Colonial vs. Aflac

[ThePresence]

I've been on Aflac for about 2 years, on their hospital indemnity plan. I signed up during open enrollment at our company, so it's pretax. I was paying $8.06 per month for my wife and myself. a Colonial rep was here today, he priced out my family, not just the wife and I, for their hospital plan at $6 and change. The payouts are different, but according to my calculations, for hospitalization 6 days and less Colonial wins. 6 days and over Aflac wins. Since typical hospitalizations are under 6 days I am considering going with Colonial.

Anyone have any experience with them vs Aflac?