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.
Aflac Incorporated Discloses Cybersecurity Incident View notification
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.
