AFLAC - Supplemental Insurance
8 years post op DS - so darned healthy my life insurance gave me a partial refund on my premium!
There is room on this earth for all of God's creatures..next to the mashed potatoes
on 3/26/10 11:21 am, edited 3/26/10 11:21 am - Lancaster County, PA
I DO know, that as a diabetic, I had something like a 2 year waiting time. Sorry to be so vague, wish I could remember more other than what Val told you.
ETA: Do a google on Aflac and see what you can find.
The hospital policy is pretty cut 'n dried. $xxx per day hospitalized and they don't care why. I had a half day surgery (3 hrs) and they even paid THAT !
I have short term disability, but was denied long term (osteoporosis--remember that when you're whining about taking your calcium 'n D). Again, it paid very well. My ppl are great. I submit one form and they put all the policy numbers that apply to that event. Nice.
I sent the EOB from my insurance re: the hospital and the bill for my copay for the lil eye surgery thing.
RNY, distal, 10/5/94
P.S. My year + long absence has NOTHING to do with my WLS, or my type of WLS. See my profile.
To answer your question - depending on which policy you have with them they DO cover surgery, hospital stay and time off work. I just realized that the money quoted above is for the state of Maine so the price may be different in your state.
Ask me anything - I'm happy to help. PM me if you have sensitive information.
For your disablity, what are the requirements before it kicks in? How many days from the date of injury/disablity to when the plan starts to pay? Sometimes it's 0 meaning immediately and sometimes its 7 or 10 days which is for those who get paid that way and don't need more funds immediately. It pays for 6 months so figure out when it kicks in for you and plan for that. Again the hospital records and doctor report saying when you can return to work should be enough to get that benefit. They are very good about paying claims!
Was that helpful?? If you need more clarity you'll probably need to contact an agent in your area who can go over your policy with you. It's kind of hard to give better information without seeing it.