Aflac’s Hospital Indemnity plan is probably the most misunderstood Aflac plan. Yes, it covers you if you’re admitted to the hospital, but it does a lot more than that too. This plan offers coverage for the following:
- Major Diagnostic Exams
- CT/CAT Scans
- MRI’s
- EEG’s
- Visiting the Doctor (6 Visits per Calendar Year)
- Telemedicine (6 Visits per Calendar Year)
- Going to the Chiropractor (4 Visits per Calendar Year)
- Getting a Prescription (5 per Year)
- Emergency Room Observation
- Inpatient/Outpatient Surgery & Anesthesia
- And more, for the full list check the Hospital Plan brochure.
Note: There is also a mammogram benefit payout where you can get one $100 payout a year by getting this routine medical test.
This plan has two versions: the low plan and the high plan. They each cover the same thing, it just affects how much you’re paid when you experience a qualifying event. The high plan also costs more, but that’s to be expected when the payout is two to three times what the low plan offers. We recommend you take a look at the different rates and payouts to see what’s best for you.
Is the Hospital Plan right for you?
If you’re considering the Hospital Plan there are a couple of things to think about. For one, do you have any upcoming surgeries or tests planned? Are you at risk to be hospitalized? Are you thinking about growing your family? All of these are covered events and make the Hospital Plan very useful.
If you also plan to use your doctor’s visits, this plan is great as you can get a payout 6 times a year.
How much does it cost?
The price for this plan varies based on whether you select the low or high option and whether or not you’re seeking coverage for just yourself or also for your spouse/dependents.
To see a full rate breakdown, click the rates button the sidebar.
How to file a Claim
In order to file a claim, you’ll need to head to MyAflac.aflac.com and create an account. When you create your account you must use your certificate number. Once you have created an account, you simply need to go to MyAflac.Aflac.com and click “New Claim.” If you have any difficulty creating an account or starting your claim, check out this guide, or call/email us. We’ll gladly help you out.
How Do I Enroll?
To enroll, you just need to call SDPEBA during Open Enrollment. Call us at 888-315-8027. You can also call if you have any questions or email Support@SDPEBA.org. You can also sign up online by heading here and following the instructions. If you need your EEID, email us and we’ll get it to you as soon as possible.
About Us
The San Diego Public Employee Benefit Association is a partnership of unions and associations designed to help reduce costs, improve benefits, and enhance support for San Diego’s public employees. We’re here to answer your questions and help make sure you get the most out of your benefits while also advocating for you directly to the provider to make sure you get the best experience possible.