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Bobbi Bird - Aflac Insurance Agent

Employee Benefits | Health Insurance | Supplemental Insurance | Life Insurance Agency in Fredericksburg, VA.
Open today until 4:00 PM
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Whether you are a recent graduate or an experienced worker, one thing is the same: Life happens. That is why Aflac is there to help pay for expenses major medical insurance may not cover. Focus on what matters most and learn how One Day Pay℠ can benefit you and your family.

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When accidents happen, as they often do, offer your employees a safety net to help cover what major medical insurance may not with accident insurance.

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When life doesn’t go as planned, Aflac can help protect you and your employees from financial burden by helping with treatment costs. That way, your employees can focus on what matters most – getting better.

Learn more about how Aflac can help by giving me a call at (540) 841-4394 or visit www....

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Your financial security is important to us, see how Aflac can help with burdensome out-of-pocket costs that your major medical insurance may not cover.

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Life Insurance Fact:

Most people will spend more time seriously contemplating insurance on their phone than insurance on the life of a loved one or themselves. For further information, reach out to me at (540) 841-4394 or send me a message.

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Processing eligible claims is as easy as 1, 2, 3 with Aflac’s One Day Pay℠ initiative! We promise to process and pay, not deny and delay.

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An accident can leave an employee in physical and financial disarray. This #SafetyAwarenessMonth start offering Aflac Accident Insurance to help your employees if the unexpected happens.

For more information regarding Accident Insurance call (540) 841-4394 or visit

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Group and Voluntary Benefits

  • Accident Insurance

    Take advantage of Aflac’s accident insurance policy to maintain peace of mind and help pay for emergency treatment, as well as for treatment‐related transportation and lodging.
  • Hospital Indemnity Insurance

    A trip to the hospital can be a little intimidating. And while we can’t take all the uncertainty out of your stay, Aflac can help you make some of those unexpected costs a bit more manageable.
  • Critical Illness Insurance

    Use our critical illness insurance to help with the treatment costs of life-changing illnesses and health events, so you can stay focused on recuperation.
  • Cancer Insurance

    cancer insurance is here to help your family better cope financially if a positive diagnosis of cancer ever occurs. comfort and protection means the freedom to focus on more important things.
  • Short-Term Disability Insurance

    Your paycheck helps you maintain your current way of life. If you find yourself unable to work, Aflac short-term disability insurance will provide cash to help ease the financial stress.
  • Life Insurance

    If something happened to you, would the financial future of your loved ones be protected? Help ease your mind with coverage that you and your family can rely on.
  • Dental Insurance

    It’s no secret that routine dental care contributes to good medical health. Dental insurance provides benefits for a variety of services, with no networks, deductibles, or precertification requirements.
  • Vision Insurance

    We designed our vision plan so individuals and their families can be more proactive about caring for their vision.

Small and Large Group Health Benefits

  • Health Insurance

    Whether you need health insurance for yourself, your business, or your family, Alternative Benefit Consultants, LLC has a wide range of choices. Let our experts help you find the health insurance you need. We work various Virginia, Maryland, and D.C. health Insurance providers, Including: Piedmont Community Healthcare, CareFirst BlueCross BlueShield, Anthem Blue Cross Blue Shield, Coventry Health, Cigna Health, United Healthcare, Kaiser Permanente, Innovation Health, Optima Health, Aetna.
  • ( FSA ) Flexible Spending Account

    With a healthcare FSA, employees can use tax-free funds to pay for eligible out-of-pocket medical, dental, and vision care expenses. Funds are moved to their FSA before taxes are deducted, which reduces their overall tax burden. Healthcare FSAs save your company money. Employees who have healthcare FSAs are typically more cost-conscious consumers who have lower healthcare costs, which can mean lower healthcare premiums for your company. And employee contributions to healthcare FSAs help reduce payroll taxes.
  • ( FSA ) Dependent Care Flexible Spending Account

    With a Dependent Care FSA, your employees can use tax-free funds to pay for dependent care services. Funds are moved to an FSA before taxes are deducted, which reduces their overall tax burden.Dependent Care FSAs save your company money since employee contributions to FSAs help reduce payroll taxes.
  • ( HRA ) Health Reimbursement Arrangement

    With an HRA, your company determines and sets aside a certain amount of pre-tax dollars in an account to pay for hundreds of eligible healthcare expenses.
  • ( HSA ) Health Savings Account

    With an HSA, your employees can set aside pre-tax money for eligible healthcare expenses and earn interest on and invest the money in the account. Funds are moved to an HSA before taxes are deducted, which reduces their overall tax burden. This simple and efficient tax-advantaged spending account brings together competitive interest rates, low fees, investment options, and a convenient, fully integrated, prepaid debit card for healthcare purchases.
  • ( CSA ) Commuter Savings Account

    With Commuter Benefits, employees can use tax-free funds to pay for parking and public transportation-such as train, subway, bus, ferry, trolley, or vanpool-as part of their daily commute to work. Funds are moved to the account before taxes are deducted, which reduces their overall tax burden. With Commuter Benefits, employees can save an average of 30 percent off their commute. Commuter Account can also save your company money. By transferring compensation from the employee's pay to a pre-tax account, you could reduce your payroll taxes by as much as 7.65% on the amount of pretax deduction made by your employees.

Aflac Business Solutions.

  • Aflac Fraud Protection - EZShield

    Aflac Fraud Protection, Powered by EZShield, gives you the opportunity to take that one step further for your employees, while reaping protective benefits for your business as well.
  • Telemedicine

    This service connects policy holders with a licensed medical provider online to receive personalized treatment, while offering a low-cost option to receiving medical care.
  • Cafeteria Plans

    With Aflac cafeteria plans, you can reduce your employees’ taxable income, thereby reducing your share of FICA and FUTA taxes. This could mean a savings for you and your employees. The administration of flexible spending account plans doesn’t have to be complicated. WageWorks can work with you to implement and assist with administration of a Flexible Spending Account plan at minimal cost.
  • Affordable Care Act Compliance and Reporting Services

    The deadline for Affordable Care Act reporting compliance is here. With these requirements come big challenges for businesses in the form of time-consuming data tracking, form preparation, filing and ongoing monitoring. Non-compliance is not an option. So with all of the complexities involved, how can employers be sure they are fully compliant?Aflac is here to offer our customers the best ACA solutions available. We have partnered with three top reporting companies not only to make it simple for employers to get necessary ACA reporting services, but to get them at preferred rates.

Benefits Administrative Services

  • COBRA Administration Services

    one-stop shop for COBRA administration and compliance - from implementation to ongoing operations, including dedicated, knowledgeable employer and participant customer service. Ease the COBRA administrative burden, fully support your COBRA participants, and reduce the risk of noncompliance.
  • Direct Billing Services

    Direct Billing Services are a comprehensive set of direct billing and administrative services that are tailored to the needs of your specific employee population. Streamline your HR workload and reduce administrative costs.


11 months ago
Great agent, went beyond expectations to get my claim paid quickly. I and my company are very happy with Bobbi's service ! Trying to get a claim paid by Aflac's main office is hard sometimes when you don't know exactly what they need from you, but our Agent will help you with every step, getting documents you need to get you paid quickly !
- Lawrence M
11 months ago
Very knowledgeable of what they do. Great customer service and friendly staff.
- Sara G
a year ago
Great customer service. Would highly recommend.
- Tammy S

About Bobbi Bird

I am an Insurance Agent specializing in employee benefits Located in Fredericksburg, Virginia. I have local clients in Virginia, Maryland, D.C. and several clients throughout the United States.

I enjoy helping individuals, families, small and large businesses find their most affordable and best option when it comes to their healthcare needs.

 providing my clients with guidance in protecting their families with the right life, health and supplemental insurance policies, gives them the peace of mind knowing they are covered.

What is Aflac?

Aflac is supplemental insurance for individuals and groups to help pay benefits your major medical insurance doesn’t cover. 

When an insured gets sick or hurt, Aflac pays cash benefits fast. For more than six decades, Aflac insurance plans have given insureds the opportunity to focus on recovery, not financial stress.  

Reasons for Buying Aflac

  • Aflac pays fast. Get the cash you need in just four† days.
  • Aflac pays you. Not the doctors or facilities, benefits are paid directly to you, unless otherwise assigned.
  • You decide. Use the cash to help cover anything you need – like transportation, childcare, deductibles, copayments and more.

Aflac is different from health insurance; it’s insurance for daily living.
Major medical pays for doctors and hospitals. Aflac is insurance for daily living. It pays cash benefits directly to you, unless otherwise assigned, to help with daily expenses when you’re sick or hurt.

Aflac is an extra measure of financial protection.
When you’re sick or hurt, Aflac pays cash benefits that you direct to help you and your family with unexpected expenses. The benefits are pre-determined and paid regardless of any other insurance you have.

Aflac is affordable.
We have a range of products that fit most budgets. Aflac can provide you and your family with coverage and security to help maintain your everyday life in case of illness or injury. And, Aflac rates don’t go up when you file a claim.

Aflac claims are processed quickly – usually within 4 days.
Filing a claim with Aflac is never a ‘wait and see.’ Claims are usually processed within 4 days. Our forms are also easy to complete. So while you’re focusing on your health, we focus on getting you a check quickly.

Aflac pays you benefits even when you’re healthy.
We want you to be healthy – that’s why we promote preventative care. Get a routine physical, a mammogram, or an eye exam and we’ll pay you*. It’s that simple.

 *Benefits may not be available in all states.

Want to file a claim ? Reach out to me by phone (540) 841-4394 or:

For step-by-step tutorials on filing an online claim, please see our how-to videos or download our claims checklists.  

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  • (540) 841-4394


Get directions
727 Bellows Ave.
Fredericksburg, VA 22405
United States

Business Hours

Mon:9:00 AM – 4:00 PM
Tue:9:00 AM – 4:00 PM
Wed:9:00 AM – 4:00 PM
Thu:9:00 AM – 4:00 PM
Fri:9:00 AM – 4:00 PM
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