Accident, Critical Illness, and Hospital Indemnity Plans

For the Unexpected

Supplemental insurance complements your existing healthcare coverage to help protect you, your family and your finances in case the unexpected happens.

  • Accident Plan

    The USG Accident Plan offered by Aflac can protect you from the financial impact of an accident by paying benefits for specific injuries and events resulting from a covered accident on or after your coverage effective date. The amounts paid depend on the type of injury and care received.  

    While the plan helps to offset out-of-pocket costs such as emergency care and recovery, or other healthcare expenses like deductibles and copayments, accident insurance is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

    Aflac Accident Plan Benefits

    Type of careCost covered
    Ground Ambulance$300
    Applianceup to $200
    Emergency Room$150
    Urgent care$150 per accident
    Closed Dislocations-Shoulder$1,125
    Closed Fractures- Wrist$1,500
    Sports Benefit25%
    Lacerationsup to $600
    Wellness(1 per person per year unless noted)$50
  • Critical Illness Plan

    The Critical Illness plan through Aflac can help you recover from the financial stress of a serious illness. It can assist with out-of-pocket expenses for eligible healthcare, along with other costs like mortgage payments and other living expenses.

    The plan provides cash benefits when an insured person is diagnosed with or treated for a covered critical illness. You will receive a lump-sum benefit to help with eligible out-of-pocket costs that can accompany a covered critical illness. Review a list of covered critical illnesses.

    Critical Illness insurance is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.  

    Benefit options

    You may elect $10,000,$20,000, or $30,000 for your coverage. Your spouse is eligible to be covered for half the amount of the coverage you elect ($5,000 ,$10,000, or $15,000). Children are automatically covered.

    Aflac also offers a Health Screening Benefit  to help supplement the additional cost of this coverage.  Click this link to file a Health Screening claim,  policy number 23054.

  • Hospital Indemnity Plan

    The Hospital Indemnity Plan through Aflac pays a daily benefit if you have a covered stay in a hospital, critical care unit or rehabilitation facility. The benefit amount is determined based on the type of facility and the number of days you stay.

    The plan can also help you with unexpected costs related to your stays, such as eligible healthcare expenses, travel costs and other everyday expenses. Hospital Indemnity Insurance is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

    Aflac Hospital Indemnity Plan Benefits

    Type of stayCost covered
    Initial Hospital Admission; Limitation$600; 1 per covered event 
    Hours Required for AdmissionAdmitted as inpatient
    Daily Hospital Confinement; Limitations$125; 31 days per stay
    Daily ICU; Confinement; Limitations$250; 10 days per stay
    Rehabilitation facility $50; 30 days/stay
    Newborn$125; per day

More about the plans  

Eligibility. Active, benefits-eligible employees working 30+ hours per week are eligible to enroll, as well as spouses and children up to age 26. No medical questions or tests are required.

Enrollment. You can enroll in and make changes to your USG benefits:

  • Within 30 days of your hire or eligibility date.
  • At each subsequent Open Enrollment period.

Here is how to enroll:

  • Visit On the right side of the page, look for Manage My Benefits, then click the appropriate button. 
  • Call the OneUSG Connect - Benefits Call Center at 1-844-5-USGBEN (1-844-587-4236). Expert representatives are available Monday–Friday 8 a.m. to 5 p.m. Eastern time.

Coverage costs. Review monthly rates on the Employee Premiums page. 

Plan details. For more information on these plans, see the Plan Documents page or contact the providers using the Contacts page.