The plans advertised herein offer supplemental insurance coverage and are not major medical insurance plans.

Dental, Vision, Hearing (DVH): Policy Series T80000 - In Arkansas, Policy T80000AR. In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. In Oregon, Policy T80000OR. In Pennsylvania, Policy T80000PA-DEN ONLY; T8000PA-DVH. In Texas, Policy T80000TX and T80000TXR.

Dental claims are administered by SKYGEN USA, LLC. Vision claims are administered by EyeMed Vision Care, LLC. Hearing claims are administered by Nations Hearing.

This is a brief product overview only. Coverage may not be available in all states, including but not limited to NJ, NM, NY, or VA. Optional riders may be available at an additional cost. Policies and riders have limitations and exclusions that may affect benefits payable. Refer to the exact policy and rider forms for benefit details, limitations, and exclusions. For costs, complete details of the coverage and for policies available in your state, please contact your local Aflac agent.

NOTICE: The coverage offered is not a qualified health plan (QHP) under the Patient Protection and Affordable Care Act (ACA) and is not required to satisfy essential health benefits mandates of the ACA. The coverage provides limited benefits.

Limitations and Exclusions for Arizona

This policy may be voided and benefits are not paid whenever: (1) material facts or circumstances have been concealed or misrepresented in making a claim under this policy; or (2) fraud is committed or attempted in connection with any matter relating to this policy. If you have received benefits that were not contractually due under this policy, then any benefits payable under this policy may be offset up to the amount of benefits you received that were not contractually due.

If you fail to cooperate with our investigation into the validity of your claim, benefits are not covered.

Benefits for a prosthetic device that replaces teeth that a Covered Person lost prior to the Effective Date are not covered, unless the device also replaces one or more natural teeth lost or extracted while covered under this policy.

Benefits for the replacement of congenitally missing teeth are not covered, unless you are replacing a current fixed bridge or denture. Such replacement is subject to policy replacement limits.

Benefits are not covered for:

Limitations and Exclusions for Idaho

Benefits for services rendered by you or a member of the Immediate Family of a Covered Person are not covered.

This policy may be voided and benefits are not paid whenever: (1) material facts or circumstances have been concealed or misrepresented in making a claim under this policy; or (2) fraud is committed or attempted in connection with any matter relating to this policy. If you have received benefits that were not contractually due under this policy, then any benefits payable under this policy may be offset up to the amount of benefits you received that were not contractually due.

If you fail to cooperate with our investigation into the validity of your claim, benefits are not covered.

Benefits for a prosthetic device that replaces teeth that a Covered Person lost prior to the Effective Date are not covered, unless the device also replaces one or more natural teeth lost or extracted while covered under this policy.

Benefits for the replacement of congenitally missing teeth are not covered, unless you are replacing a current fixed bridge or denture. Such replacement is subject to policy replacement limits.

Benefits are not covered for:

Coverage is underwritten by Tier One Insurance Company.

Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (Tier One NAIC 92908).

Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999.

Z2500254