AFLAC Secondary Insurance

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  • marijen
    marijen Member Posts: 3,731
    edited March 2018

    Phillyfood signed in made pne post and hasn’t been here since that same day.

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  • Ckr2085
    Ckr2085 Member Posts: 1
    edited May 2018

    I have the cancer policy and just had Ductal Carcinoma in SITU removed in surgery. I won't be doing radiation or anything since it's a stage 0 non invasive cancer. My question is, does the policy pay in ANY cancer circumstance or is it a case by case basis? Seems a little unfair to cash in when my primary insurance covered the testing and surgery when I won't be doing any other treatment. When there are others out there worse off in need of it more, I just feel like I can’t accept with a clear conscience.


    Also- in case of reoccurrence does the policy pay wth EVERY new diagnosis

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  • Moderators
    Moderators Member Posts: 25,912
    edited May 2018

    Ckr2085, we can't really help you with your question, but wanted to say: Hi, welcome to Breastcancer.org! Hope somebody comes along soon to help you find the information you need.

    Wishing you the best!!!

    The Mods

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  • jacee
    jacee Member Posts: 1,384
    edited July 2018

    I don't think my Aflac policy covers DCIS, but you definitely should check. Don't feel bad about getting the benefits. That is what you pay for! It is an added benefit above and beyond your health insurance. So, even if your medical covers all expenses, you still get your benefit.

    In case of reoccurrence, my policy only pays the initial benefit once per lifetime. (So with itiatial diagnosis) However, other benefits are payable whenever they occur...like chemo, radiation, hospital confinement, etc.

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  • grandmaadams
    grandmaadams Member Posts: 70
    edited October 2018

    Hi Everyone - AFLAC cancer insurance has definitely been a blessing. Everyone here should know that every few years AFLAC updates/changes the cancer plan. Unless you upgrade/convert your policy, your benefits and premiums stay the same as when the policy was issued. My plan issued in 2004 does not have the same benefit payout as the ones offered today. Also, the benefits paid will depend on the level of coverage you purchased. If you have any questions about your plans, call AFLAC Customer Service 1-800-992-3522. You'll get an automated voice system, just keep hitting "0" until you get a human being. They can answer any question about your policy and send you a duplicate if you need one. I was an AFLAC agent for 25 years, retired January 2018 and was diagnosed May 2018, just started radiation this week. Good luck to all.

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  • grandmaadams
    grandmaadams Member Posts: 70
    edited October 2018

    CKR2085 I was an AFLAC agent for 25 years, retired January 2018 and was diagnosed May 2018. You should absolutely file your AFLAC claim. Send in your pathology report and surgical notes. Breast cancer is considered internal cancer and will pay out the first occurrence benefit. Even if you have a skin cancer and the doctor removes it in his office, there is a small surgical benefit. You paid for the insurance, you NEED to file the claim. I can guarantee you that no one else will benefit from the monies you leave behind. In the event of a recurrence, the only benefit that won't pay again is the first occurrence ... surgery, radiation, chemo, reconstructive surgery, travel, etc will continue to pay. You'll be better off in the event of a recurrence to have filed the original claim.

    jacee All cancers are covered with an AFLAC cancer policy. The benefits will depend on the services rendered.

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