Aflac
Because of your credit union membership, you can now obtain
individually-owned health insurance policies. Aflac plans are a perfect
complement to your major medical coverage since claim checks may be used to help
cover escalating deductibles and co-payments, out-of-pocket costs, everyday
living expenses - even lost income.
Best of all, with Aflac, you gain full control over the policies' cash benefits
- receive the money directly or assign it to others. Unlike other health
insurance plans, there are no pre-certification concerns, no network limitations
and no coordination of benefits. (All policies pay in full regardless of any
other insurance you may have and often within 4 business days.)
Empowering you in times of financial need with superior plans and services. just
one of the many reasons why Aflac has been named to Fortune magazine's list of
America's Most Admired Companies (March 16, 2009).
Aflac. another great advantage of credit union membership! Join our family of
more than 40 million people worldwide today.
Click on the icon to the right to get more information.
 OUT-OF-POCKET
MEDICAL EXPENSES |
| While health insurance pays most of the doctor and hospital bills, there are usually hundreds of dollars of deductibles and co-payments (including those for prescription drugs) left over. Plus, if you're in a managed-care plan and go outside the approved network, there could be additional charges. |
| LOSS
OF INCOME |
| Meeting everyday financial obligations while incurring treatment-related bills is difficult - particularly if you are not able to earn a paycheck. In dual-income households, the financial consequences can be doubly stressful if the healthy spouse is forced to leave work to care for the recuperating partner. |
| OTHER
INCIDENT-RELATED COSTS |
| Getting sick or injured has financial consequences beyond the medical bills, including such out-of-pocket costs as: |
|
| Plus, everyday living expenses still have to be met, like: |
|
**this section courtesy of AFLAC**
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