2018 Aflac Incorporated Benefits Guide

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MEDICAL AND DENTAL PLAN
PREMIUM CHANGES
In 2018, the employee premium for
medical and dental will increase slightly.
Maintaining healthy lifestyles, using
generic prescription drugs, when
available, and being smart consumers
of health care will help control costs and
minimize premium impacts in the future.
Additionally, we are fortunate that Aflac
continues to subsidize a significant
portion of benefits costs. The 2018
premiums can be found at
.
PHARMACY
Health care and drug costs continue
to rise. It’s important to manage these
increasing costs as decisions made
today influence the premiums paid
tomorrow. Beginning Jan. 1, 2018,
there will be additional measures to help
encourage more generic drug use and
discourage brand-name use when a
generic may be available. Use of generic
drugs is one of the most impactful
ways to lower and manage drug costs.
This saves money for you and the
plan. Register online and/or download
the CVS Caremark smartphone app
today for tools and resources that may
help you save money on prescription
medications. A personalized savings
guide awaits you at
.
EAP
The Employee Assistance Program
empowers you to make informed
choices regarding important work and
family decisions. Your EAP provides
no-cost, confidential services for you
and your immediate family members. By
calling the toll-free number or accessing
the website, you can get support for
emotional well-being, marital or family
difficulties, addictions, legal and financial
problems, and assistance locating child
care or elder care. Your EAP minimizes
the amount of time spent on solving
work-life issues.
APPS AND ONL INE
RESOURCES
Speed and convenience are vital in this
busy world, and Aflac benefits providers
offer apps and mobile websites to help
you find information on-the-go. For a
list of available resources, see the
flyer.
2018 BENEFITS HIGHL IGHTS
Aflac is known for its strong values and commitment to employees, their families and the community. Our values set the standard
for how we conduct business, how we live and the way we care for others. Aflac is committed to supporting the overall health
and well-being of our employees so they can live the life they love. To that end, please consider this quality benefits program that
provides for the physical, mental, emotional, and financial needs for you and your family.
Your benefits are a significant part of your total compensation package, and it is your responsibility to make sure you understand
your options. This easy-to-use Benefits Guide highlights important information. When making your selections, consider the needs
of you and your family over the next year, how well each plan meets those needs and the financial impact. Read it carefully and
refer to it often throughout the year.
The opportunity to elect your benefits only happens once a year. It is important to review your benefit choices carefully to make
sure your coverage will meet your needs for 2018.
Checklist:
3Confirm your current coverage – make changes as needed.
3Confirm dependent coverage – make changes as needed.
3Enroll in FSA – to participate, you must enroll each year.
3Review and confirm beneficiary information for life insurance and 401(k).
How to Apply for
Aflac Coverage