Aflac Medicare Supplement Review
Aflac, widely known for supplemental workplace insurance (and its iconic duck), has recently entered the Medicare Supplement (Medigap) market. Their Medigap plans aim to offer traditional coverage with added wellness benefits and national brand trust.
After evaluating Aflac and its Medicare Supplement offerings, we have found that its customer service is highly responsive, its claims process is efficient, and its premiums are, on average, more affordable by up to 5% (on average) compared to its competitors.
In addition, policyholders have expressed satisfaction with optional dental and vision coverage (available for an additional premium) and household premium discounts for eligible individuals.
While there are some negative reviews, Aflac’s A+ rating from the Better Business Bureau (BBB) shows its commitment to addressing customer concerns.
Let’s jump in and review Aflac’s offerings in more detail.
Our Aflac Evaluation:
| Pros | Cons |
|---|---|
| Trusted brand with a strong reputation for reliability and customer service. | A newcomer in the Medicare Supplement market |
| Coverage options are extensive and include both comprehensive and basic plans | Mixed feedback on review sites |
| Some Aflac Medigap plans include non-standard perks such as health and wellness discounts, hearing, vision, and dental discounts, and fitness program access (varies by state) | Availability varies, and certain plans may not be offered in your area |
| Generous household discount opportunities | Prescription drug coverage is not provided |
Overall, our research indicates that Aflac is a strong option for those seeking a Medigap policy, as they are set to make a big impact in the Medicare Supplement insurance market and gain prominence.
What Medigap Plans Does Aflac Offer?
Aflac offers a selection of Medicare Supplement (Medigap) plans designed to help cover out-of-pocket costs that Original Medicare (Parts A and B) does not pay, such as copayments, coinsurance, and deductibles.
These plans provide financial protection by reducing the burden of unexpected medical expenses, ensuring beneficiaries have predictable healthcare costs.
Let’s walk through their most popular Medigap plans together.
Medigap Plan G: Most Comprehensive
Plan G is one of the most comprehensive and widely chosen Medicare Supplement options. It covers almost all gaps in Original Medicare except for the Part B deductible ($257 in 2025).
Plan G covers:
- Part A hospital coinsurance and an additional 365 days of hospital coverage after Medicare benefits are exhausted.
- Part B coinsurance (typically 20% of outpatient costs).
- Blood (first three pints per year).
- Part A hospice care coinsurance.
- Skilled nursing facility (SNF) coinsurance.
- Medicare Part A deductible ($1,667 in 2025).
- Foreign travel emergency coverage (80% up to plan limits).
In a nutshell: Plan G is ideal for individuals who want comprehensive coverage, predictable out-of-pocket expenses, and minimal financial risk when accessing healthcare.
Medigap Plan N: Cost-Effective Alternative
Plan N offers lower monthly premiums than Plan G but requires some cost-sharing when receiving medical services.
Plan N covers everything that Plan G does except:
- Part B excess charges (which some doctors may charge if they do not accept Medicare’s approved rates).
- Copays of up to $20 for doctor visits and up to $50 for emergency room visits (waived if admitted).
Like Plan G, Plan N also does not cover the Medicare Part B deductible.
In a nutshell: Plan N is a good option for those willing to pay small copays in exchange for lower monthly premiums and who primarily visit providers that accept Medicare assignment (to avoid excess charges).
Medigap Plan A: Basic and Budget-Friendly Option
Plan A provides the most basic level of Medigap coverage and is available in most states.
Plan A covers:
- Part A hospital coinsurance and an additional 365 days of hospital coverage after Medicare benefits are exhausted.
- Part B coinsurance or copayments.
- Part A hospice care coinsurance.
- First three pints of blood for a transfusion.
Plan A does not cover:
- Medicare Part A deductible.
- Skilled nursing facility coinsurance.
- Medicare Part B excess charges.
- Foreign travel emergency coverage.
In a nutshell: This plan is ideal for individuals who want basic coverage at a lower cost, do not require extensive benefits, and prefer a more budget-conscious approach.
How to Choose the Right Aflac Medigap Plan
Aflac’s Medigap plans help beneficiaries gain financial stability and peace of mind by covering many of Medicare’s out-of-pocket expenses.
When selecting a Medigap plan, consider the following:
| Premium Costs: Plan G offers the most coverage but has higher premiums, while Plan N and Plan A provide cost savings with some out-of-pocket responsibilities. |
| Medical Needs: If frequent doctor visits or hospital stays are anticipated, Plan G may offer the best protection. Plan N or A might be better choices if medical needs are minimal. |
| Doctor Preferences: Those who visit providers that charge Medicare excess fees should avoid Plan N, as it does not cover these charges. |
| Medical Needs: If frequent doctor visits or hospital stays are anticipated, Plan G may offer the best protection. Plan N or A might be better choices if medical needs are minimal. |
Before enrolling, compare premiums and benefits to ensure the plan aligns with your healthcare needs and budget.
Additional Medigap Benefits With Aflac
Aflac offers extra perks to its Medicare Supplement policyholders, which include:
- Premium discounts for eligible individuals residing in the same household
- Guaranteed renewable policies
- 24/7 customer service and support for claims
- Unrestricted freedom to choose any doctor or healthcare provider who accepts Medicare patients
- Expedited claims processing, with most claims paid within one business day
- Additional dental and vision coverage for an extra premium
How Much Do Aflac Medigap Plans Cost?
If you’re considering Aflac’s Medicare Supplement (Medigap) plans, it’s crucial to compare premium costs with other providers to ensure you get the best value.
The table below provides a side-by-side comparison of monthly premium rates for a 65-year-old male non-smoker residing in TX zip code 75034, with no household discounts.
| Medigap Plan | Aflac | Mutual of Omaha | Cigna | Aetna |
|---|---|---|---|---|
| G (Most Popular) | $180 | $159 | $167 | $220 |
| F (First-Dollar Coverage) | Not offered at this age | Not offered at this age | Not offered at this age | Not offered at this age |
| N (Lower Premium, Cost-Sharing) | $128 | $121 | $121 | $151 |
| A (Basic Coverage) | $173 | $159 | $164 | $178 |
Premium Analysis:
- Aflac’s Plan G is 12% more expensive than Mutual of Omaha and 22% cheaper than Aetna.
- Plan N, known for lower premiums but requiring copays, is Aflac’s most budget-friendly option at $128/month.
- Plan A offers the most basic coverage and is also somewhat competitively priced, coming in at 3% lower than Aetna.
State-Specific Pricing Differences
While Aflac’s premiums tend to be lower nationwide, savings vary depending on the state.
Here’s a breakdown of how Aflac’s Medigap plans compare to competitors in select states:
- Texas: 7% lower than competitors on average
- Florida: Similar to competitors on average
- Georgia: 9% higher
- Illinois: 7% lower
These percentages reflect the average cost difference between Aflac and major Medigap providers in each state.
Remember: Prices can fluctuate due to state regulations, community-rated vs. attained-age pricing models, and other underwriting factors.
Aflac’s Ratings and Reputation
Aflac is well-known for its strong brand recognition and financial stability, but it is a relatively new player in the Medigap market compared to long-standing companies like Mutual of Omaha and Cigna.
Despite this, early reviews indicate that Aflac provides competitive pricing and reliable claims processing.
- Aflac has an A+ rating from the Better Business Bureau, reflecting its strong commitment to resolving consumer complaints and high business standards.
- Aflac maintains an A+ (Superior) rating from A.M. Best, which indicates excellent financial strength and ability to meet insurance obligations.
- In 2017, Aflac ranked 126th on the Fortune 500, demonstrating significant market presence.
- Aflac also ranked 91st on Fortune’s list of best companies, highlighting its reputation for excellence and quality service.
These impressive high ratings serve as a testament to Aflac’s financial stability and commitment to providing policyholders with dependable coverage
Does Aflac Offer a “Free Look” Period?
Yes, Aflac offers a 30-day free look period for its Medicare Supplement (Medigap) plans. This is a standard feature required by federal Medigap regulations.
The free look period allows you to review your policy and cancel it for any reason within 30 days from the date it becomes effective. If you choose to cancel during this window, you are entitled to a full refund of any premium payments made, provided that no claims have been filed.
You can contact Aflac by phone or send a written notice to initiate cancellation. It is recommended that you request written confirmation of the cancellation for your records.
If you are switching from another Medigap policy, do not cancel your existing coverage until your new Aflac policy is active and you want to keep it. During the overlap, you may be responsible for paying both premiums, but this ensures continuous coverage if you decide not to keep the new policy.
Are Mental Health Services Covered?
Yes, Aflac Medigap plans cover mental health services, as long as Medicare approves those services.
Medicare Part B covers outpatient mental health services such as counseling, therapy, and psychiatric evaluations. It also covers partial hospitalization services through a hospital outpatient program. Aflac Medigap will pay for the Part B coinsurance or copayments that Medicare does not cover.
If you receive inpatient mental health care in a general or psychiatric hospital, it is covered under Medicare Part A. Aflac Medigap plans, such as Plan G, will cover the Part A deductible and coinsurance associated with this type of care.
In addition, Plan G covers Part B excess charges, which may apply if a provider does not accept Medicare assignment and is allowed to bill more than the Medicare-approved rate. Some states do not permit these excess charges, so it is important to check with your provider.
Aflac Medigap does not cover services not approved by Medicare, such as alternative therapies, non-medical counseling, or services provided by unlicensed practitioners. To qualify for Medigap coverage, all mental health services must be provided by Medicare-approved providers.
Does Aflac Offer Other Supplemental Plans?
Yes, in addition to Medicare Supplement plans, Aflac provides a broad portfolio of supplemental insurance policies designed to help individuals and families manage out-of-pocket medical expenses and financial hardships resulting from illness or injury.
Aflac’s supplemental offerings include:
| Accident Insurance – Provides financial benefits to help cover medical expenses, lost wages, and other costs resulting from accidental injuries. Whole Life and Term Life Insurance – Offers financial protection for beneficiaries by providing a death benefit, with whole life policies including cash value accumulation. Cancer Insurance – Helps policyholders manage the high costs associated with cancer treatment, including chemotherapy, radiation, surgery, and hospital stays. Dental and Vision Insurance – Covers routine and specialized care, such as preventive cleanings, orthodontics, eye exams, glasses, and contact lenses. Critical Illness Insurance – Pays a lump sum benefit if diagnosed with serious conditions like heart attack, stroke, or organ failure, helping to cover medical and non-medical expenses. |
These plans work alongside traditional health insurance and Medicare to help fill financial gaps by covering costs that primary insurance may not fully address.
Bottom Line
If you’re looking for a Medicare Supplement insurance policy, Aflac is a provider you should consider.
Aflac has quickly established itself as a noteworthy entrant in the Medicare Supplement (Medigap) insurance space. While better known for its workplace accident and supplemental policies, Aflac now offers standardized Medigap plans that are backed by a trusted national brand and strong financial ratings.
Its plans, including the widely chosen Plan G, come with comprehensive coverage, responsive customer service, and efficient claims processing.
Aflac’s premiums are competitively priced in many regions, often 5% more affordable than comparable plans from established competitors.
Policyholders have also responded positively to optional add-ons like dental and vision coverage, available for an extra premium, and household premium discounts.
The company’s A+ rating from the Better Business Bureau and A.M. Best reinforces its reputation for service excellence and financial strength.
While Aflac is still building its presence in the Medigap market, its offerings are robust and aligned with industry standards. State-by-state availability and pricing variation may affect accessibility, but the added wellness benefits and supplemental support provide added value beyond traditional Medigap coverage.
If you need any help, our team of licensed insurance agents is happy to help you navigate your options and find the best Medigap plan for your needs.
Sources: Medigap Info | Aflac Medigap Expansion
FAQs
No, all Aflac Medicare Supplement plans are guaranteed renewable annually upon timely premium payment.
Eligibility for Aflac’s Medicare Supplement plans is primarily based on age and enrollment in Medicare Parts A and B. Individuals 65 or older enrolled in Medicare Parts A and B can apply for these plans.
No. Medigap policies cannot be paused; they must be canceled if you no longer want to pay premiums. If you later lose employer coverage, you may be eligible for guaranteed issue rights to re-enroll – but not necessarily with Aflac.
While Aflac’s core Medigap plans follow Medicare’s standardized coverage, in some states, Aflac may include virtual care access as part of its value-added benefits. These perks are not Medicare-regulated and may change based on your zip code.
Yes. Aflac typically allows ACH (automatic bank draft), credit/debit cards, and mailed checks.
You may even receive small discounts when choosing electronic billing.
Yes. Aflac Plan G will cover the Part A coinsurance for hospice, including facility- and home-based hospice care, as long as Medicare has approved the services.
