How do claims typically coordinate with a client’s primary health insurance?

• A. Aflac benefits are cash indemnities that supplement primary coverage; underwriting/claims ensure no duplication and apply coordination of benefits where required.
• B. Aflac benefits replace the primary policy entirely.
• C. There is no coordination; benefits are always paid first.
• D. Aflac benefits only apply after all other plans have paid.

Answer: (C)

The key idea is that Aflac is designed to be a supplement to your primary health insurance, not a replacement. When a claim is filed, the primary health plan handles the medical costs first according to its rules. Aflac then provides a cash indemnity for the covered event to help with expenses that the primary plan may not fully cover. The important part is coordination of benefits: the amount Aflac pays is aligned with what the primary plan has paid or would pay, so you don’t receive duplicate payments for the same loss. In practice, this means Aflac fills gaps and non-covered costs while respecting the primary plan’s payment, rather than paying first without regard to the primary policy.