How does Aflac describe its relationship with Medicare in coordination of benefits?

• A. Aflac replaces Medicare payments when available
• B. Aflac pays only after Medicare has paid and then reduces benefits accordingly
• C. Aflac supplements Medicare, paying additional benefits on top of Medicare payments, subject to policy terms and COB rules
• D. Aflac ignores Medicare and pays benefits directly

Answer: (C)

Coordination of benefits with Medicare means Aflac is there to fill gaps, not replace Medicare. Aflac describes its relationship with Medicare as a supplement that pays additional benefits on top of what Medicare covers, all within the policy terms and COB rules. In practice, Medicare pays first for covered services, and Aflac provides extra benefits to help with remaining costs like deductibles or coinsurance, up to the plan’s limits. This approach keeps Medicare as the primary payer while Aflac adds extra coverage, so you don’t lose benefits you’re entitled to and you don’t receive more than the policy allows. The other descriptions would imply replacing Medicare, not coordinating with it, or ignoring Medicare, which isn’t how these plans are designed to work.