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Aflac vs. Trustmark Insurance Company

AFLAC vs. TrustmarkAflac and Trustmark are two great insurance providers. They both offer a wide variety of policies that could work for you. However, they do not offer exactly the same policies. It is highly recommended to review the details for all the policies that each company has to offer and request a quote from each company prior to selecting a plan.

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Aflac Basics:

Aflac is a well-known insurance company throughout the United States. They offer insurance for individuals, brokers and businesses. They offer the following types of insurance:

  • Accident
  • Critical Illness
  • Hospital Confinement Indemnity
  • Short Term Disability
  • Hospital Confinement Sickness Indemnity
  • Vision
  • Hospital Intensive Care.

According to their website, Aflac helps to cover what medical coverage does not cover. They can and will cover medical bills, mortgages, groceries, deductibles, and much more. When you file a claim with Aflac, you will receive cash quickly to help with your bills. It is made to help you with your everyday living expenses when you are disabled because of an illness or injury. You can request a free quote on their website.

It does not matter if you have other insurance, because Aflac payments are decided ahead of time and are not based on how much insurance you have or do not have. The other noteworthy benefit is that if you do make a claim, you will not have to worry about your rates increasing. Aflac states that they process claims within 4 days which is a very quick turnaround time. They will also give you money if you have routine checkups and mammograms. However, according to their website, those benefits may not be available in all states in the United States.

Types of Aflac Policies Available:

The Aflac Lump Sum insurance policies provide a lump sum of cash when the policy holder is diagnosed with an illness such as cancer or other major illnesses. The benefits for business Aflac accounts is that it does not cost the company anything. It is completely paid for by the employee. With the dental insurance for Aflac, patients can receive money to help pay their premiums with pre-tax money, which will help them save money.

The accident insurance offered through Aflac will help pay the bills for the following issues:

  • Accidents involving concussions
  • ER visits.
  • Broken teeth
  • Medical encounters related to lacerations.

With their “Cancer/Specified-Disease” insurance you can get help paying bills for:

  • Deductibles
  • Travel expenses
  • Experimental protocols
  • Help for your family’s bills
  • Living expenses.

The vision plan with Aflac is great because you must have it directly deducted from your paycheck through your employer. The vision plan covers:

  • Eye examinations
  • Eye diseases
  • Corrective lenses
  • Other problems with the eye as specified by the insurance company.

In addition, the critical care and recovery Aflac coverage covers bills and costs related to these conditions:

  • ESRD (end-stage renal disease)
  • Myocardial Infarction (Heart attack)
  • Stroke
  • Coma or a vegetative state
  • Paralysis
  • Organ transplantation
  • Bypass surgery

These are all conditions that can quickly deplete your savings and also put you into bankruptcy.

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Aflac Summary:

Not only does Aflac have a great selection of insurances for various financial needs, The website is easy to navigate and is user-friendly. There is a vast amount of information available about each type of policy available.

Trustmark Insurance Basics:

The Trustmark website is also easy to navigate, but there is not near as much advertising to draw you in or as much information available. Trustmark offers insurance policies for employer groups, brokers, and individuals. They work through subdivisions and subsidiaries of the company that provide specialized services for the customers.

They offer group health benefits, dental benefits, benefits administration, life, accident, critical illness, disability, and wellness programs. Their website has drop down menus where you can search for providers that will be covered for your particular plan, and links to information about all of their different types of policies.

Trustmark Group Health Insurance:

For group health insurance through Trustmark, they will cover anywhere from 2 employees up to 1,000 employees. One of the unique benefits available with Trustmark is called My Nurse 24/7. This is a phone line that patients can call 24 hours per day and talk to a live registered nurse with any health questions they may have. This can help a patient know whether they are headed towards a serious health condition or something more minor.

Under group benefits, employers can offer life insurance, accidental death and dismemberment, long-term care, and even short-term disability plans. This will help employers with their retention rates for employees. For brokers, there are online resources such as calculators to help employees understand the cost of their insurance and the value of it.

Other Types of Trustmark Policies:

According to their website, their critical illness insurance will cover conditions related to:

  • Heart attack
  • Stroke
  • Invasive cancer
  • Kidney failure
  • HIV contracted on the job
  • Blindness
  • Lou Gehrig’s disease
  • Major organ transplants
  • Paralysis of two or more limbs
  • Cancer that has not metastasized to other locations in the body
  • Bypass grafts.

Trustmark’s accident insurance is very similar to Aflac’s. According to their website it will pay you money for these situations:

  • Lodging and transportation
  • Co-pays
  • Deductibles
  • Bills that occur from everyday living expenses

Under long-term care benefits, death benefits can be paid out as well. Below is a list of things you can receive benefits for.

  • Secondary education tuition
  • Mortgages
  • Rent
  • Funeral costs.

Also, if your doctor tells you that you have less than two years to live, you can get an advance payout of 75% of your death benefit.

How Do I Get A Quote to Help Me Decide?

To get a quote to find out how much it will cost for Aflac or Trustmark insurance, you simply need to request a quote online or call their customer service telephone line. The major difference between the two companies is that Aflac is much more well-known in the United States, probably due to their famous duck Aflac commercials on public television. They both offer similar benefits, but to decide what is best for you, you would need to contact them to discuss and weigh your options.

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