Aflac Medicare Supplement Review
Our review of Aflac’s Medicare Supplement insurance found several notable advantages: 6.7% more affordable premiums on average, an efficient claims process, up to 7% household premium discounts, and positive customer feedback.
Aflac offers four Medigap plans in select states and is seeking approval to expand coverage options to more states. Additionally, Aflac provides dental insurance and a range of other policy options.
Aflac recently entered the Medicare market by leveraging Aetna’s infrastructure. While there have been negative reviews, Aflac holds an A+ rating from the Better Business Bureau (BBB), showing its dedication to addressing customer concerns.
This review explores why Aflac’s Medigap plans may be an excellent option for those looking to supplement their Original Medicare coverage.
Let’s jump right in.
- Competitive pricing compared to other providers
- Extensive insurance policies, including comprehensive and basic plans
- High financial stability ratings from reputable agencies
- No network restrictions
- Not available in AK, CT, DC, HI, MA, ME, MN, NY or WA
- It may not offer the same additional benefits as other providers
- Plans do not include prescription drug (Part D) coverage
When choosing your Medigap policy, Aflac should be on your radar. It is expected to gain a prominent position in the Medicare Supplement insurance market, showcasing its industry expertise.
Which Medigap Plans Does Aflac Offer?
Aflac offers four types of Medigap plans to help supplement Original Medicare coverage. Each plan is tailored to different needs and budgets, offering varying levels of coverage.
Let’s break down each plan and its key benefits.
Plan G: Most Popular and Comprehensive
Plan G has emerged as the most popular Medigap option in recent years, and for good reason. It offers nearly full coverage for Medicare-approved expenses after you meet the Medicare Part B deductible.
Plan G covers almost all out-of-pocket costs, including:
- Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted.
- Medicare Part B coinsurance or copayment.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayment.
- Skilled nursing facility (SNF) coinsurance.
- Foreign travel emergency coverage (80% up to plan limits).
- Medicare Part B excess charges (the amount that providers can bill above Medicare’s approved amount).
Why Is Plan G Popular?
#1. Predictability: The only out-of-pocket expense with Plan G is the Medicare Part B deductible, which is $257 in 2025. After that, the plan picks up all remaining costs for Medicare-covered services.
#2. Eligibility: Unlike Plan F, Plan G is available to all Medicare beneficiaries, regardless of when they became eligible for Medicare.
#3. Cost-Effectiveness: Many beneficiaries find that Plan G’s lower premiums combined with the modest Part B deductible offer better overall value compared to Plan F, which typically has higher premiums.
Plan N: Lower Premiums, Some Trade-Offs
Plan N provides solid coverage similar to Plan G but comes with some additional out-of-pocket costs. It’s a great option for beneficiaries looking to save on premiums and who don’t mind handling small copayments.
Plan N Covers:
- Part A coinsurance, hospital costs, and skilled nursing facility care.
- 100% of Part B coinsurance, except for a $20 copayment for office visits and a $50 copayment for emergency room visits (waived if admitted).
It is important to note that Plan N does not cover Medicare Part B excess charges (which some providers may bill if they don’t accept Medicare’s standard payment).
Plan N is a great fit for people who are generally healthy, don’t visit the doctor often, and are willing to pay a bit out-of-pocket in exchange for lower premiums.
Plan A: Basic Coverage
Plan A provides minimal coverage and is typically the entry-level Medigap option.
Plan A covers the essential benefits, such as:
- Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted.
- Medicare Part B coinsurance or copayment.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayment.
Plan A is often chosen by those on a tight budget looking for basic coverage and don’t anticipate significant healthcare expenses.
Plan F: The Legacy Plan
Plan F is the most comprehensive Medigap plan, offering everything covered under Plan G plus the Medicare Part B deductible. But, due to Medicare regulations, Plan F is only available to individuals eligible for Medicare before January 1, 2020.
Plan F may have full coverage, including the Part B deductible; however, its premiums are significantly higher than Plan G’s.
Why Plan G Wins
When it comes to Aflac’s Medigap plans, Plan G really stands out thanks to its solid benefits, network flexibility, and predictable costs.
While plans like Plan N and Plan A work well for specific budgets or needs, Plan G offers the best comprehensive coverage and affordability—which is why it’s so popular with Medicare beneficiaries.
If you want near-complete coverage and peace of mind without paying high premiums, Plan G is the way to go.
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Plan Security:
All Aflac Medicare Supplement plans are guaranteed renewable – meaning Aflac cannot cancel your policy if you pay premiums on time.
Does Aflac Have Extra Perks?
Aflac provides additional benefits for its Medicare Supplement policyholders, including:
- Up to 7% household discount for eligible individuals.
- Extra $2 discount per month for applicable monthly EBT payments.
- 24/7 customer service and claims support.
- No network restrictions – choose any doctor or healthcare provider accepting Medicare patients.
- Fast claims processing, with most claims being paid within one business day.
How Does Aflac Compare to Other Top Companies?
When considering Aflac’s Medicare Supplement plans, it’s helpful to compare their premium rates with those of other leading providers to make sure you choose the most cost-effective and comprehensive option for your needs.
Premium rates can vary significantly by provider, even for the same standardized benefits. Exploring these differences can lead to considerable savings.
To help you make an informed decision, we’ve compared the premiums for Medicare Supplement Plan G from Aflac with other major providers, including Aetna, Cigna, and Mutual of Omaha.
Our analysis spans multiple states, giving you a clear picture of how Aflac compares to these competitors in terms of cost and value:
| State | Zip Code | Aflac | Cigna | Aetna | Mutual of Omaha |
|---|---|---|---|---|---|
| Texas | 79936 | $130 | $115 | $174 | $128 |
| Florida | 32507 | $207 | $170 | $225 | $198 |
| Georgia | 30044 | $175 | $148 | $173 | $176 |
| Illinois | 60629 | $170 | $137 | $208 | $144 |
| Actual prices fluctuate based on age, gender, and location. Sample quotes are for a 65 y/o nonsmoking female. | |||||
Next, let’s review some more pros and cons of Aflac’s Medigap plans.
Aflac Medicare Supplement Insurance: Pros and Cons
When it comes to choosing a Medicare Supplement insurance (Medigap) provider, Aflac is one of the newer names in the market.
As someone who has seen many new companies enter the Medigap space, I can tell you that their newness is not a concern of ours. Aflac’s longstanding history in the supplemental insurance industry makes them a strong contender.
Below, I’ll detail the pros and cons of selecting Aflac for your Medigap coverage.
Pros:
Established Reputation in Supplemental Insurance: Aflac has been a household name in supplemental insurance for decades. Their longevity in this space gives them credibility and a proven ability to handle claims efficiently. Many of my clients feel reassured by their strong reputation and history of customer satisfaction.
Competitive Rates: Aflac offers competitive premiums for Medigap plans, making them a great option for those seeking affordable coverage. It’s a solid choice for anyone looking to save on premiums without sacrificing quality.
Satisfied Clients: My clients who have chosen Aflac’s Medigap plans report high satisfaction levels. This positive feedback indicates that Aflac is delivering on its promises of good customer service and efficient claims processing.
Standardized Benefits Across All Medigap Plans: Like all Medigap providers, Aflac’s plans are standardized by law. Whether you choose Plan G from Aflac or another company, the benefits are identical. The standardization ensures you receive the same core coverage, regardless of the carrier.
Cons:
New to the Medicare Supplement Market: While Aflac has a strong reputation in supplemental insurance overall, it is relatively new to the Medigap space. As a result, its track record for rate increases remains uncertain. Having seen many companies start in this market, I’m confident that Aflac’s entry is no reason for concern.
Uncertain Long-Term Stability in Medigap: As a new player in the Medicare Supplement market, it’s challenging to predict Aflac’s long-term commitment to this line of business. However, even if Aflac were to exit the Medicare Supplement market, policyholders are protected by guaranteed issue rights. This means you could transition to another carrier seamlessly without being subjected to medical underwriting.
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My Thoughts:
Aflac’s entrance into the Medigap market has been promising. They bring competitive rates, satisfied clients, and the assurance of standardized benefits. While their newness in the Medigap space presents some uncertainties, their overall reputation and guaranteed issue protections provide peace of mind.
In my experience, Aflac is a solid choice to consider if you’re looking at Medicare Supplement insurance—definitely worth comparing with other carriers.
Does Aflac Offer Dental Insurance?
Aflac’s dental insurance plans are built to cover a wide range of dental services, grouped into three main categories:
#1. Preventive Care: This includes regular check-ups and cleanings, which are key for catching and preventing dental problems early.
#2. Basic Services: Services such as fillings and simple extractions fall under this category, addressing common dental issues that may come up.
#3. Major Services: For more complex procedures like crowns, bridges, and dentures, Aflac provides coverage to help manage these higher-cost treatments.
One of the standout features of Aflac’s dental insurance is the option to add vision and hearing coverage to your plan. This added benefit can save you money and provide peace of mind, knowing that all your basic healthcare needs are covered.
Types of Dental Plans
There are two types of dental plans offered by Aflac:
- Network Dental Insurance: If your preferred dentist is part of Aflac’s network, this plan can offer services at predetermined rates, potentially lowering your expenses.
- Supplemental Dental Insurance: For those who already have a primary dental plan, Aflac’s supplemental insurance provides additional coverage, helping to fill gaps and cover services that may not be included in your existing plan.
It’s important to note that while dental discount plans are an option in the market, Aflac does not offer these. Instead, they focus on comprehensive insurance plans that provide benefits rather than discounts.
Benefits of Choosing Aflac Dental Insurance
No waiting period for preventive care: You can access routine exams and cleanings immediately upon the start of your policy.
Decreasing deductibles over time: Aflac rewards long-term policyholders by reducing deductibles each year.
Increasing annual maximum benefits: The longer you maintain your policy, the higher your annual maximum benefit becomes.
Freedom to choose any dentist: Aflac allows you to work with any dentist, offering flexibility if your preferred provider is outside of their network.
Is Dental Insurance Worth It?
Aflac’s dental insurance plans offer great coverage options beyond the basics. You can add vision and hearing coverage, enjoy decreasing deductibles, and choose any dentist you like.
It’s a solid choice for seniors looking to stay on top of their oral health and overall well-being.
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Additional Offerings:
Aflac also provides accident, critical illness, life, hospital, and short-term disability insurance.
Aflac's Financial Stability
Aflac holds an A+ (Superior) Financial Strength Rating from A.M. Best, indicating its exceptional ability to meet ongoing insurance obligations. Further, the company has been awarded an AA rating from Standard & Poor’s and Fitch Ratings, highlighting its strong capacity to meet financial commitments.
These high ratings testify to Aflac’s financial stability and ability to offer its policyholders reliable coverage.
Are Policyholders Satisfied With Aflac?
Customers praise Aflac’s responsive service, quick claims process, and user-friendly digital platforms. While there are some negative reviews, the positive reviews and ratings highlight Aflac as a reliable and customer-centric insurance provider.
Aflac is consistently recognized for its high standards of customer service. It has an A+ rating from the Better Business Bureau (BBB), demonstrating its commitment to addressing customer concerns.
How Do I Enroll in an Aflac Medicare Supplement Plan?
To enroll in an Aflac Medigap plan, you can either call Aflac directly or work with us – we’ll handle the entire process for you from start to finish.
Here’s what you’ll need to apply:
- Your Medicare Claim Number
- Date of Birth
- Address
- Phone Number
- Preferred Payment Method
Most people choose to set up their premiums using an auto bank draft, which ensures your payments are always on time and eliminates the worry of late payments.
Once we submit your application, we’ll track it throughout the enrollment process and notify you as soon as the policy is effective. Typically, it takes about 7 to 10 days from that point to receive your policy documents and ID cards in the mail.
Bottom Line
Overall, Aflac is positioned well to be a major player in the Medicare Supplement insurance market and is worth considering when choosing your Medigap policy.
Aflac offers a variety of Medigap plans, but as a newcomer to the Medicare Supplement insurance market, their policies are not available in all states. Their Medigap plans also do not include prescription drug coverage.
We’re here to help you navigate your options and find the best plan for your needs. Contact us today to learn more about Aflac and other top providers in your area.
Sources: Aflac | Customer Reviews | Medigap Basics | Aflac Expansion
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Bonus Trivia:
- The Aflac duck, famous for its humorous commercials passionately quacking the company’s name, also supports a noble cause. Aflac sells plush versions of the mascot to raise funds for pediatric cancer treatment and research.
FAQs
- Is Aflac a reputable company?
- Are Aflac Medicare Supplement plans available nationwide?
- Can I choose any doctor or healthcare provider with an Aflac Medicare Supplement plan?
