Melanie Emerson DDS
Voluntary Insurance Options
The information provided on this website is for general informational purposes only and does not constitute insurance advice, an offer to sell, or a solicitation to buy any insurance product. Coverage availability, terms, and conditions may vary by state, policy type, and individual circumstances.
Any insurance products referenced are subject to the terms, limitations, and exclusions of the applicable policy. In the event of a conflict between the information on this site and your policy documents, the policy documents will control.
Enhanced Benefits Solutions
The rates shown below are an example and do not in any way constitute a guarantee in coverage. Please visit with your company's dedicated agent Ricky DeFalco to get a specific quote, to add/change current coverage or to apply for new coverage.
(Additional Riders are available on most plans Aflac plans)
Plan changes can be made during your open enrollment, unless you have a qualified life change event.
Accident Insurance
How can Aflac help?
Accidents can happen at any time and treating them can be costly. Even with health insurance there may be out-of-pocket costs - causing everyday expenses to suddenly seem overwhelming. Aflac Accident Insurance helps provide financial protection if a covered accidental injury occurs.
The Aflac Plus Rider is an optional addition to your accident plan coverage.
Hospital Insurance
Understand the difference Aflac makes in your financial security
Aflac pays cash benefits directly to you, unless otherwise assigned, for covered hospital expenses. We provide you with financial resources to help you overcome some of the unexpected expenses associated with a visit to the hospital, giving you less to worry about so you can focus your energy on getting better.
Cancer Insurance
Helps with the high cost of cancer care
Treating cancer can be expensive. From deductible and copays to treatment, transportation and childcare, there are expenses that health insurance may not cover. Aflac offers financial protection by providing robust benefits that help cover the patient from initial diagnosis, through treatment and beyond. And benefits are paid directly to them to use as they see fit.
Short-Term Disability Insurance
Here's how Aflac Disability can help
When disabled, you mont only lose the ability to earn a living, but you may also lose savings or retirement funds. The financial obligations can be overwhelming. Disability insurance plays an integral and important role in your financial planning.
Aflac provides benefits for both total and partial disability. Even if you're able to work, partial disability benefits may be available to help compensate for lost income.
Aflac does not coordinate benefits. Regardless of any other disability insurance you may have, including Social Security, we will pay you directly.
Plus Rider
The Aflac Plus Rider is not a stand alone policy. This is a rider that can be added to the Accident Policy, Short-Term Disability policy or the Choice Hospital Policy.
The Aflac Plus Rider pays a specific benefit amount when you are diagnosed with a covered event. You can use the cash to help pay out-of-pocket expenses, such as utility bills, car payments, and mortgage or rent payments.
Register yourself to review your plans, update contact information, submit claims and much more through the Aflac member website.
For further assistance contact your local agent.
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(you must register on the Aflac member website first)
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