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As you age, you may want or need new kinds of health care. As the need or desire for new health treatments rises, so does the cost. Supplemental health insurance pays in addition to your existing health insurance to help provide more holistic coverage and decrease out-of-pocket costs.
Aflac offers various supplemental health insurance plans to help provide support in specific coverage areas. A few popular options are dental, critical illness, hospital, accident, cancer, short-term disability, final expense, and vision insurance.
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It can be helpful to understand the average cost of supplemental health insurance and how it often changes based on age. Chatting with an Aflac agent can help you find an insurance plan that works best with your budget. Read on to learn how supplemental health insurance for seniors works and find information on some types of plans that are available.
Supplemental health insurance is a type of plan that offers reasonable plan options to help minimize out-of-pocket expenses not covered by your major medical plan.
It’s important to note that seniors automatically qualify for Medicare, a national health insurance program in the United States for seniors 65 and older.1 However, there may be a period of time before you turn 65 when you need additional support. That's where supplemental health insurance for seniors can help.
Supplemental health insurance for seniors works the same way it does for other ages. While supplemental insurance is often cost-effective regardless of age, the price can increase as you get older. For reference, the average cost of health insurance for seniors aged 60 is around $1,319 per month.2 The average cost seniors will pay for supplemental health insurance can vary based on factors like the type of plan you choose, your age, and the state you live in.
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedThere are typically three kinds of health insurance plans you should consider as you get older:
When navigating how much health insurance costs for retirees, there are a handful of factors to consider. Remember, your major medical plan is an entirely different cost. Supplemental health insurance is an added cost that helps provide seniors with more coverage. Several factors can affect the cost of supplemental health insurance, including:
Aflac can help provide support in one or more of these areas. Many of our policyholders consider more than one type of supplemental health insurance plan:
We hope that you have a better understanding of the various insurance options, including supplemental health insurance plans, that are available for seniors. Now, you may be able to better decide if supplemental insurance coverage is right for you. Chat with an agent to determine if Aflac can fit into your budget.
Get Started
Supplemental health insurance covers what your normal health insurance plan may not. Learn more about the types of supplemental health insurance plans available to you.
Interested in health insurance for retirees? Learn how health insurance for early retirees works and some early retirement health insurance options for you.
Supplemental health insurance covers what your normal health insurance plan may not. Learn more about the types of supplemental health insurance plans available to you.
Interested in health insurance for retirees? Learn how health insurance for early retirees works and some early retirement health insurance options for you.
1 Medicare is the national/federal health insurance program that Americans qualify for if they're 65 or older; for certain younger people with qualified disabilities; and for people with End-Stage Renal Disease. https://www.medicare.gov/what-medicare-covers/your-medicare-coverage-choices/whats-medicare.
2 ValuePenguin - How Age Affects Health Insurance Costs. Updated February 10, 2025. Accessed May 13, 2025. https://www.valuepenguin.com/how-age-affects-health-insurance-costs.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Aflac Coverage:
Accident, A36000 series: In Idaho, Policies A36100ID–A36400ID, & A363OFID. In Virginia, Policies A36100VA – A36400VA, & A363OFVA. A37000 series: In Delaware, Policy A371AA & A371BA. In Idaho, Policy A37000ID. In Oklahoma, Policy A37000OK. In Virginia, Policies A371AAVA & A371BAVA. A38000 series: In Delaware Policies A38100DE – A38300DE, In Oklahoma A38100OK – A38300OK.
Cancer/Specified-Disease, B70000 series: In Delaware, Policies B70100DE, B70200DE & B70300DE. In Idaho, Policies B70100ID, B70200ID, B70300ID, B7010EPID, B7020EPID. In Oklahoma, Policies B70100OK, B70200OK, B70300OK, B7010EPOK, B7020EPOK. 75000 series: In Virginia, policies A75100VA–A75300VA. Cancer insurance is also known as specified disease insurance in some states.
Critical Illness/Specified Health Event, A74000 series: In Delaware, Policies A74100DE, A74200DE, A74300DE. In Idaho, Policies A74100ID, A74200ID, A74300ID. In Oklahoma, Policies A74100OK, A74200OK, A74300OK. In Virginia, Policies A74100VA, A74200VA, A74300VA. A73000 series: In Delaware, Policies A73100DE & A7310HDE. In Idaho, Policies A73100ID & A7310HID. In Oklahoma, Policies A73100OK & A7310HOK. In Virginia, Policy A73100VA & A7310HVA. B71000 series: In Delaware, Policies B71100, B71200, B7130H & B7140H. In Oklahoma, Policies B71100OK & B7110HOK.
Dental, A82000 series: In Delaware, Policies A82100R–A82400R. In Idaho, Policies A82100RID–A82400RID. In Oklahoma, Policies A82100ROK–A82400ROK. In Virginia, Policies A82100RVA–A82400RVA.
Hospital, B40000 series: In Delaware, Policies B40100DE & B4010HDE. In Idaho, Policies B40100ID & B4010HID. In Oklahoma, Policies B40100OK & B4010HOK. In Pennsylvania, Policies B40100PA & B4010HPA. In Virginia, Policies B40100VA & B4010HVA.
Short-Term Disability, A57600 series: In Delaware, Policies A57600DE & A57600LB. In Idaho, Policy A57600IDR. In Oklahoma, Policies A57600OK & A57600LBOK. In Virginia, Policies A57600VA & A57600LBVA.
Vision, VSN series: In Delaware, Policy VSN100. In Idaho, Policy VSN100ID. In Oklahoma, Policy VSN100OKR. In Virginia, Policy VSN100VA.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Tier One Coverage:
Accident, T37000 series: In Delaware, Policy T37000. In Idaho, Policies T37100ID, T37200ID, & T37300ID. In Oklahoma, Policy T37000OK. In Virginia, Policies T37100VA, T37200VA, T37300VA, T37400VA & T37600VA.
Cancer/Specified Disease plans, T70000 series: In Delaware, Policy T70000. In Idaho, Policy T70000ID. In Oklahoma T70000OK, In Virginia, policies T70000VA & T70000GVA.
Critical Illness, T71000 series: In Delaware, Policy T71000. In Oklahoma, Policy T71000OK. In Virginia, Policy T71100VA.
Dental, Vision and Hearing: In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. Not available NY or VA. Dental claims are administered by SKYGEN USA, LLC. Vision claims are administered by EyeMed Vision Care, LLC. Hearing claims are administered by Nations Hearing. NOTICE: The coverage offered is not a qualified health plan (QHP) under the Patient Protection and Affordable Care Act (ACA) and is not required to satisfy essential health benefits mandates of the ACA. The coverage provides limited benefits.
Life, Final Expense: In AR, DE, ID, OK and VA: Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22. Aflac Final Expense policies are not available in New York. Aflac Final Expense insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated and is administered by Aetna Life Insurance Company.
Tier One coverage is underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations, and exclusions.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999
Aflac New York | 22 Corporate Woods Boulevard, Suite 2 | Albany, NY 12211
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