What is a 'coordinated benefits' approach, and how does it apply to Aflac?

• A. Ensuring benefits from multiple sources work together without duplication; Aflac supplements primary coverage like Medicare or employer plans
• B. It replaces primary coverage entirely
• C. It ensures coordination across plans to avoid duplication
• D. It applies only to dental coverage

Answer: (A)

Coordinated benefits means when you have more than one source of coverage, the plans work together so payments don’t duplicate and gaps in coverage are filled. In this setup, a primary coverage plan—like Medicare or an employer‑sponsored plan—pays first for covered services. Aflac’s supplemental policies sit alongside that primary coverage, providing additional cash benefits for specific events such as accident, cancer, or critical illness. These benefits help cover out‑of‑pocket costs or expenses not fully paid by the primary plan, and they’re paid directly to you. They don’t replace the primary coverage; instead, they fill gaps and add a layer of financial protection by working with the primary plan rather than duplicating its payments.