Aflac Medicare Supplement Review
After evaluating Aflac and their Medicare Supplement offerings, we have found that their customer service is highly responsive, their claims process is efficient, and their premiums are, on average, more affordable by 7% compared to their 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.
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 |
| Generous household discount opportunities | Prescription drug coverage is not provided |
| 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.
Popular Medigap Plans from Aflac
- Medigap Plan G – The Most Comprehensive Option
- Coverage: 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).
- What It 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).
- Who It’s Best For: 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 – A Cost-Effective Alternative
- Coverage: Plan N offers lower monthly premiums than Plan G but requires some cost-sharing when receiving medical services.
- What It Covers:
- Covers everything that Plan G does except:
- The Medicare Part B deductible.
- Part B excess charges (which some doctors may charge if they do not accept Medicare’s approved rates).
- Requires copays of up to $20 for doctor visits and up to $50 for emergency room visits (waived if admitted).
- Covers everything that Plan G does except:
- Who It’s Best For: 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 – A Basic & Budget-Friendly Option
- Coverage: Plan A provides the most basic level of Medigap coverage and is available in most states.
- What It 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.
- What It Does Not Cover:
- Medicare Part A deductible.
- Skilled nursing facility coinsurance.
- Medicare Part B excess charges.
- Foreign travel emergency coverage.
- Who It’s Best For: 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
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. If medical needs are minimal, Plan N or A might be better choices.
- Doctor Preferences: Those who visit providers that charge Medicare excess fees should avoid Plan N, as it does not cover these charges.
- Budget Flexibility: If you prefer lower monthly premiums with some cost-sharing, Plan N is a good middle ground. If you want the most predictable costs, Plan G is best.
Aflac’s Medigap plans help beneficiaries gain financial stability and peace of mind by covering many of Medicare’s out-of-pocket expenses. 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?
Aflac’s Medicare Supplement Plans: A Competitive Pricing Analysis
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. Medigap plans help cover out-of-pocket expenses like copays, coinsurance, and deductibles that Original Medicare doesn’t pay for.
After a detailed analysis of the most popular Medigap plans offered by Aflac, Mutual of Omaha, Cigna, and Aetna, we found that Aflac’s premiums are, on average, about 7% lower than competitors. However, actual savings vary depending on the specific plan and geographic location.
Medigap Plan Cost Comparison
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) | $119 | $123 | $134 | $141 |
| F (First-Dollar Coverage) | $145 | $172 | $178 | $179 |
| N (Lower Premium, Cost-Sharing) | $90 | $93 | $93 | $99 |
| A (Basic Coverage) | $119 | $126 | $142 | $128 |
Key Takeaways:
- Aflac’s Plan G is 3.3% cheaper than Mutual of Omaha and 15.6% cheaper than Aetna.
- Plan F, which is no longer available to new Medicare beneficiaries after 2020, shows the largest savings with Aflac’s pricing 18.9% lower than Aetna.
- Plan N, known for lower premiums but requiring copays, is Aflac’s most budget-friendly option at $90/month.
- Plan A, which offers the most basic coverage, is also competitively priced, coming in 6.5% 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: 10.1% lower than competitors on average
- Florida: 6.2% lower
- Georgia: 1.4% lower
- Illinois: 10.6% lower
These percentages reflect the average cost difference between Aflac and major Medigap providers in each state. Prices can fluctuate due to state regulations, community-rated vs. attained-age pricing models, and other underwriting factors.
Additional Factors to Consider
When selecting a Medigap provider, price isn’t the only factor—it’s also important to evaluate:
- Rate Stability: Does the provider have a history of frequent rate increases?
- Customer Service: How well does the insurer handle claims and customer support?
- Financial Strength: Does the company have a strong financial rating (A.M. Best, Moody’s, etc.)?
- Household Discounts: Some providers, like Mutual of Omaha, offer discounts for
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.
If you’re shopping for a Medicare Supplement plan, be sure to compare your state-specific rates and consider all factors beyond just pricing. Aflac’s lower premiums can make it an attractive choice, but reviewing overall benefits and policyholder experiences is equally important.
Aflac’s Ratings and Reviews
These impressive high ratings serve as a testament to Aflac’s financial stability and commitment to providing policyholders with dependable coverage:
- 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, indicating 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.
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 that should be on your radar. They offer a range of Medigap plans, although it’s worth noting their relative newness in the Medicare market.
Our team of licensed insurance agents is happy to assist you in navigating your options to find the best Medigap plan that fits your needs.
Sources: Aflac Website | Customer Testimonials | Medigap Info | Aflac Medigap Expansion
FAQ
Can Aflac cancel my Medigap policy?
No, all Aflac Medicare Supplement plans are guaranteed renewable annually upon timely premium payment.
Who is eligible for Aflac’s Medicare Supplement plans?
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.
