Help Address Coverage Gaps
Give employees access to additional financial protection for expenses their primary health plan may not fully cover.
Introduced through
ACA 360 Marketplace
AFLAC Supplemental Benefits
Strengthen Your Benefits Package Without Replacing Your Core Medical Plan
Give employees access to additional financial protection for covered accidents, illnesses, hospital stays, disability, and other life events.
ACA 360 can help you explore available AFLAC solutions and determine which options may be appropriate for your organization and workforce.
Discuss Benefits for Your WorkforceWhy supplemental benefits matter
Financial Protection Beyond Major Medical Coverage
Major medical insurance is essential, but it may not cover every expense an employee faces after an accident, illness, or hospital stay. Deductibles, copayments, transportation, childcare, household expenses, and lost income can create additional financial pressure during an already difficult time.
AFLAC supplemental insurance can provide cash benefits for covered events. For many plans, benefits are paid directly to the policyholder unless assigned otherwise, giving employees flexibility to use the funds where they are needed most.
Support Financial Well-Being
Supplemental benefits can help employees prepare for unexpected expenses and reduce the financial stress associated with a covered health event.
Strengthen Your Benefits Offering
Expand the value of your benefits package with additional coverage choices designed to support a diverse workforce.
How it works
How AFLAC Supplemental Benefits Work
AFLAC benefits are designed to complement an employer's existing benefits program. They do not replace major medical insurance or satisfy an employer's ACA coverage obligations.
- 1
The Employer Selects Available Benefits
ACA 360 works with the employer to understand workforce needs and identify the AFLAC coverage options the organization would like to make available.
- 2
Employees Choose Their Coverage
Employees receive information about the available benefits and decide whether to enroll based on their individual and family needs. Depending on the arrangement, premiums may be paid through convenient payroll deductions.
- 3
AFLAC Pays Benefits for Covered Events
When a covered accident, illness, or other qualifying event occurs, eligible benefits are paid according to the applicable policy. For many supplemental plans, cash benefits are paid directly to the policyholder unless assigned otherwise.
Available benefit solutions
Explore AFLAC Benefit Solutions
Every workforce is different. ACA 360 can help your organization explore available AFLAC coverage options and identify the benefits that may be most relevant to your employees.
Accident Insurance
Provides benefits for covered injuries and may help with expenses associated with emergency treatment, medical care, transportation, and recovery.
Hospital Indemnity Insurance
Provides benefits for covered hospital stays and related services, helping employees manage expenses that may extend beyond their primary medical coverage.
Cancer Insurance
Provides financial support for covered services associated with the screening, diagnosis, treatment, and recovery stages of cancer.
Critical Illness Insurance
Provides benefits following the diagnosis of a covered critical illness or health event, helping employees manage the financial impact of treatment and recovery.
Short-Term Disability Insurance
Provides income protection when a covered illness or injury prevents an employee from working for a qualifying period.
Life Insurance
Provides financial protection for an employee's beneficiaries following a covered death, helping families prepare for future financial needs.
Dental Insurance
Provides coverage for eligible preventive, basic, and major dental services based on the selected plan and available network.
Vision Insurance
Provides coverage for eligible vision examinations, eyewear, and related vision-care needs based on the selected plan.
Product availability, plan designs, benefits, and eligibility may vary by employer, product, and state.
Discuss Benefits for Your Workforce →Employer value
Add More Value to Your Benefits Program
Offering AFLAC gives employers another way to support employees while strengthening the overall benefits experience.
Flexible Employer Contribution Options
Depending on the product and arrangement, coverage may be employee-paid, employer-paid, or structured with a combination of contributions.
A More Competitive Benefits Package
Additional benefit choices can strengthen your total rewards strategy and support employee recruitment and retention efforts.
Support for Employee Financial Well-Being
Supplemental coverage can help employees prepare for unexpected expenses and reduce the financial stress associated with a covered event.
Convenient Payroll Deduction
Eligible premiums can be collected through payroll deduction, creating a convenient payment experience for participating employees.
Potential Tax Advantages
When eligible coverage is offered through a properly established Section 125 plan, potential tax savings may be available to the employer and participating employees.
Tax treatment depends on the benefit, plan structure, and employer circumstances. Employers and employees should consult their own tax or financial advisors.
ACA 360 support
A Guided Benefits Experience for Your Organization
ACA 360 serves as your initial point of contact for exploring AFLAC supplemental benefits. We work with your organization to understand its objectives, coordinate appropriately licensed producer resources, and support a clear path from the initial discussion through employee enrollment.
- 01
Workforce and Benefits Discussion
We begin by learning about your workforce, current benefits program, enrollment approach, and organizational priorities.
- 02
Coverage Exploration
We help identify the AFLAC coverage categories your organization would like to explore and coordinate with appropriately licensed producer resources.
- 03
Implementation Coordination
ACA 360 coordinates with the appropriate AFLAC resources to support account setup, benefit selection, enrollment planning, and payroll-deduction requirements.
- 04
Employee Education and Enrollment
We help coordinate a clear enrollment experience so employees can understand the available options and make informed coverage decisions.
- 05
Ongoing Point of Contact
After implementation, ACA 360 remains available to help direct employer questions and coordinate appropriate AFLAC support.
Employer inquiry
Ready to Explore Supplemental Benefits for Your Workforce?
Start with a conversation about your organization, workforce, and benefits objectives. ACA 360 will help you explore available AFLAC solutions and determine the appropriate next step.
Do not submit employee medical information, Social Security numbers, dates of birth, or other sensitive enrollment data.
Discuss benefits for your workforce
Tell us about your organization. ACA 360 will review your inquiry before sharing information with any provider.
Insurance and Product Disclosures
With the exception of applicable dental and vision insurance plans, the AFLAC plans described on this page provide supplemental insurance coverage and are not major medical insurance plans. Supplemental insurance does not replace an employer's primary medical plan or satisfy an Applicable Large Employer's obligations under the Affordable Care Act.
This page provides general information only and does not contain complete policy terms. Product availability, plan designs, benefits, premiums, underwriting requirements, and eligibility may vary by employer, product, and state. Policies and riders may contain limitations, exclusions, waiting periods, and other conditions that affect benefits payable. Refer to the applicable policy, certificate, and rider documents for complete details.
AFLAC insurance coverage is underwritten by the applicable company within AFLAC's family of insurers, including American Family Life Assurance Company of Columbus and, depending on the product and state, its affiliated insurers.
ACA 360 LLC is not the insurer and does not make underwriting decisions, approve insurance applications, determine whether a claim is covered, or decide what benefits are payable under an AFLAC policy. Those determinations are made by the applicable insurer according to the terms of the policy.
ACA 360 may separately provide ACA compliance monitoring and employee eligibility-tracking services under a distinct client engagement. Those services do not determine eligibility for coverage or benefits under an AFLAC insurance policy.
Insurance products are offered only through insurance producers appropriately licensed in the applicable jurisdiction. ACA 360 may receive commissions when insurance products are purchased.
Sheryl Nevil, Licensed Insurance Producer
National Producer Number: 21753966
Ohio Insurance License No.: 1697866
ACA 360 is currently licensed to transact insurance in Ohio. For inquiries involving employers or insurance activity outside Ohio, ACA 360 may coordinate with an appropriately licensed producer partner. Product availability and producer participation will be confirmed based on the applicable state and insurance transaction.
Section 125 Note
Potential tax savings may be available when eligible premiums are paid through a properly established Section 125 plan. Restrictions may apply. Employers, employees, and other individuals should consult their own tax, legal, or financial advisors regarding their specific circumstances.
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