AFLAC Secondary Insurance

Rose12

My employer is getting ready to offer a Disability and Aflac Cancer policy. Does anyone else have the Aflac Cancer policy? Should I sign up for both. Newly diagonised in Feb. Does anyone know if I will be able to enroll now that I have a pre exisisting cancer? Would like to hear from anyone who uses the Aflac cancer policy and how it works. Is it only for if I am in the hospital? I have had 2 outpatient surgeries. Does it cover outpatient surgery as well?

Chickadee

I don't have this but doesn't your employer's HR department have someone versed in this new benefit. At least they should have sent you a packet of information, these decisions are complicated.

stacyk

I have an Aflac insurance policy for cancer and it is well worth it!!!

The only thing is, I don't think they will allow you to get it if you have already been diagnosed. I think you have to be cancer free for 5 years or something to purchase a new policy.  If you can get it, I would highly recommend it! Good luck to you. 

anna4969

Hi Rose

I am pretty sure Stacyk is correct about not being eligible until 5 years cancer free.  We had the opportunity to take AFLAC 4 months before I was diagnosed and declined.  Don't think I'm not kicking myself daily for that stupid mistake.  So...this year when enrollment rolled around, I called the Aflac rep who was handling the enrollment for my husbands company and was clearly told by her that I needed to be cancer free for 5 years and then I could get the policy.  Unfortunately, I think you might be out of luck and that is really ashame because, after reading some other ladies posts that do have it, it sounds like a godsend.

Keeping the Faith

J9W

I have AFLAC and they are awesome.  StacyK, do you take tamoxifen?  If so, the policy I have with Aflac pays me a montly amount for being on that drug.  Well, I only took it for 11 months and then quit it but they paid me for those 11 months.

jacee

I got the Aflac policy a year before my diagnosis. I agree, what a Godsend!!! They do pay each month you areon oral chemotherapys ( Femara, tamoxifen, etc). They paid mileage or airfare to travel for all 3 of my DIEP surgeries in Charleston and tattoos in NOLA. Also paid hotel benefits. I also got an Allstate cancer policy a year after diagnosis. It will pay benefits for any cancer after I have been treatment-free for a year. Since I am on Femara, that will be another 2 1/2 yrs at least. I tell everyone I can to please get a cancer policy, before it is too late!

Tammy2012

I have Aflac and I love it!  I have 3 policies with and I recommend it to everyone!  

dgreat30

I am curious Jacee If I never been diagnosed for Cancer until one year after I paid into the Cancer policy will they pay if they found something one year later? or two year later?

Rose12

I have the Aflac policy through my employer, I got after my cancer diagnoisis. The rep told me that they will not cover anything that is issue related to my cancer. If it has something to do with my breast cancer it will not be covered. I think I had a 1 year waiting period. But....... I think with the new Obama care pre existing policy that is suppose to take effect, I will then have coverage. Does anyone know about the pre existing new law that is suppose to take effect? 

jacee

Dgreat30...if you have the policy before your diagnosis, it should pay benefits to you.

dgreat30

I was told that you have a waiting period of thirty days or 2 years? I am not sure which is accurated? do you know anything about it Jacee? thank you.

Tamiami

dgreat30~  There is a 30 day waiting period after you start paying into it...my biopsy (dx) was 34 days later and there has never been a problem.

Tamiami

jacee~  Good to know about the travel benefit...planning on tatts in NOLA.  Thanks!

Beatmon

Aflac is not health insurance. It will not change with Obama care. There are other options available with Aflac other than just the cancer policy. They wouldn't cover my husband cardiac, but paid hospitalization, anesthesia etc, since his heart problem was preexisting. Sign up for whatever you are eligible for. Beatmon

Rose12

Ok thank you, I think I understand now. I don't necessarily need the cancer policy. I do not know what other policies there are, but I will look into it. Thank you so much.

dgreat30

Thank you Jacee and Tamiami and Beatmon. Your information was very helpful. I will go forward and purchase this policy. I wish all for good health for us all. 

Teen22

I am newly diagnosed and all of you have been helping me through this unbelievable ride. I have been spending countless hours researching every detail pertinent to this dreaded disease and the information I am reading is invaluable. Thank you all!



I too have purchased the AFLAC cancer policy back in 2010 as my sister had BC. It's good to have only as a "supplemental benefit". My husband and I pay a total of $65 monthly (total) which translates to approximately $780 per year. We are both age 56.



Here's the pdf copy of the actual policy. Copy/paste to your url for the fine details.



https://secure.spidermed.com/isd/pdfs/companies/aflac/CancerCoverage.pdf



Tight hugs for all...

catstopme7

Hope you are doing well in your Journey Teen22. I too have an AFLAC Cancer Policy (purchased pre-diagnosis). It has been very helpful, HOWEVER- be very wary of the fine lines and what it does and does not say. It is very biased toward very traditional courses of treatment. It does NOT cover any physical therapy visits which are quite necessary after mastectomy to help with strengthening and preventing scar tissue from sitting in prior to final augmentation process (if one chooses to do so). The staff they have processing claims, from experience are not qualified to be making the determinations they are making. While I HAVE been paid, I have been underpaid, overpaid, still not paid for everything, and rather than communicating with me after two letters to them for clarification of what they have paid, I do not get a written reply. I FINALLY received payment for lymph node removal (it's own separate benefit in policy). Initially I was told it was same scar as mastectomy, so un-payable. Then the paid other things not paid mentioned in my letter, didn't pay others, and still did not pay for lymph node removal. After yet ANOTHER (certified) letter, I got a check for this procedure, and STILL no communication as to what they have paid as I have asked twice. HOW they are paying with double mastectomy as tx. is really up in the air in my experience at this point. (This was NOT prophylacticly either) AGAIN, It has been helpful. I believe without my experience in the health care field I may not have been paid correctly, possibly ever. Do the homework.

Teen22

Cats, Thank you! So far, AFLAC has been nothing but good to me and have been amazed with the benefits i have recieved. Radiation treatment is $300 per day, hormonal therapy is covered at $300 per monthly prescription, $900 for surgery, $300 per day in the hospital, etc. What a blessing to have had this policy!

We usually fax our claims and follow it up with a phone call after a week. What I have found is that if you submit your claim/ paperwork, you should make every attempt to make it easily comprehended by their processor. Reference your Name, policy #, Date of Loss/procedure and if at all possible what the procedure is and where it is covered under the policy. Fortunately, I have only had one problem with claims processing from a very rude man who sounded like he did not like to work any longer I immediately halted our conversation, told him what i thought of him and asked to speak with his supervisor Problem solved!

PS - luckily, i have purchased every policy imaginable prior to my diagnosis. My co-workers teased me for being an "insurance sucker" .....thank God I did - as it has paid off.

Hugs...

rengeko

well, crap-i didn't realise that the axillary node dissection was an additional benefit.  i wonder if they will pay it now, 16 months later?

Teen22

I don't see any reason why they wouldn't.  Just fax the paperwork/proof and you should get your check in a few days.  Do you know that anti-nausea medication is also a benefit?  It pays $150 per script.  Loke I said, this AFLAC cancer policy has been a blessing.

Tankweti

My employer also offered AFLAC cancer policy, dental and hospital. I already had the dental since 2006. Bought hospitalization. Debated cancer policy but decided against as I was only part time and couldnt afford all the premiums.3 months later I was diagnosed with breast cancer. AFLAC tells me I wont be eligible for it again til I am 5 years no evidence of disease. My employer replaced me after 3months out and made the position perdiem no benefits because tbey saw a chance to do it. I worked for a hospital. Now even after 5 years I wont have access to buy it unless I work for another employer who offers it. Thevplan pays out thousands of dollars to you. I made s foolish mistake thinking I wouldnt get cancer.

I_Spy

Tankweti you can buy Aflac cancer policy directly from an agent. In other words, you don't need to be working for an employer who offers it. I am self-employed, and I pay the AFLAC policy premium each month directly to the company. So you can still get it!

lrash1167

Anyone know if AFLAC will pay out for LCIS??

Tamiami

It did for DCIS.

calidancer

Interesting. My Chesapeake policy only paid out 5k for in situ vs. 20k for invasive. Was still quite helpful as we have a high deductible /coinsurance plan.

Debib61

I have a question... does anyone know if the Breast cancer insurance covers BRAC patients?

jacee

Calidancer...when you say "covers BRCA patients", do you mean those without a cancer diagnosis, yet test positive for the gene? I believe my AFLAC cancer policy only covers once a cancer diagnosis has been made

phlfoodadventures

Hi All, This is my first post here. I invested in an AFLAC plan about a year before my diagnosis and I am very glad I did. Before I purchased I made sure to get confirmation in writing that I would be covered regardless of my BRCA status. I am in the process of submitting for my claims and it took some time to fully understand what I was entitled to. I am listing all the services I am submitting for here and hope it can be helpful for others to get every dollar possible!

• Core Needle Biopsy at NCI Designated Hospital ($100)
• Breast Cancer Diagnosis at Jefferson Hospital - Invasive Ductal Carcinoma ($4,000)
• follow up evaluation MRI ($135)
• Consultation at NCI Designated Hospital as a result of diagnosis with Oncologist ($500)
• Additional surgical opinions at NCI designated Cancer Center concerning surgery ($200 x2)
• Double mastectomy ($500)
• Lymph node dissection ($115)
• two night hospital stay at Hospital ($400)
• Cycle of pre chemotherapy egg preservation at ($1000)
• Outpatient surgery to replace tissue expander leak and to place port in chest ($200)
• injected chemotherapy treatment ($600 x 4)
• Anti Nausea prescribed and taken for injected chemotherapy ($100 x 2)
• Breast Reconstruction ($2,000)
• Non Surgical Prosthesis: hair weave ($175)

total will hopefully be $12,000

been collecting a lot of other financial and practical tips all in one single blog post over on my website

Mrsmcg

Only got 3k for invasive from my AFLAC policy. I had it for 2 years before my diagnosis. The policy had a $500 added per year, otherwise I would have only gotten $2000. No one told me about the Tamoxifen benefits. I have been taking it since August 2017!

Mrsmcg

I am definitely going to have to check with my agent! She told me that some of those listed items weren't covered - such as consult with oncologist, additional 2nd opinion.