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

If you want some added protection, consider enrolling in one or both of the following supplemental health care plans:

  • 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.

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