I participated in a campaign on behalf of Mom Central Consulting for Aflac. I received a promotional item as a thank you for participating
When I was a senior in high school I was the passenger in an accident that had me wheelchair bound for several months. My teeth were knocked out, I had pins in my ankle, my shin was tore open to the bone, my pelvis was broken, and I had stitches in numerous places. It was definitely one of the more scary times in my life. Another thing that happened in our life is my aunt and mom both having breast cancer, which means I have to stay on top of my health just in case. If you are thinking something like that can never happen, think again. Chances are you will go through life and never go through a situation like I did but what if you do and you aren’t prepared.
Aflac is hoping to help you be a little more prepared for the “what if” medical emergencies. You might be thinking, that’s what I have insurance for, and that is awesome. However, it doesn’t always cover everything and trust me, if you are ever hospitalized and then home bound like I was, the costs add up. We don’t always think about the things that will come out of pocket for us, other expenses that don’t cross our mind when we think medical emergency. Things like bills that you have to keep paying even if you are not working, child care fees, fees if you have to hire a caregiver. In the end it can end up costing thousands of dollars and if you are like most people today, you don’t have thousands of dollars lying around.
It’s so important that we make sure we know what is and isn’t covered so we can be prepared…just in case. That’s where Aflac’s Real Cost Calculator can help. As seen above it gives an idea of what the cost could be for someone diagnosed with breast cancer. When I did the cost for a broken leg it was over $10,000!!!! That would be tough to swing even with insurance, let alone all the bills that would pile up.
Michael Zuna, Aflac executive vice president, and chief marketing and sales officer wants to make sure everyone has an idea of what a medical emergency could cost:
Every day I hear about consumers being blindsided by the costs of a medical emergency. Even with health care reform, the reality is that medical costs show no sign of decreasing which can mean higher copays, deductibles and premiums,”. “Our goal with the Real Cost Calculator is to not just reveal how quickly these costs can add up, but to empower consumers to be proactive when it comes to health care and prepare for the unexpected. The new calculator will also educate consumers how Aflac helps fill the gaps in their insurance coverage.
The Aflac RCC is simple and easy to use. In three easy steps it breaks down:
- Medical and out-of-pocket costs including deductibles and copays.
- Household expenses during a treatment or recovery period, like rent or mortgage, car payments, child care and utility bills
- Out-of-pocket expenses like transportation for follow-up doctor’s visits, special travel arrangements, caregiving and other health care needs that continue while a patient is sick and out of work.
The tool will show users how Aflac policies could help offset out-of-pocket costs and educate consumers about how voluntary insurance can help fill the gaps in their health insurance coverage. That sounds like a GREAT plan to me. It doesn’t hurt anyone to find out more information. Once you’ve used the Real Cost Calculator you can decide what will work for you. It’s something we are definitely going to sit down and discuss in our home. It’s much better to be prepared than caught off guard and the Real Cost Calculator is just a step in being prepared.
Have you ever been in an accident or had unexpected medical expenses? Were you caught off gaurd with the medical costs??