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.
To help provide relief for California policyholders residing in Mono County affected by the Pack Fire, Aflac will provide a premium grace period starting Nov. 13, 2025, and ending Feb. 7, 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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By Tamara Jakes, director, Aflac Employee Experience and cancer survivor
In 2003, life was pretty crazy for me. Most of my days were spent trying to keep up with my then 3-year-old, which didn’t leave much time for anything else. When it came time for my annual wellness check, I honestly didn’t overthink it until my test results returned a couple of days later — abnormal.
For those of you who have heard the words “you have cancer” or been there with a loved one who has heard them, my heart goes out to you. Because I know. I know the fear, confusion, anger and, of course, uncertainty. After additional testing, my doctor confirmed it was cervical cancer. I was only 29 years old, but I was saved by a routine wellness visit that I recommend for everyone. In fact, some cancer insurance policies like the one offered at the company I work for, Aflac, pay a benefit for wellness exams.
My medical team removed the cancer, and we were blessed with how well it worked — no additional treatment was required. However, it came with other burdens like a struggle with infertility. After several years of not being able to conceive and multiple miscarriages, I was even more angry at cancer than I had been when I first got my diagnosis. Then, after 11 years, my husband and I were finally blessed with our daughter Joy, named for the joy she brought into our lives.
With all of the ups and downs, you never really learn how to exhale after a cancer diagnosis. Regular checkups always filled me with dread, but after so many years of normal results, I had started to calm a little.
Just as I started to feel like my life was back on track and I was living “worry free,” the rug was ripped from under me again. At my routine annual exam, my physician noticed a lump on my neck — thyroid cancer. I was devastated. Why now? Why again?
I made a promise to myself: I wasn’t going to let cancer win. I wasn’t going to let it interrupt my life and everything I wanted to achieve. I beat it once and I would beat it again.
My surgery took place in February 2022, and I kept the first promise I made to myself: The following month, I graduated with my master’s degree. The treatment process followed and, by the end of May, I fulfilled the second promise: I didn’t let cancer win!
My cancer journey was filled with curve balls, twists and turns. But I had two lights in that time of darkness: emotional support from my family — both at home and at work — and financial support from my supplemental insurance policies and organizations like The Leukemia & Lymphoma Society (LLS).
My advice to anyone who will listen is to:
Lastly, a piece of advice for anyone regardless of the role you play — whether it’s as a patient, caregiver, loved one, etc. — you have an opportunity to be someone’s light in what will likely be one of the darkest times of their life. Take it.
This article contains the opinions of an Aflac policyholder and is not intended to portray any specific benefits or details of Aflac cancer insurance (also known as specified-disease insurance in some states) policies. Coverage may not be available in all states and benefits may vary based on plan options. Limitations and exclusions may apply. In Delaware, Policies B70100DE, B70200DE & B70300DE. In Idaho, Policies B70100ID, B70200ID, B70300ID, B7010EPID, B7020EPID. In Oklahoma, Policies B70100OK; B70200OK; B70300OK; B7010EPOK; B7020EPOK. In Virginia, Policies A75100VA–A75300VA. For more information about Aflac insurance policies, contact your Aflac agent or visit aflac.com. 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. Aflac WWHQ | 1932 Wynnton Road | Columbus, GA 31999
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