Medical
We are committed to providing you and your family with affordable health care. See below for an at-a-glance look at the medical plan options offered to you under our Employer Health Programs (EHP).
EHP EPO Plan
(Exclusive Provider Organization)
Provider Network(s)
Preventive Care
You Pay $0 for diagnostic services for preventive exams, mammograms and colonscopies if you use an in-network provider
Prescription Drug Coverage
See Prescription Drugs for details
Out-of-Network Coverage
No coverage
You pay 100% of the costs
Biweekly Premiums
Lower
Deductibles and Out-of-Pocket Maximum
Higher
EHP PPO Plan
(Preferred Provider Organization)
Provider Network(s)
Preventive Care
You Pay $0 for diagnostic services for preventive exams, mammograms and colonscopies if you use an in-network provider
Prescription Drug Coverage
See Prescription Drugs for details
Out-of-Network Coverage
You pay 30% of the costs for most services
Biweekly Premiums
Higher
Deductibles and Out-of-Pocket Maximum
Lower
Understanding Available Provider Networks
Preferred Network
How much you pay for care depends on the services you need and where you go. For most covered services from Preferred Network providers and facilities, both plans pay 90% of the costs and you pay 10% (after any deductible). This is often the most affordable provider choice.
EHP Network
You also have access to the EHP Network, where 80% of the cost is covered, while you pay 20%. Fees vary among providers, so sometimes a low cost EHP network provider is the most affordable choice.
Cigna Network
In addition to the Preferred Network and EHP Network, you’ll have access to Cigna’s extended network of over one million nationwide in-network providers beyond those directly contracted in the EHP Network. Cigna’s PPO network providers in all U.S. states, are available to all EHP members. Cigna PPO network services are covered as in-network benefits.
Added Protection
- Critical Illness Insurance: Pays a lump-sum benefit upon the diagnosis of each covered illness.
- Hospital Indemnity Insurance: Pays cash benefits that help pay for some of the costs — medical and non-medical — associated with a covered hospital stay due to a sickness, pregnancy or accidental injury.
Your participation in these plans is voluntary and you pay 100% of the cost of coverage. Visit Aflac or call 800-433-3036 for details on coverage options, pricing and availability.