Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Aflac vs Humana

Insurance is a requirement in the event of a life changing catastrophe.

When comparing Humana, a traditional insurance provider and AFLAC, a non-traditional insurer, there are many points to consider, including what type of coverage is offered, whether you have an existing insurance policy, and whether you would need cash benefits in the event you are unable to work after an illness or injury.

To determine the best insurance provider for you, input your ZIP code into our FREE quote analysis tool!

AFLAC Insurance

AFLAC offers supplemental insurance to people to protect against injury or illness. AFLAC describes its services not as health insurance, but insurance for daily living.

AFLAC pays its subscribers cash benefits to help pay with expenses such as car payments, therapy and utility bills that regular health insurance does not cover. The cash benefits offered by AFLAC are paid to the subscriber even if the subscriber maintains a separate health insurance policy with another company.

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Types of AFLAC Policies

AFLAC offers individual policies that include:

  • Accident
  • Cancer and Specified Diseases
  • Critical Care and Recovery
  • Dental
  • Hospital Confinement Indemnity
  • Hospital Intensive Care
  • Juvenile Life
  • Life
  • Lump Sum Cancer and Lump Sum Critical Illness
  • Short Term Disability
  • Vision

Accident

In the event that a covered member is involved in a qualified accident, AFLAC pays cash benefits.

Cancer and Specified Diseases

Individuals may purchase specific coverage that will pay cash benefits if the covered member is diagnosed with that specific illness.

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Critical Care and Recovery

In the event of a major illness such as a heart attack, benefits are paid to cover related expenses not covered by medical insurance.

Dental

Individuals may purchase dental insurance coverage for routine exams, services such as fillings and root canals and restorative care such as crowns.

Hospital Confinement Indemnity

In the event that a member is hospitalized, this coverage provides benefits that assist with the associated expenses.

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Hospital Intensive Care

Hospitalization in the intensive care unit costs many thousands of dollars per day, and this coverage assists with the costs not covered by traditional insurance plans.

Juvenile Life

Parents and guardians may purchase juvenile life insurance to assist with the loss of life expenses of an infant or child, including funeral and burial expenses.

Life

Individuals may purchase adult life insurance which provides survivors with a cash benefit to live on and cover the cost of funeral and burial services.

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Lump Sum Cancer and Lump Sum Critical Illness

In the event that a subscriber is diagnosed with cancer or a critical illness, the member is provided with a predetermined cash benefit that may be used to assist with end of life care.

Short Term Disability

In the event that the subscriber must go without pay due to an illness or injury, this coverage replaces lost income.

Vision

AFLAC vision coverage provides benefits for preventive examinations and treatment of diseases of the eyes.

To determine the best insurance provider for you, input your ZIP code into our FREE quote analysis tool!

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Humana Insurance

Compared to AFLAC, Humana is a traditional insurance company that provides specified benefits for covered services, illnesses and injuries. This coverage is paid directly to the provider, and no cash benefits are paid to subscribers.

Types of Humana Insurance Company Policies
Humana Insurance Company offers a variety of policies for consumers, including:

  • Humana Medicare
  • Humana for individuals
  • Humana through employers

Humana does not offer insurance coverage in all states. Consumers located in New York, California, or New Mexico are not able to apply for Humana coverage. Not all Humana options are available in each geographic area served by Humana. Consumers must search by their state of residence to determine which policies are available to them.

Humana Medicare

Under Humana Medicare policies, consumers may choose from coverage to complement their Medicare insurance. Options include:

  •  Medicare Supplement Insurance Plans for Plan A, B, C, F, G, K, L and N.
  • Prescription Coverage, depending on geographic area, includes three options for Medicare Part D. These are stand alone prescription drug programs separate from Medicare prescription drug coverage. These plans include Humana Walmart-Preferred Rx Plan (PDP), Humana Enhanced (PDP) and Humana Complete (PDP).
  • Medicare Advantage Plans under Humana include Humana Gold Choice (PFFS), which allows for flexibility in choice of medical provider, Humana Gold Plus (HMO) which requires that members select a provider from a network and HumanaChoice(PPO), which allows for some flexibility while keeping costs affordable.

Humana for Individuals

Individuals may purchase Humana insurance plans for medical, dental and vision coverage. Humana also offers prescription drug coverage to individuals, including mail order prescriptions. Coverage is available for individuals as well as families.

Types of plans include:

  • Copay Plans: These policies require a copay for sick visits and injury-related office visits, and members must select an in-network doctor. This plan also includes coverage for preventive services like annual physical exams and tests. Deductibles and coinsurance options vary, and members can select the best option for their budget.
  • 100% After Deductible Plans: These plans pay for most types of medical expenses so long as the provider is in-network. Covered medical services include sick visits and injury-related office visits, which are paid at 100% after meeting the annual individual deductible.
  • Health Savings Account Plans: These plans cover federally approved medical services and are often referred to as high deductible plans. Health Savings Account Plans can be used to pay qualified medical expenses such as doctor’s fees and to budget for future medical care expenses.
  • Short Term Medical Plans: During temporary periods when a consumer finds himself without medical coverage, short term medical plans provide protection and coverage for unexpected medical emergencies, illnesses and injuries.

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Humana Insurance Through Employers

Employees may receive Humana insurance as a benefit form their employer or by paying Humana directly but via group discounts. Types of Humana insurance through employers include:

  • Medical Plans: Medical plans offered by employers include a variety of copay, deductible and health savings account plans.
  • Health Savings Accounts: Both employers and employees may contribute funds into a health savings account, which the employee may use to pay for qualified medical and prescription drug expenses.
  • Dental Insurance: Humana offers dental insurance for emergency and preventive oral care.
  • Vision Care: Through employers, Humana provides vision care including eye exams, screening for diseases of the eye and corrective lenses.
  • Disability and Life Insurance: Employees may elect to purchase disability and life insurance coverage to protect against the loss of income.

Making a Choice

Varied Insurance Policies

Humana offers traditional insurance packages for consumers to purchase for individual or family coverage. AFLAC is not a traditional health insurance company, but provides cash benefits under certain circumstances. Weigh out your coverage needs, budget and the benefits of each company, and select the company that provides the best policy for you.

To determine the best insurance provider for you, input your ZIP code into our FREE quote analysis tool!