Supplemental Insurance: Protect Your Health and Finances
Health care expenses are something everyone faces at some point. Whether it’s a routine dental cleaning, an annual visit to your doctor, or an unexpected medical emergency, the costs can add up — and many Americans are feeling uneasy about it.
According to the 2025–2026 Aflac WorkForces Report, more than half of U.S. employees worry about medical costs not covered by insurance, with Gen Z workers feeling the most anxious.¹ The good news is, there are ways to ease that burden.
Think of Your Benefits as a Toolbox
Imagine your health benefits as a well-stocked toolbox. Inside are essentials like a hammer, screwdriver, and tape measure — each serving a specific purpose to help you build or repair something. Even if you’re not a construction expert, you know what these tools do.
In the same way, supplemental insurance is one of the valuable tools in your benefits toolbox. It works alongside your primary health insurance to fill in financial gaps, providing extra protection when unexpected expenses arise.
Just as there are many kinds of tools, there are also different types of supplemental insurance. For instance:
According to the 2025–2026 Aflac WorkForces Report, more than half of U.S. employees worry about medical costs not covered by insurance, with Gen Z workers feeling the most anxious.¹ The good news is, there are ways to ease that burden.
Think of Your Benefits as a Toolbox
Imagine your health benefits as a well-stocked toolbox. Inside are essentials like a hammer, screwdriver, and tape measure — each serving a specific purpose to help you build or repair something. Even if you’re not a construction expert, you know what these tools do.
In the same way, supplemental insurance is one of the valuable tools in your benefits toolbox. It works alongside your primary health insurance to fill in financial gaps, providing extra protection when unexpected expenses arise.
Just as there are many kinds of tools, there are also different types of supplemental insurance. For instance:
- Accident insurance can be a smart choice for families with kids or people with active lifestyles.
- Cancer or critical illness coverage may be worth considering if you have certain medical or family histories.
- Life insurance ensures your loved ones are protected financially, even after you’re gone.
Your Financial Safety Net
Supplemental insurance is more than just an add-on — it’s a safety net for you and your family. It’s a multipurpose resource that supports your financial well-being, offers peace of mind, and reinforces your overall coverage.
For many workers, this support is critical. Nearly 44% of employees say they couldn’t afford a $1,000 out-of-pocket medical bill.¹ And with 61% of Gen Z employees expressing concern over costs not covered by their health plan, supplemental insurance can make a big difference.
It helps cover expenses that arise from accidents, hospital stays, or specific diagnoses — expenses that might otherwise strain your budget.
Supporting a Healthy Lifestyle
Supplemental insurance isn’t just for emergencies — it also encourages proactive care. In fact, 72% of employees with supplemental coverage used it within the past year, not just for urgent needs but also for preventive care.¹ Many Aflac policies include benefits for doctor visits and health screenings, giving you even more reason to prioritize wellness.
Confidence in Your Coverage
Finally, supplemental insurance can help build confidence. When you clearly understand your policy, you’re less likely to feel anxious about unexpected health care costs — much like wearing a helmet and pads makes you feel more secure when riding a bike.
And, just as it’s important to know the difference between a Phillips-head and a flathead screwdriver, it’s essential to understand the distinctions between various coverage types. Knowing how each plan works ensures you can make the best choices for your financial and physical well-being.
Click here to know more Aflac.
Supplemental insurance is more than just an add-on — it’s a safety net for you and your family. It’s a multipurpose resource that supports your financial well-being, offers peace of mind, and reinforces your overall coverage.
For many workers, this support is critical. Nearly 44% of employees say they couldn’t afford a $1,000 out-of-pocket medical bill.¹ And with 61% of Gen Z employees expressing concern over costs not covered by their health plan, supplemental insurance can make a big difference.
It helps cover expenses that arise from accidents, hospital stays, or specific diagnoses — expenses that might otherwise strain your budget.
Supporting a Healthy Lifestyle
Supplemental insurance isn’t just for emergencies — it also encourages proactive care. In fact, 72% of employees with supplemental coverage used it within the past year, not just for urgent needs but also for preventive care.¹ Many Aflac policies include benefits for doctor visits and health screenings, giving you even more reason to prioritize wellness.
Confidence in Your Coverage
Finally, supplemental insurance can help build confidence. When you clearly understand your policy, you’re less likely to feel anxious about unexpected health care costs — much like wearing a helmet and pads makes you feel more secure when riding a bike.
And, just as it’s important to know the difference between a Phillips-head and a flathead screwdriver, it’s essential to understand the distinctions between various coverage types. Knowing how each plan works ensures you can make the best choices for your financial and physical well-being.
Click here to know more Aflac.
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