Listing your child on your health insurance plan goes a long way to support good health while helping protect you financially. However, traditional health insurance for children doesn’t typically cover everything. For example, they may have gaps in coverage for accidents and critical illness. Fortunately, supplemental health insurance policies can help ensure your children are better protected. This article will dive into several supplemental health coverage options for your children to help guard them against health issues.
1. Dental insurance
Early childhood is a crucial time for dental development. Good oral health during childhood can help prevent various issues, from gum disease to tooth pain. A dental insurance policy helps you cover the costs of preventative care, so you can keep your children’s teeth and gums clean while catching any problems early. It can also help reduce the costs of basic and major services, if needed. Some policies may offer orthodontic options for children as well. This can help you bring down the costs of those types of treatments.
2. Vision insurance
Having good vision isn’t just convenient. It can also be crucial to your child’s academic performance and overall quality of life. If your child struggles to see in school, they may fall behind academically and socially.
Vision insurance offers a low-cost way to help keep your child’s eyes healthy and help ensure they have what they need to correct vision problems. This type of policy can help with the costs related to their vision care. As a result, your child may not have to deal with poor vision and the accompanying consequences.
3. Accident insurance
Health insurance can help cover health-related costs in case your child gets injured in an accident, such as a sports injury, while playing with others, or even a car accident. However, it may exclude certain expenses or not provide coverage for expenses such as copays, deductibles and cost-sharing related to emergency costs.
Accident insurance can help close these gaps by paying out a cash benefit if your child suffers a qualifying accident. For example, you may need to take time off work to spend time with your child in the hospital. You can use your benefits to help with expenses while you’re out of work. Regardless of use, this type of supplemental policy may allow you to better focus on your child’s recovery rather than the stress of medical bills.
4. Critical illness insurance
Critical illness insurance can pay out a lump sum benefit if your child is diagnosed with a qualifying illness. Many known diseases and procedures cost substantial amounts, so critical illness insurance can help reduce this financial burden.
Like accident insurance, you can use critical illness insurance benefits as you see fit. For instance, you can use them to help cover out-of-pocket costs that may not be covered by medical insurance for costly procedures or to help with expenses while you’re out of work. No matter how you use the benefit, it can help reduce financial strain so you can focus on assisting your child’s well-being and recovery.
The bottom line
Supplemental health insurance policies offer additional coverage options to best meet your needs and can help fill gaps in traditional health plans. Dental and vision insurance can help ensure your child maintains good oral health and vision. Meanwhile, accident and critical illness insurance policies help ease the financial burden of paying for accident or critical illness care so you can be there for your child. It’s wise to weigh your budget and anticipated health coverage needs to determine which policies are best for your situation.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Aflac Coverage:
Accident, A36000 series: In Delaware, Policies A36100DE—A36400DE, & A363OFDE. In Idaho, Policies A36100ID–A36400ID, & A363OFID. In Oklahoma, Policies A36100OK– A36400OK, & A363OFOK. In Virginia, Policies A36100VA – A36400VA, & A363OFVA. A37000 series: In Delaware, Policy A371AA & A371BA. In Idaho, Policy A37000ID. In Oklahoma, Policy A37000OK. In Virginia, Policies A371AAVA & A371BAVA. A38000 series: In Delaware, Policies A38100DE – A38300DE & A382OFDE, In Oklahoma A38100OK – A38300OK & A382OFOK.
Critical Illness/Specified Health Event, A74000 series: In Delaware, Policies A74100DE, A74200DE, A74300DE. In Idaho, Policies A74100ID, A74200ID, A74300ID. In Oklahoma, Policies A74100OK, A74200OK, A74300OK. In Virginia, Policies A74100VA, A74200VA, A74300VA. A73000 series: In Delaware, Policies A73100DE & A7310HDE. In Idaho, Policies A73100ID & A7310HID. In Oklahoma, Policies A73100OK & A7310HOK. In Virginia, Policy A73100VA & A7310HVA. B71000 series: In Delaware, Policies B71100, B71200, B7130H & B7140H. In Oklahoma, Policies B71100OK & B7110HOK.
Dental, A82000 series: In Delaware, Policies A82100R–A82400R. In Idaho, Policies A82100RID–A82400RID. In Oklahoma, Policies A82100ROK–A82400ROK. In Virginia, Policies A82100RVA–A82400RVA.
Vision, VSN series: In Delaware, Policy VSN100. In Idaho, Policy VSN100ID. In Oklahoma, Policy VSN100OKR. In Virginia, Policy VSN100VA.
Aflac coverage underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Tier One Coverage:
Accident, T37000 series: In Delaware, Policy T37000. In Idaho, Policies T37100ID, T37200ID, & T37300ID. In Oklahoma, Policy T37000OK. In Virginia, Policies T37100VA, T37200VA, T37300VA, T37400VA & T37600VA.
Critical Illness, T71000 series: In Delaware, Policy T71000. In Oklahoma, Policy T71000OK. In Virginia, Policy T71100VA.
Dental, Vision and Hearing: In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. Not available NY or VA. Dental claims are administered by SKYGEN USA, LLC. Vision claims are administered by EyeMed Vision Care, LLC. Hearing claims are administered by Nations Hearing. NOTICE: The coverage offered is not a qualified health plan (QHP) under the Patient Protection and Affordable Care Act (ACA) and is not required to satisfy essential health benefits mandates of the ACA. The coverage provides limited benefits.
Tier One coverage is underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations, and exclusions.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999
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