Caregivers are eligible to Enroll in our Corp AFLAC Account! Why? Aflac is designed as supplemental insurance, meaning it pays cash benefits directly to you (not the doctor) to help cover out-of-pocket costs like deductibles, copays, or even regular bills like rent and groceries: Key Things to Know for MA:

• Pre-existing Conditions: Aflac usually has a "look-back" period (often 6–12 months). If you’re already being treated for something, it might not be covered immediately.
• Waiting Periods: Some plans (especially Cancer) may have a 30-day waiting period from the time you sign up before you can file a claim.
  • Direct Payment: Unless you "assign" benefits to a hospital, the check comes to your mailbox or bank account.
  • Pre-existing Conditions: Aflac usually has a "look-back" period (often 6–12 months). If you’re already being treated for something, it might not be covered immediately.
  • Waiting Periods: Some plans (especially Cancer) may have a 30-day waiting period from the time you sign up before you can file a claim.

[. Accident Advantage- $6.51 (individual /week) $12.33 (family/week) This plan kicks in if you or a family member are injured in a covered accident (on the job, at home, or on the soccer field).](https://valiant-megaraptor-249.notion.site/Accident-Advantage-6-51-individual-week-12-33-family-week-This-plan-kicks-in-if-you-or-a-fam-33e6b8464c65802b8635dd50f2a29e2c)

. [Hospital Indemnity (Choice/Advantage)](https://www.aflac.com/business/products/hospital-insurance.aspx?utm_medium=multiple&utm_source=vanity&utm_campaign=b2b_2023_videos&utm_term=offerhospital#:~:text=residents of Virginia%3A-,Aflac will not pay benefits for care or treatment that,the Effective Date of coverage.) $5.88 (individual /week) $8.82 (family/week)Unlike health insurance that covers the bill, this pays you specifically for being admitted to or staying in a hospital.

[. Cancer Protection Assurance- $7.73 (individual /week) $13.30 (family/week)Cancer treatment is notoriously expensive due to "indirect" costs like travel and specialized drugs. This plan targets those gaps](https://valiant-megaraptor-249.notion.site/Cancer-Protection-Assurance-7-73-individual-week-13-30-family-week-Cancer-treatment-is-notori-33e6b8464c658056a85df5b02bc0ae3f)

[. Aflac Critical Illness (Lump Sum **$5.46 (individual /week) $10.68(family/week)**In Massachusetts, this plan is often used to cover the "Big Three": Heart Attack, Stroke, and (sometimes) Cancer.](https://valiant-megaraptor-249.notion.site/Aflac-Critical-Illness-Lump-Sum-5-46-individual-week-10-68-family-week-In-Massachusetts-this-33e6b8464c65805bbadfee8c09ad57b8)