Supplemental Insurance That Fills the Gaps
Protect Your Health, Income & Peace of Mind in Germantown, MD
Health insurance doesn’t always cover everything — but supplemental coverage through CF Alliance helps make sure you’re not left with out-of-pocket surprises. We proudly offer Aflac plans that provide cash benefits directly to you when you need them most. Whether you're recovering from an injury or supporting your family through a health crisis, we help you stay financially stable and focused on healing.
What Your Policy Should Cover
Accident Insurance
Pays cash benefits for injuries like fractures, burns, and emergency room visits. You can use the money however you need — from covering rent to paying your deductible.
Hospital Indemnity
Provides daily cash payouts if you're admitted to the hospital, helping offset the cost of overnight stays, co-pays, and uncovered expenses.
Critical Illness Insurance
Offers a lump-sum benefit if you’re diagnosed with a covered serious illness like cancer, heart attack, or stroke. It gives you financial breathing room when health takes a hit.
Short-Term Disability
Replaces a portion of your income if you’re unable to work due to injury or illness. It’s an essential layer of protection for self-employed individuals or those without paid leave.
Cancer-Specific Plans
Targeted coverage that supports treatment and recovery from a cancer diagnosis — including travel, caregiving, and experimental therapies.
Add‑Ons That Matter
Depending on your lifestyle and health goals, these extras are worth considering:
Dental & Vision Riders
Get extra coverage for routine dental and vision care that isn’t covered under major health insurance.
Wellness Benefits
Many plans offer preventative care payouts — meaning you can get rewarded for annual checkups and screenings.
Family Plans
Extend your benefits to cover your spouse or children, with options tailored to your household size and needs.
Why It Matters
Because Health Insurance Doesn’t Cover Everything — But We Do
A major medical plan is a great start, but it doesn’t always pay for everyday realities like transportation, rent, groceries, or childcare when you're out of work. CF Alliance helps you bridge the gap with supplemental insurance that pays you — not your doctor or hospital. It’s simple, flexible, and real-world ready.
What You Need to Know About Aflac in Maryland
What is supplemental insurance?
It’s additional coverage that pays out cash benefits to help with expenses not covered by standard health insurance — like deductibles, co-pays, and lost income.
How are benefits paid?
Aflac pays you directly — often within a few days — so you can use the money however you need.
Can I have Aflac even if I already have health insurance?
Yes — Aflac is meant to work with your primary health insurance, not replace it.
Do I have to go through my employer?
No — we offer both group and individual policies, so you can sign up through your employer or independently.
Is supplemental insurance worth it if I’m healthy?
Absolutely — unexpected injuries and illnesses happen, and these plans offer low-cost protection that’s ready when you need it most.
Let’s Fill the Gaps Together
Our licensed Aflac agents in Germantown, MD are ready to help you build a supplemental plan that fits your life — and your budget.