The Insurance and Benefits Trust of PORAC (IBT) sponsors specialized supplemental insurance plans through Aflac, providing members with access to coverage such as Accident Advantage, Cancer Protection Assurance, Aflac Hospital Choice, and Critical Care Protection. These plans are available to PORAC members to assist with unexpected expenses not covered by major medical insurance plans. All these plans will pay cash benefits directly to the member to assist with out-of-pocket costs.
Aflac’s Accident Advantage plans help cover accidental injury related expenses like emergency treatment, hospital stays and physical therapy, and follow-up visits, as well as other expenses like transportation and lodging, should a member be away from home when treatment is needed.
Aflac’s Critical Care Protection plan provides peace of mind should you experience a serious health event or need hospitalization. This plan provides financial assistance should you experience a serious health event, such as a heart attack or stroke. This plan pays subscribers a lump-sum benefit upon diagnosis of a covered event, with additional benefits payable for things such as a hospital confinement, intensive care unit confinement, ambulance, transportation, lodging, and therapies.
The Cancer Protection Assurance plan was developed to provide members with cash benefits during covered cancer treatments and can help protect members’ income and savings from expenses that are not covered by major medical insurance, including deductibles and co-pays, experimental cancer treatments, and transportation and lodging, to name just a few of the 30 separate ways this plan can help during a cancer illness.
The Hospital Advantage Plan is a hospital-confinement indemnity insurance policy that provides cash benefits to members. Benefits are paid regardless of any other insurance members may have. This policy is customizable based on individual or family needs and is compatible with other AFLAC plans.
In 2021, Aflac paid a total of 5,037 claims to PORAC members with paid benefits totaling $1,311,484. For more information on Aflac-sponsored products, call (858) 344-4331 or visit the website at Aflac.com/PORAC to review detailed plan information and enroll in any of these products.
If you are interested in any other benefits provided by the IBT, such as the health plan (Anthem Blue Cross PPO), dental, vision, short-term disability, life insurance and AD&D insurance or home and auto coverage, please contact Customer Service at (800) 655-6397.
As always, the Insurance and Benefits Trust of PORAC remains committed to providing quality products and services to all members through our business partners.
Featured in the March 2022 issue of PORAC Law Enforcement News