We enrolled in Aflac cancer insurance policy many many years ago via our employer (back then that was the only way one could get Aflac was via employers). And we kept the premiums (family plan: $35.90 month) up all these years. It was a huge life saver!!! The checks just kept rolling in to use as we seen fit. Medicare took care of the Dr. appts, treatments, hospital etc. Aflac took care of the travel expenses etc.