Supplemental Insurance Needs Aflac Review

Supplemental Insurance Needs

Supplemental Insurance Needs

Do you currently have supplemental insurance needs?  It’s a question I asked myself recently.  My husband has his own business and we pay a huge premium every year for our family plan.  I always research other companies before open enrollment to see if we can get the same coverage for less and always end up just going with what we have always had.  To me insurance is confusing and I tend to glaze over once we start talking about it with our insurance person.  After reviewing Aflac’s website and the vast amounts of important information I realized that I have supplemental insurance already…see I told you it’s confusing to me, so much I forgot I had it!  Ever since I was in high school, I have had cancer insurance through Aflac and when I married we converted it to a family plan to cover all of us including the kids.  What I didn’t realize is that there are several other types of supplemental insurance to choose from such as: Accident, Critical Care and Recovery, Hospital, Juvenile, Lump Sum and Life insurance.

Employee Open Enrollment Meetings

My mom found out about Aflac during one of her employee open enrollment meetings.  She signed our family up and for 10 years paid premiums.  When I was in my last year of college, I got a phone call that would change my life forever.  My mother was very sick and had Stage 4 Colon Cancer, I flew to be with her and became her caregiver.  Once she was released from the hospital after surgery and the bills started to roll in and pile up I got concerned.  My parents had insurance but were retired and on a fixed income.  I was looking through her important papers and ran across the Aflac information.  I called them right away to get the ball rolling and I was amazed at how quickly and efficiently our claim was handled.  The checks started to come in and the pressure of the mounting bills started to dissipate.  She said to me one day, “I am so glad I got that insurance”.  She made a full recovery and on her 5 year check up her PET Scan revealed a mass in her lung.  Here we go again, she had lung cancer and had a large portion of one of her lungs removed.  I followed the same procedure as I had the first time and was just as satisfied with Aflac as before and so thankful that all those years ago she got that insurance, who knows where she would be if she hadn’t!  I am happy to report that she recovered from the lung cancer and is living a full life today.  My husband and I have cancer running on both sides of our family, having the Aflac cancer policy is something I will always keep because you never know when it will strike.

I remember when I was working we would have several options when open enrollment was coming up to inform ourselves and make the right insurance decisions.  I was young with no kids and it really didn’t seem important to me but now it’s a whole different ball game.  Open enrollment is so important and you need to arm yourself with all the pertinent information to save you and your family money especially in this economy.  If you are like me and just go with the same plan year after year you are doing yourself and your family a great disservice!  The sad part is, that according to the survey Aflac did on open enrollment a vast majority of people are like me and just go with the plan they had the year before.  My views have changed and I feel like I have a better understanding of supplemental insurance, its purpose and how important your open enrollment period actually is.  After a major review of our insurance use last year, I found out that we didn’t even come close to reaching our deductible.  So this year I chose a plan with a higher deductible and a much lower premium as we basically only go to the Doctor for well or sick visits.  I feel so much better about our insurance plan and about all the money we are saving as well!

I wrote this review while participating in a campaign my Mom Central Consulting on behalf of Aflac and received a promotional item to thank me for taking the time to participate.


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