Heart attack and stroke are examples of common critical illnesses that often lead to unexpected medical bills. If you are being treated for such a critical illness, shouldn't your primary focus be on getting well--not worrying about how to pay for your care?
Group Critical Illness Insurance can help you by paying a lump sum benefit to help cover your daily living expenses such as grocery bills, mortgage payments, transportation costs or pay for your out-of-pocket medical costs, including deductibles, copays, and cost-shares.
Once you’re enrolled in this coverage, you’ll have extra financial protection if you have a heart attack, stroke, major organ transplant, end stage renal failure or have coronary artery bypass surgery.
AGC2100299 R1 EXP 3/23
Note: You can enroll and dis-enroll during open enrollment or due to a qualified life event.
For enrollments during OE please see the link below or call 1-866-796-6291.
Coverage is effective July 1 - June 30.
For employees enrolling through self-service:
User ID: Caregiver ID
Caregiver Password: CCHS2022 (ALL CAPS needed)
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Who is the provider?
Aflac is a Fortune 500 company, providing financial protection to more than 50 million people worldwide. When an insured gets sick or hurt, Aflac pays cash benefits fairly and promptly directly to the insured (unless assigned otherwise). For more than six decades, Aflac voluntary insurance plans have given insureds the opportunity to focus on recovery, not financial stress.
Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. This is a brief product overview only. Products and benefits vary by state and may not be available in some states. Plan design and optional benefits are selected at the employer level. The plan has limitations and exclusions that may affect benefits payable. Refer to the plan for complete details, limitations, and exclusions.
For groups sitused in California, group coverage is underwritten by Continental American Life Insurance Company. For groups sitused in New York, coverage is underwritten by American Family Life Assurance Company of New York.
How can this help me?
Aflac pays cash benefits directly to you, unless otherwise assigned. This means that you will have added financial resources to help with medical costs or ongoing living expenses. Aflac plans are designed to provide you with a lump sum cash benefit to help you cover out-of-pocket medical and other expenses caused by a critical illness.
When can I enroll?
As a new hire, you can enroll during your new hire enrollment period. Outside of your new hire enrollment period, enrollment is limited to the company's annual enrollment period.
What if my employment status changes?
When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the plans terms and conditions. Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, credit card billing or home billing. Higher rates may apply.