Aflac Medicare Supplement Plans 2027
Also called “Medigap” insurance, Aflac Medicare supplement plans cover some services that Original Medicare does not. They also help pay out-of-pocket costs that Original Medicare does not cover.
— Advantages
Aflac Medicare Supplement Plan & Advantages to Consider
Medigap fills in Medicare’s gaps in coverage such as various deductibles, co-insurance and co-pays. You must enroll in Medicare Parts A and B. This makes you eligible to add a Medigap plan. You add the Medigap plan to Original Medicare.
Aflac offers Medigap Plans A, F, G, and N in 27 states. Plan F remains the most comprehensive policy, while Plan A provides minimal benefits. Compare all Medigap plan benefits.
Medigap plan advantages:
- Flexibility – Medigap plans have no network limits. This means you can see any doctor who accepts Medicare.
- No referrals needed to see a specialist.
- Guaranteed renewable – Aflac cannot cancel your Medigap plan because of your health or age. This applies as long as you keep paying your premiums.
- You may switch Medigap plans anytime you need to adjust your coverage. However, you may need to go through underwriting when you change coverage.
— Additional Considerations
Things to Keep in Mind Regarding Aflac Medicare Supplement Premiums
Your Aflac Medigap plan premium may vary based on your age and gender. It may also depend on your health, zip code, tobacco use, and coverage needs. If you are outside open enrollment or a guaranteed issue period, your health may affect your rate.
Since Aflac uses the attained-age method when calculating your premiums, your rates will change as your age increases. For rate changes to your policy, Aflac will send a written notice at least 30 days before they change your rates.
Aflac also offers a 7 percent household discount if both you and your spouse purchase Medigap coverage with them. This can help significantly lower your premiums.
— About
More About Aflac Medicare Supplement
Aflac, founded in Columbus, Georgia, in 1955, is one of the most well-known insurance companies in the world. In addition to its successful business in the U.S., Aflac also covers one in four Japanese households.
Committed to Philanthropy
Aflac has given more than $79 million to childhood cancer research and treatment. This support is through its partnership with Children’s Healthcare of Atlanta. It has also given major support to Easter Seals, United Way, and Habitat for Humanity.
Eco-conscious
Aflac has partnered with the Clean Air Campaign to help reduce air pollution. It encourages people to use other ways to travel.
Internationally Recognized
Ethisphere has recognized Aflac for seven straight years as one of the world’s most ethical companies. The company has operated for more than 60 years and holds an A+ (Superior) rating from A.M. Best.
— Pros & Cons
Pros & Cons of Aflac Medicare Supplement Plans
Aflac Medicare Supplement Pros
- Backed by a trusted brand: Aflac Medicare Supplement plans are issued by Tier One Insurance Company. Tier One is an Aflac subsidiary. Aetna administers the plans. You get the backing of two well-known names in insurance.
- Freedom to choose your doctors: These plans have no provider networks. You can see any U.S. doctor or hospital that accepts Medicare. You also generally don’t need a referral to see a specialist.
- Strong coverage with Aflac Medicare Supplement Plan G: Aflac Plan G covers almost all your out-of-pocket costs. This applies after you pay the Part B deductible. That includes Part B excess charges, which protects you if a doctor bills above Medicare’s approved amount.
- Rate lock in the first year: New policies have no rate increases for the first 12 months. This makes your first-year costs easy to plan for.
- Little paperwork: Most providers bill Medicare and Aflac directly, so you rarely need to file claims yourself.
- Guaranteed renewable: Aflac will not cancel your policy if you pay premiums on time, even if your health changes.
Aflac Medicare Supplement Cons
- Limited state availability: The Aflac Medicare Supplement is not sold in every state. Check availability in your area before you plan around it.
- Fewer plan choices: Aflac offers only a few plans. These include Plans A, F, G, and N. Some other carriers offer more options. For example, they may offer a high-deductible Plan G.
- Health questions outside open enrollment: You may need to answer health questions. This can happen if you do not enroll during your Medigap Open Enrollment Period.
- No extra benefits: The plans don’t include dental, vision, hearing, or fitness perks that some competitors bundle in.
- Premiums rise over time: After the first year, your rates can go up based on your age, location, and other factors.
Conclusion
Aflac Medicare Supplement plans are a good option if you’re looking for a trusted brand. You can see doctors nationwide. Your costs in the first year are predictable.
Aflac Medicare Supplement Plan G stands out for anyone who wants broad coverage with few unexpected bills. Since availability and pricing vary by state, compare quotes from several carriers before you decide.
— Testimonials
We’ve helped people find Medigap insurance or a Medigap health sharing plan.
Each customer gets the same amazing service!
“Having MediGap Advisors to help me work through my Medicare coverage options over the next year gives me great peace of mind.
I especially would like to thank Misty for her help the last several years. Her dedication and expertise deserve the highest praise.”
Robert N. (CO)
“Mike takes the time to address every concern with care and attention to detail. His reliability and expertise are why we continue to rely on him for all our Medicare needs.”
Janice B. (VA)
— Next Steps
What To Do Now
To check Aflac Medicare Supplement plan rates, request a quote at the top of this page. You can also request a quote on our MediGap Quotes page.
If you have questions about how an Aflac Medicare Supplement policy can help you, call our Personal Advisors. Call 800-913-3416. We’re here to answer all your questions and guide you to the best plan that fits your needs and budget.
— How to Apply
Apply for an Aflac Medicare Supplement Plan Today!
You may follow these instructions to apply today or simply call one of our helpful Advisors at 800-913-3416. They can guide you through the process and answer any questions you may have about this. They can also answer questions about any other Medicare Supplement plan. We are happy to help.
— Common Questions
Aflac Medicare Supplement Frequently Asked Questions
Who offers Aflac Medicare Supplement plans?
Aflac Medicare Supplement plans are issued by Tier One Insurance Company, a subsidiary of Aflac Incorporated. Aetna administers the plans. Aflac offers several standard Medigap plans, including Plans A, F, G, and N. Availability varies by state.
What does Aflac Medicare Supplement Plan G cover?
Aflac Medicare Supplement Plan G covers most costs that Original Medicare does not cover. That includes Part A deductibles, coinsurance, and Part B excess charges. It does not cover the Part B deductible. Once you pay it, you should owe little or nothing for Medicare-approved care.
How is Aflac Medicare Supplement Plan N different from Plan G?
Aflac Medicare Supplement Plan N usually costs less each month than Plan G, but you share more of the costs.
With Plan N, you may pay up to $20 for some office visits. You may pay up to $50 for emergency room visits. This applies when the hospital does not admit you. Plan N also doesn’t cover Part B excess charges.
Can I see any doctor with an Aflac Medicare Supplement plan?
Yes. Aflac Medicare Supplement plans have no provider network. You can see any U.S. doctor or hospital that accepts Medicare. You also don’t need a referral to see a specialist.
What should I look for in Aflac Medicare Supplement reviews?
Good Aflac Medicare Supplement reviews cover more than price. Look for comments on claims handling, customer service, and how much rates have gone up over time. Comparing these points across carriers helps you choose a plan that stays affordable.
When is the best time to enroll in an Aflac Medicare Supplement plan?
The best time to enroll is during your Medigap Open Enrollment Period. It lasts six months and starts the month you turn 65 and get Part B. During this time, companies can’t deny you or charge more because of your health. If you apply later, you may have to answer health questions.
— Next Steps
Where To Go From Here
Aflac Medicare Supplement Reviews
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Aflac has worked well for me!
I’ve had my Aflac med supp plan for over 2 years now and I’ve never had any problems. Only used it a few times, but the service has been great. Highly recommend them.