Michael Nail

New Insurance Benefit: Midday Recovery Reimbursement

Industry rumors suggest a new wellness benefit may soon reimburse members for one 20-minute nap during the workday.

How it would work:
1. Take a nap
2. Wake up refreshed
3. Submit a claim for your “midday recovery session” (photographic proof may be required)

Sounds great, right?

😆 April Fools!
Sorry, apparently naps don't yet qualify as a health insurance benefit, but one can dream!

Health insurance wasn't intended to cover everything, so when your employees are faced with seeking medical treatment for an illness or injury, the out-of-pocket costs can have a negative effect on their budgets and wellbeing.
As you look for new ways to help support your workforce, Aflac can help enhance your overall benefits package and help set your business apart.

Out-of-pocket costs from medical treatment can affect your employees' quality of life aflac.com

Why Deductibles Make a Difference 💡

When choosing a health insurance plan, one of the biggest decisions you'll make is your deductible amount, and it’s more important than you might think.

Here’s why:

📌 Your deductible affects your monthly premium:
Lower deductible = higher monthly cost
Higher deductible = lower monthly cost
It’s all about balance!

📌 Think about how often you use healthcare:
If you visit the doctor regularly, a lower deductible might save you money in the long run.
If you're pretty healthy and rarely need medical care, a higher deductible plan could be more cost-effective.

📌 Be prepared for unexpected costs:
A deductible is what you pay before your insurance starts helping. Choosing the right amount can help you plan for surprises without blowing your budget.

📌HSA eligibility:
If you plan to put money aside in a Health Savings Account, keep in mind that only high-deductible plans are HSA-eligible.

Bottom line: There’s no one-size-fits-all answer. The right deductible depends on your needs, budget, and health habits.

Need help deciding? Let’s chat! We're here to help you find a plan that fits YOU. 🙌

Help your employees better understand the four types of disability insurance. Knowing now can be crucial before a covered event causes them to miss work.

Know the Difference: Disability Insurance Options aflac.com