The Ins & Outs of a Hospital Stay

1. THE
INs & OUTs
OF A
HOSPITAL
STAY
While a policyholder’s primary medical insurance may cover most
of a hospital stay, patients still might be responsible for out-of-pocket
costs. Aflac’s hospital insurance can help pay them.
Hospital Stays by the Numbers1
It’s estimated that 18.4 million
Americans have had an overnight
hospital stay last year
The average hospital stay lasts
for 5 days
The average cost
per day was $2,137
Top Reasons for an ER Visit (any age)2
• Headaches
• Skin Infections
• Sprains & Broken Bones
• Chest Pains
There were 136.3 million ER visits in 20113
Top Reasons Children End Up in the Hospital4
Injury and poisoning (includes car
accidents, falling and being struck)
Respiratory disorders (includes asthma)
Nervous system disorders (includes sport-
related brain injuries like concussions)
Digestive disorders (includes vomiting,
diarrhea and stomach pain)
Infections and parasitic diseases
Skin disorders (includes burns
and rashes)
25.5 million children under age 18 are taken to the emergency room each year
What Will It Cost You?
The average hospital stay
costs $9,7005
Health insurance premiums
for families have increased
80% since 20035
Aflac’s hospital insurance
can help cover the costs of a
hospital visit not covered by
major medical insurance.
Weekly rates can be as low
as a “Get Well Soon” card6
• Cuts and Contusions
• Abdominal Pain
Sources: 1. “1999 - 2013 AHA Annual Survey,” Copyright 2015 by Health Forum, LLC, an affiliate of the American Hospital Association. Special data request, 2015. Available at
http://www.ahaonlinestore.com. As reported on KaiserFamilyFoundation.com site: http://kff.org/other/state-indicator/expenses-per-inpatient-day/ 2. “10 most common reasons
for an ER visit,” Marianne Spoon, Howstuffworks.com, accessed October 21, 2015, (http://health.howstuffworks.com/medicine/10-common-reasons-for-er-visit.htm#page=0)
3. “Emergency department visits resulting in hospital admission, by selected patient and visit characteristics, United State 2011,” National Hospital Ambulatory Medical Care
Survey: 2011 Emergency Department Summary Tables. Table 25, as reported on CDC.gov (http://www.cdc.gov/nchs/fastats/hospital.htm) Accessed October 21, 2015 4.
“Top Reasons Children End Up in the Hospital,” Kimberly Leonard, US News & World Report, June 10, 2014 (http://health.usnews.com/health-news/best-childrens-hospitals/
slideshows/top-reasons-children-end-up-in-the-hospital/1) 5. Employer Health Benefits Survey 2013, Kaiser Family Foundation. 6. Assumes the average cost of a greeting
card is $3.99*, and the average cost of postage to mail is $0.49**. Comparison is based on the average weekly premium for Nebraska Payroll Premium rates for industry
Class A; Aflac Hospital Advantage Essentials - Option1 Series A49100; Individual Age 18-75. Premiums may vary by coverage type, account, state of issue, and the election of
additional/optional benefits. *Source: Hallmark.com, 2015. **Source: U.S. Postal Service, April 2015.
One Day PaySM
available for most properly documented, individual claims submitted online through Aflac SmartClaim® by 3 PM ET. Aflac SmartClaim® not available on the
following: Short Term Disability (excluding Accident and Sickness Riders), Life, Vision, Dental, Medicare Supplement, Long Term Care, Home Health Care, Aflac Plus Rider
and Group policies. Individual Company Statistic, 2015. Coverage is underwritten by American Family Life Assurance Company of Columbus. Worldwide Headquarters
1932 Wynnton Rd Columbus GA 31999
In Idaho, Policies A49100ID–A49400ID and A4910HID. In Oklahoma, Policies A49100OK–A49400OK and A4910HOK. Policies may not be available in all states.
Limitations and exclusions may apply. Benefits are determined by state and plan level selected.
Z151057 11/15
Apply for Aflac’s hospital insurance policy so you can have
cash on hand to help cover costs associated with your stay
www.aflac.com/hospital