Medical debt is a growing concern in the U.S., with an estimated $88 billion in outstanding medical bills impacting one in five Americans, according to the Consumer Financial Protection Bureau.1 For many, the financial burden of a medical emergency can be overwhelming, but there are ways to ease the strain. One valuable resource for PORAC members is the supplemental insurance coverage provided by the Insurance & Benefits Trust of PORAC (IBT), administered by Aflac. These plans are designed to offer financial support when the unexpected happens, giving you the peace of mind that you won’t face medical emergencies alone — financially speaking.
What is Supplemental Insurance?
While your primary health insurance policy covers many aspects of medical care, there are still gaps that can lead to out-of-pocket expenses. Supplemental insurance helps cover those costs that aren’t typically included in your standard health insurance plan, such as copayments, deductibles, and various treatments for illness or injury. These plans are an important safety net, helping to protect your finances when you need it most.
Aflac’s Supplemental Insurance Plans for PORAC Members
Aflac offers a variety of supplemental insurance plans to participating PORAC members, designed to assist with the financial burdens of a medical emergency. Let’s take a closer look at the different coverage options available.
Accident Advantage
Accidents happen when you least expect them, and when they do, the cost of treatment can quickly add up. Aflac’s Accident Advantage plan is designed to cover expenses that your primary insurance may not fully pay for. Whether it’s emergency care, hospital stays, physical therapy, or follow-up visits, Accident Advantage can help ensure that the financial strain doesn’t add to the stress of recovery. If you’re away from home when an accident occurs, the plan can even assist with transportation and lodging costs.
Critical Care Protection
Facing a serious health event like a heart attack or stroke can be overwhelming, and the financial challenges of treatment shouldn’t add to the stress. Aflac’s Critical Care Protection plan provides financial assistance for expenses related to hospitalization and recovery, helping you stay focused on recuperating. Subscribers receive a lump sum benefit upon diagnosis of a covered event, with additional benefits available for things like ICU confinement for newborns, ambulance services, transportation, lodging, and rehabilitation therapies.
Cancer Protection Assurance
According to the American Cancer Society, 1 in 2 men and 1 in 3 women will be diagnosed with cancer in their lifetime.2 A cancer diagnosis can be devastating, both emotionally and financially. While your primary health insurance may cover many treatment costs, there are often out-of-pocket expenses, including co-pays, deductibles, and expenses for experimental treatments. Aflac’s Cancer Protection Assurance plan offers cash benefits to help with these uncovered expenses, before, during, and after treatment.
Hospital Choice Plan
The Hospital Advantage Plan provides cash benefits for hospital confinement, regardless of any other insurance coverage you may have. This customizable indemnity insurance policy is perfect for individuals and families who want to ensure they are financially protected during a hospital stay. It can be tailored to meet your specific needs and is fully compatible with other Aflac plans, ensuring comprehensive coverage.
Peace of Mind When You Need It Most
Medical emergencies are unpredictable, and the financial implications can be just as surprising. Aflac’s supplemental insurance plans for PORAC members are designed to ease the financial burden, ensuring you have the support you need when it matters most. Whether it’s covering accident-related expenses, aiding recovery after a critical illness, or protecting against the financial impact of cancer treatment, these plans offer peace of mind so that you can focus on healing.
If you’re a PORAC member, consider exploring the supplemental insurance options available to you through Aflac. Protecting your health and your finances goes hand in hand, and these plans provide valuable coverage when you need it most.
To learn more you can visit the IBT’s supplemental coverage page or call (858) 344-4331 to find your local AFLAC for PORAC agent.
Featured in the July 2025 issue of PORAC Law Enforcement News.
1. Retrieved from Consumer Finance Protection Bureau, consumerfinance.gov ↩
2. Retrieved from American Cancer Society, cancer.org ↩