Tailored Plans

Cafeteria plans your employees can enroll, pick-and-choose as they see fit. There’s no one-size-fits-all, each has a different life and in a different world. Customize coverage and empower their choice.

CHAD Supplemental Insurance: Essential Coverage for Life’s Uncertainties

CHAD represents Aflac’s core supplemental insurance lineup—Cancer, Hospital, Accident, and Disability—designed to provide direct cash benefits that complement major medical plans, easing financial burdens during targeted health challenges.

• Cancer Insurance: Offers cash for early detection, treatments (e.g., chemo, transplants), and recovery needs like lodging or home care, empowering flexible support through every stage.

• Hospital Insurance: Delivers payouts for admissions, surgeries, and ER visits, helping cover deductibles and out-of-pocket costs for swift financial relief.

• Accident Insurance: Provides immediate funds for injury-related care, from ambulances to rehab, with no waiting periods and stable premiums for reliable protection against mishaps.

• Disability Insurance (Short-Term): Replaces partial income during work absences due to illness or injury, including a loyalty rider for added value, ensuring stability for bills and daily essentials.

These policies pay you directly, offering peace of mind and financial agility. As a Benefits Advisor, I can tailor these to your needs.

Medical Coverage’s SMALL & LARGE Group Options

SMALL & LARGE represent the foundational group medical coverage categories, providing cash-saving benefits and flexible options to bridge gaps in employee health needs for businesses of varying sizes. These offerings pay directly toward costs, ensuring financial stability during health events. Below, key insights into each:

SMALL Group (Small-Sized Coverage): Designed for businesses with 2-50 eligible employees (working 30+ hours/week, option for 20+), featuring community-rated premiums and ACA compliance for accessible, essential protection. 6 4

• S: Sized for 2-50 employees, ensuring even startups access quality plans.

• M: Majority employed in Idaho for localized eligibility.

• A: ACA-compliant with all essential health benefits included.

• L: Level-funded options available for groups with 15+ enrolled, blending self-funding perks with fixed payments.

• L: Localized networks like Select Med or Standard for in-state provider access.

LARGE Group (Large-Scale Coverage): Tailored for businesses with 51+ eligible employees, offering customizable designs, experience-rated pricing, and advanced funding to optimize costs and employee satisfaction.

• L: Leveraged for 51+ employees, scaling with growth.

• A: Advanced plan designs (traditional, HSA-eligible, employee’s choice).

• R: Risk-shared funding (fully insured, self-funded, level-funded with surplus refunds).

• G: Greater perks including vision, dental, concierge services, and wellness programs.

• E: Enhanced networks with nationwide access via partnerships for comprehensive care.

These categories empower employers to select fitting medical coverage, promoting workforce health without overburdening budgets. As a Benefits Advisor, I can customize these for your Idaho-based team—reach out for insights.