, like routine checkups and prescribed screenings, helps save lives, and as stewards of our customers’ health and financial security, we are obligated to encourage this behavior through our policy offerings and our words.
Proactive care ought to be important to everyone, as not only can an ounce of prevention be worth a lifetime of cure, in the long run, early detection can help reduce costs to consumers2 and insurers and reduce stress on the overall economy.3 After all, the least expensive medical challenge is the one that never happens or the one that is treated before it becomes catastrophic.
In 2024, our goal is to impress upon people that the time to prepare is now. Think about it — would you wait for a hurricane to happen before weatherproofing your house? Of course not. Instead, you would install storm shutters, secure loose items in the yard and, yes, purchase insurance that will cover your property in the event of significant damage. We should do the same with our health care.
The American Cancer Society recently released its 2024 statistics. Some of the news is good. Death rates from cancer are declining due to, you guessed it, early detection and improvements in treatment protocols.
We urge people, regardless of life stage, to review the cancer warning signals, none of which would mean you have cancer, but could serve as incentive to see your doctor.4 Young people should develop good health habits, particularly as advancements like telemedicine have made it easier than ever to have a routine examination.
Of course, we believe Aflac is the preferred choice for individuals seeking the financial protection provided by supplemental health insurance, but our concern goes much deeper than that. We simply don’t want families to go through what my friend’s wife endured, when it could be avoided.
Dan Amos is Chairman, CEO and President of Aflac Incorporated. In his 34th year, he is the 5th longest-serving CEO in the Fortune 500.
1 Sparks, Hannah. “Millions of Americans can’t afford doctor visits during pandemic: study.” March 31, 2001. https://nypost.com/2021/03/31/46m-americans-avoided-doctor-during-pandemic-due-to-costs/, accessed on Feb. 5, 2024.
2 World Health Organization, “Promoting cancer early diagnosis.” Accessed on Jan. 29, 2024. https://www.who.int/activities/promoting-cancer-early-diagnosis.
3 Fendrick, Mark, M.D. “Cancer screenings have saved the U.S. at least $6.5 trillion, study estimates.” University of Michigan. Aug. 17, 2023. https://thrive.kaiserpermanente.org/care-near-you/northern-california/santarosa/wp-content/uploads/sites/15/2015/10/Cancer-Warning-Signals_tcm28-808438.pdf, Accessed on Feb. 5, 2024.
4 Kaiser Permanente, “Cancer Warning Signals.” Accessed on Jan. 29, 2024. https://thrive.kaiserpermanente.org/care-near-you/northern-california/santarosa/wp-content/uploads/sites/15/2015/10/Cancer-Warning-Signals_tcm28-808438.pdf.
Content within this article is intended to provide general information about an evolving topic and does not constitute legal or financial advice regarding any specific situation. This information is not intended to portray any specific details of Aflac supplemental insurance policies. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent. Aflac supplemental coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac supplemental coverage is underwritten by American Family Life Assurance Company of New York.
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