To help provide relief for California policyholders residing in Imperial County affected by the August Monsoon Storm, Aflac will provide a premium grace period starting Aug. 24, 2025, and ending April 27, 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 Santa Barbara and Santa Cruz Counties affected by the November storm, Aflac will provide a premium grace period starting Nov. 13, 2025, and ending June 16, 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 Mendocino, Sonoma and Ventura Counties affected by the December storms, Aflac will provide a premium grace period starting Dec. 16, 2025, and ending June 16, 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 Humboldt County affected by the Arcata Fire, Aflac will provide a premium grace period starting Jan. 2, 2026, and ending June 16, 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 Georgia policyholders impacted by recent winter storms in the counties* listed below, Aflac will provide a premium grace period starting April 18, 2026, and ending June 17, 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.
*Impacted Georgia counties: Appling, Atkinson, Bacon, Baker, Ben Hill, Berrien, Bibb, Bleckley, Brantley, Brooks, Bryan, Bulloch, Burke, Calhoun, Camden, Candler, Charlton, Chatham, Chattahoochee, Clay, Clinch, Coffee, Colquitt, Columbia, Cook, Crawford, Crisp, Decatur, Dodge, Dooly, Dougherty, Early, Echols, Effingham, Emanuel, Evans, Glascock, Glynn, Grady, Harris, Houston, Irwin, Jeff Davis, Jefferson, Jenkins, Johnson, Lanier, Laurens, Lee, Liberty, Long, Lowndes, Macon, Marion, McDuffie, McIntosh, Miller, Mitchell, Montgomery, Muscogee, Peach, Pierce, Pulaski, Quitman, Randolph, Richmond, Screven, Schley, Seminole, Stewart, Sumter, Talbot, Tattnall, Taylor, Telfair, Terrell, Thomas, Tift, Toombs, Treutlen, Turner, Twiggs, Ware, Warren, Washington, Wayne, Webster, Wheeler, Wilcox, Wilkinson, and Worth Counties
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Health care expenses are a fact of life. Whether it’s a trip to the dentist to make sure the pearly whites are pristine, that yearly checkup with the family doctor, or something more serious and unexpected, the costs are inevitable — and many Americans are feeling unsettled about it.
According to the 2025-2026 Aflac WorkForces Report, more than half of all U.S. employees are worried about health care costs not covered by insurance, especially Gen Z.1 Fortunately, there’s help out there.
Imagine your health insurance benefits like a toolbox — inside, there is a hammer, a screwdriver, some nails, maybe a tape measure. Tools like this are used to build and make repairs. Even if someone has never stepped foot on a construction site, these tools are still recognizable, and many can easily explain their uses.
Similar to these building tools, supplemental insurance is a tool in your benefits toolbox that can help you, especially when it comes to your finances. Supplemental insurance coverage compliments major medical coverage and helps to close the gaps that might be left.
Just as there are many types of tools, there are different types of supplemental insurance plans, depending on the coverage needed. Accident insurance could be a good fit for someone with kids or an active lifestyle, while medical or family history might urge someone to choose cancer or critical illness coverage. Life insurance is perfect for making sure the whole family is covered and helps to care for your loved ones even after you are gone.
Financial safety net
Supplemental insurance is a crucial tool in protecting not just yourself, but those important to you, too. It also happens to be a multipurpose tool — it can help with financial outlook, coverage and confidence.
For one thing, supplemental insurance can help plan for future health care costs. More than 2 in 5 (44%) of workers attest they wouldn’t be able to pay $1,000 in out-of-pocket costs, meaning expenses that fall beyond the scope of typical insurance. Again, Gen Z in particular is concerned about expenses stretching beyond their existing coverage, with 61% reporting high levels of anxiety about such costs.1
But that’s exactly where supplemental insurance comes in handy. Its coverage can pay for unexpected expenses, like an accident, a hospital stay or a certain diagnoses.
Staying healthy and sticking to a wellness routine
Supplemental insurance coverage is also a great tool for keeping your health on the right track. The majority of employees (72%) enrolled in supplemental coverage have used it this past year, and not just for emergencies.1 Many of Aflac’s insurance plans cover doctor’s visits and screenings, too, so there’s additional incentive to put that annual visit on the calendar.
Be confident you’re covered
Last but not least, supplemental insurance can be used as a tool to build up confidence. When employees fully understand their policy, they feel less anxiety about health care costs and feel certain that they are fully covered in the event of a medical issue.1 Think of riding a bike — putting on a helmet, then adding knee and elbow pads, means you’re probably more confident of enjoying yourself.
Of course, it’s best to understand whatever tool you’re using. Like the importance of distinguishing between a Phillips-head and flathead screwdriver, grasping the differences between one type of coverage and another is crucial.
To get started, visit Aflac.com and discover the coverage that is right for you.
1Source: 2025-2026 Aflac WorkForces Report. Accessed Oct. 1, 2025 from aflacworkforcesreport.com.
Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York.
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