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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Imagine seeing a delicious cake sitting on the kitchen counter. It’s your favorite flavor, and it has just the right amount of frosting. Now imagine that 90% of it is gone in the blink of an eye — that is a lot of cake you didn’t get to eat, and you probably wouldn’t be too happy to have it disappear.
Now take that disappointing scenario and imagine it playing out in the waiting room at your doctor’s office. It’s not just your imagination; it’s a reality: According to the 2025 Wellness Matters survey from Aflac, 90% of Americans have put off health screenings this year.1 People have a myriad of reasons for avoiding those appointments, from feeling healthy to just feeling embarrassed.
Fortunately, there’s a simple solution that can help you feel more confident about your wellness. A good first step is to research or talk to your physician about recommended screenings for your age group. Then review your benefits to see what’s covered and what you may expect to pay out of pocket — educating yourself about your benefits can help encourage you to visit the doctor, while the same benefits can help with your financial concerns. And, pro tip, having supplemental insurance can help with expenses not covered by health insurance. It can also help you take control of multiple facets of your health care journey, including physical, financial and mental wellness. In fact, mental health coverage is becoming a bigger concern with employees, with 74% saying that their mental health benefits are just as important to them as major medical.2
Read below to see how your supplemental insurance coverage can play an important role in helping to improve your physical, financial and mental wellness.
Physical wellness
Proactive health care can greatly increase the likelihood of a positive health outcome. In other words, visit the doctor before a health scare, not because of one. Before you add the appointment to your calendar, make sure you understand just how your benefits can help you. According to the 2025-2026 Aflac WorkForces Report, when employees understand how their benefits package works, they are less likely to delay medical care.
Of course, it can be difficult to find the time in a busy life to schedule a doctor’s appointment. Try scheduling your yearly wellness exam on the same day every year. Another tip is to make it a group effort. In fact, research shows that if you urge your loved one to make their own appointment, you’re more likely to schedule one for yourself.1
Financial wellness
Similar to your physical health, your financial wellness can be positively impacted by understanding how your benefits package works. People sometimes put off a health care visit because there are issues with their insurance,1 but having a good grasp on how your benefits benefit you can help you feel confident that you didn’t pay too much out of pocket for medical costs.2
People also tend to say logistics play a part in putting off checkups and screenings, including having to take time away from work. Time away from work might mean losing out on pay, but supplemental insurance can help you there. According to the 2025 Wellness Matters Survey from Aflac, 58% of people say it’s very likely they would schedule routine checkups if they received a cash benefit for it.1 Supplemental insurance can offer you that payout, which means your financial wellness and your physical health can be taken care of together.
Mental/emotional wellness
Mental health can sometimes prevent you from making a decision. It can hold you back from making those important doctor’s appointments, maybe because you feel nervous or embarrassed. These feelings are actually some of the main reasons people put off health care visits, but there’s nothing to be ashamed of when you’re consulting a medical professional. Doctors are here to help you.
It might make you feel more comfortable to reach out initially to friends and family. You can also ask a loved one to come with you to the doctor’s office, which is a common tactic among Gen Z women.1
"Having a 'we are in this together' approach to our health may lead to better outcomes for Americans, their families and loved ones," said Tom Morey, Aflac Senior Vice President and Chief Actuary. "One way to advocate is to schedule preventive care appointments together, at the same time.”
So if that idea has crossed your mind, you wouldn’t be the only one. Give it a try and see if it helps you feel more at ease.
Additionally, mental health is beginning to play a greater role in our futures, both in terms of wellness and, perhaps more surprising, employment. Especially for Gen Z and millennial employees, mental health benefits are becoming a factor when looking at job opportunities. In fact, 70% of employees said how their employer supports mental health will play into future job decisions.2
Your wellness matters, in every way — physical, financial and mental. To learn more information about how you can nurture yourself, please visit Aflac.com/WellnessMatters.
1 2025 Wellness Matters | Aflac. Accessed Oct. 10, 2025 from aflac.com/wellnessmatters
2 2025-2026 Aflac WorkForces Report. Accessed Oct. 10, 2025 from aflacworkforcesreport.com
Coverage is underwritten by Aflac. In New York, coverage is underwritten by Aflac New York.
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