AFLAC is a supplemental insurance company that offers various policies to help employees pay for expenses not covered by regular health insurance. These include cancer insurance, accident insurance, hospital protection, and life protection. Adding AFLAC benefits costs the employer nothing and helps employees pay costs out of pocket from medical issues or accidents. Employees can choose which policies they want to enroll in, with only three enrollments needed to start a group plan. The local AFLAC agent handles claims processing and answering employee questions.