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How to get your AFLAC Claims paid
Posted by Floridagal on 01/10/2011
COLUMBUS, GEORGIA -- As an agent for almost ten years, there are two problems here. One is individuals not understanding their initial waiting periods. To solve this I created a label that I put on the front of my brochures that states Effective date plus 30 day wait =This date for new diagnosis. Pre Existing wait is either six months or one year depending on the plan. This is on all plans that have sickness benefits. The accident plan does not have a wait and the Dental has a different type of waiting period.

I explain to my clients that if you go to a Dr before the 30 day wait and they test for symptoms, even if those test results come back after your waiting period is up, you were still tested for a new condition prior and it will be denied. I do not tell people not to go to the doctor, I tell them they are not covered until after the 30 day wait or pre ex wait.

And the problem with pended claims is pretty simple to fix also. AFLAC requires a basic claim form with your information, and a release form. Then you need to provide proof of treatment for your situation. It is cut and dry and one trip to the hospital Medical Records Dept will yeild the needed papers. A hospital overnight stay requires an Itemized Hosptial Bill, an MRI requires an MRI report, A surgery requires the surgery report, etc. AND ALL CLAIMS NEED TO INCLUDE THE DISCHARGE SUMMARY REPORT WITH DIAGNOSIS CODE. Otherwise, you have to get a Dr's signature to verify the diagnosis. This form is available from Medical Records. This means the ONLY form that now must have a Dr's signature is your Short Term Disability form.

Most pended claims are because of insufficient information. HIPPA regulations require you to obtain this info for faster claims processing. If you were hospitalized and have surgery, please submit an itemized hospital bill, surgery report and the Discharge Summary Report with diagnosis code and the claim form and release form and you will find your claim will be quickly paid.

AFLAC also has an claims appeals board that I have had approval through for those unusual situations.

Finally, remember your HealthInsurance company does not pay YOU cash. AFLAC does and my clients are very happy with their AFLAC experience because I stress the effective dates when they purchase.

I hope this post helps someone to know how to file their claims now.

     
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Posted by trp2hevn on 2011-01-10:
Thanks for the tips!
Posted by carol on 2014-02-18:
Thank you! This was so helpful.
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Tired of the run around
Posted by Nursetracy on 11/10/2010
My husband was presented at work Aflac, he thought this would be great in case something might happen and he would need it. My husband told the representative that he had a history of high blood pressure and he has been on meds since 18, she helped him pick out a specific policy just in case. Well 2 months later my husband needed a stint put in one of his arteries we did file a claim because we were told he had to wait to have this policy for 6 months. Then my husband went back to the doctor and had to have an emergency quad bypass. We then filed a claim in April of 2010, all papers were sent in by us and the doctors, but every time we called Aflac we were told, well we don't have enough info, so we got all the info and sent it, still not enough, it is now Nov, and we still don't have an answer, all we want is an answer to this claim, we are still paying into this and it has done nothing for us, my husband had to go back to work early because we couldn't live off one paycheck, the doctor was not happy and neither are we. Please fix this Aflac, we just want an answer.
     
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Posted by Steve1977 on 2010-12-01:
I hope everything is ok with your husband. What info are they requesting? They are not giving you the run around. When it comes claims sometimes additional information is needed depending on what your policy states and depending on the application questions when you took out your policy. Always be sure to read your policy and read the application that you sign, regardless of what your agent tells you.
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Trying to file a claim
Posted by Verydisappointed43 on 02/07/2008
I have paid premiums to AFLAC for over ten years and have never filed a claim. I fell this past winter and was hospitalized due to internal bleeding for several days. I missed work due to my injuries. I had no idea how difficult filing my claim would be. I telephoned AFLAC after my release from the hospital and explained my accident. They mailed me forms to be completed. When my doctors office sent in the physicians statement, AFLAC told me it was the wrong form.

Every time I think this is finally completed, there is another hoop they want me to jump through. Attempting to have this claim taken care of has been more emotionally taxing than the accident I suffered. I work with an attorney that feels that I should consider a lawsuit. I think that AFLAC thinks that if they stall long enough, most people will give up.
     
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Posted by Anonymous on 2008-02-08:
Until last Spring was also had 'the duck'. When a claim was submitted they found every reason in the book to deny it. No phone call or letter would get a satisfactory response. Needless to say we dropped them. Now they call us weekly to sign up again. As soon as we tell them to stop calling they hang up.
Posted by Jambra on 2008-02-08:
I knew there was something fishy about that goose. Lesson to learn: Never trust a fowl with a one-word vocabulary.
Posted by Anonymous on 2008-02-08:
Jambra, good point and I wouldn't trust one with even a two-word vocabulary or even that stupid gecko!
Posted by Principissa on 2008-02-08:
When hubby got hurt at work we filed with AFLAC and didn't have an issue. I don't know if it was because his injury was work related that we didn't have an issue because the mine doctor and the mine itself filled out all of the paperwork for us, all we did was look it over to make sure it was correct and sign it. Regardless that is no excuse for making you jump through flaming hoops to try and deny the claim. The sole purpose of this insurance is to help you when you are hurt or sick. Work related or not, there is no excuse for what they are doing. If you got hurt and filled your end of the bargain, they should pay you.
Posted by Jambra on 2008-02-08:
Isn't it about time the U.S. gets a national health care program? I've been in Europe for 22 year (I'm American), and I've never had a problem. Don't believe the horror stories that Limbaugh and the rest of his kind try to push on you. Universal health care is the way to go.
Posted by Anonymous on 2008-02-08:
Jambra, I don't care what the rest of the world is doing with health care take a good look at what our Government is doing to our country and our freedoms and then LET IT GO!!!! On this stupid health care program it will NOT work here, stop being so dam dependent on the government and you will stop empowering then to run this country into the ground!!!! Wake up!!!!
Posted by Principissa on 2008-02-08:
I'm with Lidman 100%. This is not about Europe, this is about America. This is about our government. This is about American Healthcare. Not European. The more sway you give the government, the more they take away from you. Free healthcare my rear. How much you want to bet if they did that here, they would raise our taxes through the roof to cover those expenses?
Posted by MSCANTBEWRONG on 2008-02-08:
I am totally against a national health care program. Do you want the government choosing your physician, determining if they THINK a medical procedure is necessary, putting you on a waiting list to receive medical treatment, and deciding that your taxes need to increase in order to pay for the program? Not me!! The government has enough control. I like running my own life thank you!
Posted by Anonymous on 2008-02-08:
As usual Jambra brings an enlightened and refreshing point of view to the table. (Best Answer)!!!
Posted by Anonymous on 2008-02-08:
Stew, if I didn't know you hated the "health care program and the French" I might believe you were really saying what you meant but we all know that would be against you very nature now wouldn't it.

PS. I still see much kimchee and eel in your future.
Posted by Principissa on 2008-02-08:
MS I am totally with you on that one. Could you imagine if you needed an emergency surgery. Why on Earth would I want the government deciding for me if that procedure is appropriate or not! What if you don't like your doctor? Could you imagine the flaming hoops you would have to go through to change a new one. And don't forget medications. I don't want the government deciding if I need my medications or not. And how bout that tax increase. Taxes are high enough as it is, it will only get worse. The doctor's and the politicians will be lining their pockets with it and we'll see less and less of our hard earned money. NO THANK YOU!
Posted by fascismsux on 2008-02-08:
Lidman , i dont care what the american corporations that own our govt and therefore are responsible for the state of our healthcare (both govermental and 'free market) are doing to the prospects of having better healthcare . - take a good look at what their corporate controlled govt is doing to our quality of life and our freedoms and then LET IT GO !!!!
Posted by fascismsux on 2008-02-08:

On this stupid profit driven corporate controlled healthcare vs non-profit democratically controlled healthcare , It will not work here , stop being so dependant on the corporation and their corporate govt and you will stop empowering them to run this country and our potential for quality healthcare into the ground !!!! Wake up !!!!!
Posted by Anonymous on 2008-02-08:
Liddy my friend the United States has socialized medicine albeit corporately socialized. Corporate Socialism is socialism all the same and ya know I'm an Ayn Rand type ergo I despise all forms of socialism.

facismsux -- Right on MAN!
Posted by MSCANTBEWRONG on 2008-02-08:
I wonder if people stop and think about the number of folks that seek medical treatment in the US because they can't get it in their home country. Or about the number of people who die from a curable illness because they weren't able to get treatment quickly enough. I've read numerous articles of people dying of colon cancer or some other type of disease that can be cured if treated in a timely manner. I like my money in my own pocket, not in the pocket of others out to profit from my hard work.
Posted by Anonymous on 2008-02-08:
"I wonder if people stop and think about the number of folks that seek medical treatment in the US because they can't get it in their home country" -- Okay I'll bite... how many?
Posted by Anonymous on 2008-02-08:
fascismsux, that's what I said and I don't care if you got it or not so stop disagreeing with me when you agree and LET IT GO!!! The corporate people must be brought under control and the government must be taken back by the people NOW!!!!

MS and Princi, I am on your side on this and that is good that we are together and I wish more people would stand up for the right thing like this.
Posted by Jambra on 2008-02-08:
First of all. National health care is not free. You pay for it monthly. Second: Nobody chooses your doctor for you. This is all just right-wing propaganda to protect the interests of the health insurance lobby. It will work in America. Something as to be done to fix the system.
Posted by fascismsux on 2008-02-08:
Lidman- Their is a HUGE difference between OUR govt and THEIR govt .- If you dont clarify that then you wont be communicating clearly !
Posted by Anonymous on 2008-02-08:
Stew, many. I also read about how people in the UK are going to Germany and other places to get medical treatment because they can't wait on the waiting list and they pay for it elsewhere. There is a lot of stories out there I just don't understand how anyone could believe that the US could have a quality health care program run by the government or the cooperate world. I think the only way to get it back on an even keel is to get the government back on track and start some regulation on our health care that we have in place and get control of the insurance companies and there stupid rates. Stop the frivolous law suits and shoots all the lawyers then take back the court system and start believing in common sense again.
Posted by Anonymous on 2008-02-08:
fascismsux, the differences is ours lies about it using the will or I should say the laziness of the people to deceive the people while the others just tell the people this is the way of it and if they don't like it, so what. On the other hand they all lie because it's there self-proclaimed job description. Now prove me wrong, please.
Posted by Anonymous on 2008-02-08:
I did the quick math -- My employer pays $12,324 a year for my health insurance.. Well they don't actually pay it because as with all employer expenses the cost eventually makes it way to the masses in the form of higher prices or in my case actual taxes. This myth that the current system is any cheaper than a public system is ludicrous. I'm not advocating either because both sides are full of buffalo feathers.
Posted by fascismsux on 2008-02-08:
I do live in Central appalachia and I understand that it is america's 3rd world state and I do have State Ins and I do need medical attention now , but , i dont even try to get medical attention locally because the local medical situation is of ' third world quality '. The doctors are utterly indifferent ,incompetant ,useless to do anything more than injure you .To me , They are terrorists.
I'm saving up for a trip to cuba .
Posted by Jambra on 2008-02-08:
Lidman does make some good points. And not saying that all universal health care systems work. Some work better than others. Germany does have a better system than the UK, and that's why some people go there. It's important to create a system based on one that works. Right now, the U.S. has a system in which huge insurance companies - not your doctor - decide what and how much care you receive, how long you'll be in the hospital, etc. These decisions need to be put back into the hands of doctors. And I can't believe how many people buy all the right-wing baloney out there.
Posted by Anonymous on 2008-02-08:
Jambra, some one is lying to you!

I will have to agree with Stew's statement because it's a good point.

fascismsux, you too have a point but going to Cuba for anything other then cigars or the gamble is signing your own death warrant and if you really believe that idiot who did that so called documentary which he just did to show he could make money off of stupid people then go for it and may God have favor on the unlearned.

WARNING: This review will self destruct in one hour or be moved. Why? Because it is getting interesting.
Posted by fascismsux on 2008-02-08:
Jambra - where is the outcry from the doctors . Why dont they use their CLOUT and financial resources to help solve or even address the problems ,? I think its cuz they dont really care about much except their own profits - American dr's are just rotten sob's- what makes them that way and how can THEY BE REPLACED are the relevant questions .They sure can act effectively aginst being sued , huh?
Posted by Anonymous on 2008-02-08:
The problem in the US isn't so much who pays for it but it's the cost itself. We have turned medical care into a big profit industry with virtually no price competition. I'll be honest I could care less how much my medical provider charges because my insurance pays it... but then again since I have BC/BS the negotiated cost for services are far lower than the average person would pay for the same. The whole thing is a sham. It doesn't solve a darn thing having the government write the check instead of the insurance company.
Posted by Jambra on 2008-02-08:
Interesting, Stew. Universal Health care doesn't work that way. The government doesn't write any checks. Insurance companies still exist, and they still insure all the people. However, they're not allowed to deny anyone coverage for any pre-existing condition or other reason. Monthly rates are regulated and so are the costs of health care. And it works. Nobody tells me which doctor to choose, and I might have to pay some out of my own pocket if I want elective surgery (e.g. plastic surgery). I'm 44 now, and it scares me to think that if I return to my country to live, I'd be denied coverage for everything I've ever had in the past (broken arm, etc.)
Posted by Anonymous on 2008-02-08:
Again I find myself agreeing with Stew and that is just what I am saying that we need to get control of the Government and make them do what they are supposed to do in the first place which is to be “OF the people, BY the people and FOR the people” not for the profit of the corporate world. The first and most important thing to do is take away the “LOBBIEST” and special interest groups that in fact BUY your elected official and your freedom.

As to the Doctors that do wrong so they can make a profit, take away there money and put there criminal butts in jail just like any other criminal.
Posted by fascismsux on 2008-02-08:
Lidman - I havent seen Sicko- yea there is a, the grass is always(or hopefully) greener on the other side aspect here, but After a lifetime of medical neglect in the good ol USA I feel thoroughly convinced that - you either own the system or the system owns you- different ways to do that , I guess.
Posted by tnchuck100 on 2008-02-08:
If we did away with health insurance...completely. 100% of the people/businesses stopped paying health insurance premiums. Doctors/hospitals would be forced to charge what people could afford. They would no longer be able to dictate to an insurance company what they want. The insurance company never cared, they always passed the cost on to us anyway.

I have heard people say "I don't care what it costs. How do you place a value on your life?". Well, it is that very attitude that supports the doctors, hospitals, and drug companies when it come to high costs.

Much of the research that goes on results in procedures that are so expensive that only the VERY rich could possibly be helped by it.

Cure for cancer? There is far too much money being made in treatments to ever release a cure.

Health care = big business. Just like banking!

JMO
Posted by Anonymous on 2008-02-08:
*EDIT* Dang it Chuck you beat me to it..... but you're a good man all the same. *END EDIT*

The stew plan -- Do away with all medical insurance and government subsidies. Put that cash in the pockets of us Americans then the let wal*mart cost cutting philosophy take over. It's worked pretty darn well for TVs and computers why shouldn't it work for medical care. Sure maybe all you can afford is Dr Nick Riviera or maybe you choose him out of frugality but either way let HONEST capitalism solve the problem. I for one would welcome a menu board at my Dr's office showing prices and this weeks special or the local hospitals getting in price wars.
Posted by Jambra on 2008-02-08:
Three types of American medical insurance:
1. Those who are very rich and probably do not need insurance (but have it anyway)
2. Those who have and are denied treatment or have to deal with huge deductibles.
3. Those who are not insured.

Lidman is right. Our government no longer works for us. They work for corporate America.
Posted by Anonymous on 2008-02-08:

Fasciamsux, I do understand your frustrations but if you must go somewhere else do pick Cuba or any place like it. There are many good places and Doctors in this country and they really do care. There hands are tied as much as yours and mine. There are a lot of doctors that go back to the emergency rooms so they can at least help people because the hospitals or the powers that run the hospitals don’t care about people just numbers.

If you look you will find these people, they are out there.
Posted by Anonymous on 2008-02-08:
More and more chuck you and I are seeing eye to eye on things. Kind of scares ya doesn't it?

Jambra - We can all agree on that.
Posted by Anonymous on 2008-02-08:
Good post Chuck and I might add that we pay for most of that recherché in the first place out of our taxes we pay in and then we are taxed on that again on the other end, why would the government want to help the people when they make so much money off of the very thing we are talking about? Just like the gas being so hi priced and the freaking government making so much more then the oil companies.

Some day you will all see I am right and then you will make me your ruler I hope you don't wait to long.
Posted by tnchuck100 on 2008-02-08:
Lidman, if I run for office and promise to outlaw lobbying completly would that get me elected?
Posted by fascismsux on 2008-02-08:
Lidman- their hands may be somewhat tied , but they like that apparently or they would complain huh?
i think what they are tied to is profit motives- they are tied to the stock market , to having medical boards that serve as buffers between them and justice ,to PR, to paying student loans , to mcmansion payments , to country-club memberships , to tropical vacations .
I have looked for good dr's ,havent found a single one- and its true that it would be hard for a good dr to exist in the todays environment You have tooo much faith man .
Posted by Anonymous on 2008-02-08:
First off, I'd like to say that my mom used AFLAC with no problems, whatsoever.

What this discussion has turned into is rather interesting. I think Chuck is hitting closest to the target.

The government isn't causing these problems. The insurance companies aren't causing these problems. Sure -- they are helping. In reality, WE are causing these problems, and, not turning down the 'help'.

WE are abusing the system. WE are the ones willing to pay for countless and useless tests, because WE are loaded, and money is no matter. WE abuse volunteer systems on a regular basis, for FREE medical treatment.

I know you are sitting there, and saying to yourself, 'Not me!'.
Posted by fascismsux on 2008-02-08:
leela - maybe you are a test abuser -but i couldnt get a test approved for any problem that wasnt causing a visbly severe and life-threatening bloodloss- I dont think my 47 year old neighbor was getting too many test done by his (PEDIATRICIAN) either ,Yes, thats right (pediatrician ) right up until his quadruple bybass, He needed test.He needed real dr.
Posted by Anonymous on 2008-02-08:
Uh, your 47 yo neighbor was seeing a pediatricion?
Posted by tnchuck100 on 2008-02-08:
I am diabetic. I go to the doctor every 6 month for blood work and an office visit. A nurse draws blood. A lab analyzes it. Separate charges for each.

Then I see the doctor. During this time he looks at the blood work results and checks my foot. We have just expended 5 minutes. The charge? $139.00. How can you possibly justify this?
Posted by Anonymous on 2008-02-08:

"Lidman, if I run for office and promise to outlaw lobbying completly would that get me elected?"

Yes I do Chuck but they would KILL you before you could get there.
Posted by Anonymous on 2008-02-08:
I agree, Chuck. Every 3 months I have to do fasting labs (pay a co-pay), then return a few days later for my check up (pay another co-pay). There is no justification.

Case in point -- Heath Ledger. Why in the heck is someone so young, on so many prescription meds? Dang, he must have had a very stressful life. Oh, wait. Maybe it's just that he could afford to see many docs, each prescribing him something different.
Posted by MSCANTBEWRONG on 2008-02-08:
I do not have statistical numbers of people coming into the US for medical treatment nor any other country for that matter. Nor do I have statistics of US citizens going to other countries for medical treatment. My point was the limitations and concerns and costs for health systems that are government run. I realize that the cost of healthcare in the US is out of control and there needs to be some changes. I just don't think giving more control to the government is the answer. I think we pay enough in taxes for the existing government run programs and don't want to pay for more. While I don't use nor qualify for public assistance programs, I do understand that a lot of people need and depend on them, but at the same time there are too many people taking advantage of the programs which just cause a burden on the tax payers. I'd rather pay for my own medical care and coverage not everyone elses. Stepping down from my soap box...
Posted by Anonymous on 2008-02-08:
Chuck, our family doctor dropped out of our health plan and is now an "out of network provider". She said when she took insurance she could only spend five minutes with a patient. Now she guarantee's a minimum of 20 minutes with each patient. We pay her in full, she gives us a copy of the bill and we send it in for reimbursement. I don't like what she had to do but she did it so her patients could start getting some quality time with a doctor. She claims she is now making more money, seeing fewer patients a day and is giving better service to the ones she see's.
Posted by fascismsux on 2008-02-08:
Lidman- i would vote for that ---leela- i think he still sees that pediatrician , the dr is also very old and doesnt hear well or speak great english- i saw him myself-he was useless except to the drug salesmen that frequented him- Lots and lots of adults see him , cuz they are poor and thats all their is for them .
Posted by fascismsux on 2008-02-08:
The problem here is priorities - The people that are against a govt run healthcare system do so mostly because they dont want to pay more taxes for it - healthcare isnt the priority - decreased taxes are the priority - of course , if you cut defense spending by half a trillion or so you could get a good healthcare system with no tax increase, but thats too complicated , i guess.
Posted by Jambra on 2008-02-08:
well said, fascismsux
Posted by MSCANTBEWRONG on 2008-02-08:
Clinton cut defense spending, closed down military bases, put lots of people out of jobs because of it. Military spending has increased to get the US back to where it needs to be to defend our country. Cut the pork out of the bills that are trying to be passed and you'll see significant dollars saved there...
Posted by Anonymous on 2008-02-08:
Good point fascismsux and a nice dream but I disagree because it is not the tax thing with me but the lack of health care that would be available under this system that is what will make it not work, Cutting the defense bill just a little would open us up to a world you and the rest of the country are not ready for in any way shape or forum. Health care would move to the bottom of the list very quickly I am afraid.
Posted by Anonymous on 2008-02-08:
That Bill Clinton was the root of all this. Gawd dang him and his 8 years of unprecedented economic growth and prosperity. What the heck did he ever do to keep us safe from the evil doers who hate us because of our freedoms. Just goes to show you why I only eat FREEDOM FRIES!!!
Posted by MSCANTBEWRONG on 2008-02-08:
I'm not blaming Bill Clinton for anything. I just stated a fact. As for economic growth and prosperity, that was directly influenced by the Reagan years. You started to see the decline of growth at the end of Clinton's presidency.
Posted by Anonymous on 2008-02-08:
MS, very good point!

Stew, stop that NOW!
Posted by Anonymous on 2008-02-08:
MS - I totally agree. Everything good that happens by the definition of good has to be the result of a Republican policy and everything bad is because of those stinking democrats. I'm with ya... Most of the 9.2 trillion dollar national debt was incurred under republican leadership but that was only because they had to clean up after the democrats.. 9/11 happened with republican at the helm but we all know that was because of BILL CLINTON a democrat who was out porking the fat girl instead of taking care of bizness... I agree with you and thats why I want a constitutional ban against democrats. That's the only way we can win this war of terror.
Posted by fascismsux on 2008-02-08:
MSCANTBEWRONG - we have a military presence in 130 countries (last I heard )- we have something like 15,000 nuclear weapons (you think we need more ??)- Dont be scared of those terrorist goatfarmers, they wont hurt you ! and job creation through unnecessary militarism while civilians cant get adequate medical attention or avoid bancrupcty as the result of being treated is INSANE .
Posted by Anonymous on 2008-02-08:
facismsux -- We cut military spending in the 90's...hmm how did that work out? Anybody remember 9/11. Until we spread US friendly democracy all across this world we'll never be safe. I don't want the smoking gun to come in the form of a mushroom cloud... And what good is medical care if we are all dead? I say it's more important to be secure than free.. health.
Posted by fascismsux on 2008-02-08:
lidman - describe that world that we are not ready for -I dont get what you are trying to scare me with.
Posted by fascismsux on 2008-02-08:
stew - haha
Posted by Anonymous on 2008-02-08:
"a constitutional ban against democrats", I think our friend Stew has come up with a new constitutional amendment.
Posted by Anonymous on 2008-02-08:
facismsux -- You're kidding right... seriously kidding.. Do you not watch Fox News? There are terrorists and boogiemen everywhere just waiting for the day this country puts a democrat back in the office... Come on man quit being brainwashed by the liberal media and switch the channel over to Fox.
Posted by MSCANTBEWRONG on 2008-02-08:
Stew, I didn't say that. I made a statement in regards to your statement. You threw all the other junk out there. Do I think the Republicans spend too much money?? Yes. But I also think the Democrats spend too much as well. 9/11 happened with a Republican at the helm...sure did but the Democratic president had an opportunity to take Bin Laden a year or so before and turned it down. As for porking a fat girl...hey it is what it is.

Fasci,
I didn't say anything about adding more nuclear weapons. I just said that our defense needed to be brought back up to speed due to extensive cuts during the Clinton years. Yes, we most likely have a military presence in that many countries. Question for you...when a country gets in trouble, economically, militarily, or for whatever reason, who do they ask for help??? Send us your money, send us your military, food, medicine, etc...then we become the bullies...give me a break!
Posted by Anonymous on 2008-02-08:
You are 100% right MS... especially about Bin Laden. Now I forget which 9/11 hijacked plane was he on? I guess it doesn't matter so long as he met his fiery death. I tell ya I just HATE THE EVIL DOERS and I have no love for flip-floppers either.
Posted by Anonymous on 2008-02-08:
fascismsux, I'm not trying to scare you with any word the TSA does a fine job of that with out any help. But I wish you would not take that tone with me , it's not very nice.
Posted by MSCANTBEWRONG on 2008-02-08:
who's flip flopping?
Posted by Anonymous on 2008-02-08:
Stew, you are starting to talk like you need your pill again? And you being the king of flip-floppers!
Posted by Anonymous on 2008-02-08:
That Willard 'MIT' Romney was flip flopping floppity flipping all over the place. We should known he was bad news being from the People's Republic of Massachusetts like that purple heart cheating original flip flopper John Kerry.
Posted by Anonymous on 2008-02-08:
Lidman - Tell me some more about the evildoers and the unspeakable truths that will happen when Billary gets into the white house.. come on liddy I needs me some fear. Help a NIC out ... The Fox & Friends were a little lame this morning.
Posted by fascismsux on 2008-02-08:
MSCANTBEWRONG- the BEAUTIFUL thing about having 15,000 nuclear weapons is that , having that , ya dont need 22.caliber bullets and shotgun shells and such things ,so much . seems I do recall an offer of like a million dollars by the US after the big tsunami- we were ridiculed internationally - of course countries like haiti and phillipines and United fruit colonies that are impoverished by our predations must beg someone for help in hard times - and then theres countries like Iraq where we have killed 1,000,000 ppl , who now need assistance , and should we cancel out donations with the negative effects of our economic sanctions ?
Posted by Anonymous on 2008-02-08:
Stew, I even forgot about (Billary) now I am scared son but I know you would do her, so I feel protected.

fascismsux, you know that was a pretty dum statment, don't you? I hope so....
Posted by Ponie on 2008-02-08:
Truce for Pete's sake! Truce!!
Posted by Ponie on 2008-02-08:
I have a headache.
Posted by fascismsux on 2008-02-08:
Lidman- No I damn sure dont know that! And I'm still waiting for you to explain yourself ! I think stew is too. You shouldnt make such grandiose statements as you did and then ignore it .... ENLIGHTEN US
Posted by MSCANTBEWRONG on 2008-02-08:
Stew,
To be quite frank, I'm a Republican, but I don't like Mitt, John M, or any other republican running for president. I don't like Hillary or Obama either. So at this point, I don't know who I would vote for in the presidential election. I like George Bush overall BUT I disagree with him on quite a few issues. Immigration being at the top of the list. By the way sarcasm becomes you!! I like it!

Fasci,
I'm not against the US helping any country in need. My point is when we do, we're still hated by all regardless. Everyone wants our help but still wants to villify us. With respect the the 1 mil people killed in Iraq, I would dare say that a large percentage of those killed were killed by insurgents...if we pack up our toys and take our ball home, we'll be villified because we left a people in need of protection. If we stay, we're villified because we're sticking our nose where it doesn't belong. Bottom line is, whether our men and women are in Iraq, Afghanistan, or Timbuktu, they deserve our support and loyalty not ridicule or scorn for doing their jobs.
Posted by Anonymous on 2008-02-08:
OH, shame, shame and here it goes the end of a good discussion.

Let me just say that I don’t owe you or Stew anything at all much less and explanation of anything and under the tone at which you demand it, I will surly not answer and bid this review a good day.
Posted by fascismsux on 2008-02-08:
MSCANTBEWRONG- you would have to clarify - whom you think we are helping and maybe even explain why we should' help' ppl
who dont want us too. and further explain please what help means , Is shock and awe help? and also - everyone wants our help? I dont think so , Ask hugo chavez,Iran , bolivia , russia , china , argentina .... No wait ask me and my fellow citizens if we want some help , yes we do, we do , help us please, please, please . Nope no , help for us american wage-slaves .
Posted by fascismsux on 2008-02-08:
lidman- have a good day my friend
Posted by fascismsux on 2008-02-08:
gotta go -bye yall
Posted by MSCANTBEWRONG on 2008-02-08:
Ya know, maybe you would be happier living in Venezuela, Iran, Russia, China or somewhere else. I mean there you wouldn't have the ability to express your opinions as you so eloquently do here in America and your decisions would be their decisions. Then you could become a wage-slave for them although making significantly less money. We are never going to agree so maybe its best to agree to disagree. You have your opinions and I have mine. This can drag out until the end of time with no resolution. Thank you for your opinions. I enjoyed the sparring.
Posted by fascismsux on 2008-02-08:
MSCANTBEWRONG -Well , venezuela wouldnt be so bad if we would stop trying to enforce coups and such there -i did use to keep up with goings-on in VE. . over the last 7-8 years they had so much media freedom that almost the entire media was against their populist president. And IMAGINE THIS - the population had the right (and exercised it twice ,I think) to have a referendum on whether or not to revote for their president DURING HIS TERM - Can we do that=NO!!- here , as of late , the supreme court or diebold desides which elitist snob will be our president. sad , isnt it ?
Posted by Dave R on 2008-03-20:
Back to the AFLAC claim. You need the person that sold you your policy to help you file your claim. AFLAC has all the claim forms on their website and they have several. Its not different than any other insurance company. If you have an auto accident it won't do you any good to call it into your health insurance company. If you have an sickness claim, filing it on an accident claim form will result in a letter asking you to refile it. You AFLAC representative can help you with this simple process. My problem with AFLAC is not actually with AFLAC, its with the agents who sell it. "Overpromise and underdeliver......" When you buy a policy from AFLAC it is what it is. Read through the policy and that's what you get. If it's an off-the-job disability plan, it's not going to pay for on-the-job disabilities. If it is an accident only plan, it's not going to pay for illnesses. If your house burns down, your auto insurance isn't going to help you. The agent that sold you the plan got paid a commission for that sale... and the servicing on that plan. If you have a claim, make them earn it. If your agent is no longer around, which is entirely possible if you have had your plan for 10 years, then call the closest office because someone can help you.
Posted by Grtcvg4u on 2008-12-02:
Where is your agent? Why don't you contact your agent to assist you with your claim, that's their job. If your agent is no longer with the company, or is not giving you the service you deserve, call the Manager at your local office and get a new one. No agent worth their commissions should be referring their policy holders to customer service. A good agent will help you get the most from your policy.
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Lies, Lies and More Lies
Posted by Hunsaker79 on 03/29/2013
COLUMBIA, SOUTH CAROLINA -- In November 2011 I signed up for the Aflac critical illness and hospital indemnity plans after hearing their spill during my company insurance sign up. At the time I was seeing a cancer doctor for MDS [a form of bone marrow cancer] and informed the sales reps of it and was told if I signed up during the registration Aflac was waiving all pre-existing conditions but if I did had a pre-existing condition I would need to wait 6 months before filing a claim. In January I was diagnosed with MDS and filed a claim in May 2012. My claim was denied because Aflac stated there was no evidence to support my condition as being malignant. I appealed and was denied a 2nd time because of it being a pre-existing condition because I was being seen by a doctor at the time I signed up.

I contacted my company representative for Aflac back in November 2012 and was told I was misinformed but to send her the paperwork and she'd try to push my 2nd appeal through.

As of March 18th nothing has been done, so on the 24th I filed complaints with the BBB, Idaho Department of Insurance, Idaho Attorney General, and my company HR department. I also sent my complaint to a local TV investigative team. I am telling others about this because I believe a company should stand behind their what they say and Aflac isn't.

I have even sent Aflac 2 letters from individuals present in the meeting that heard the sales reps tell me Aflac would waive any pre-existing conditions.

     
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Posted by Obsfucation on 2013-03-29:
We had AFLAC where I work. Everyone who filed a claim experienced pretty much what you did. After a year, my employer gave them the boot.
Posted by madconsumer on 2013-03-29:
since you enrolled in november for open enrollment, your new coverage starts in january. the 6 month clock starts jan. 1
Posted by Susan on 2013-03-29:
What did the paperwork you were given when you signed up say about pre-existing conditions? The sales people that come to companies representing insurance companies are just that - sales people. The contract overrides what they say every time.
Posted by JR in Orlando on 2013-03-29:
To me it is unclear how AFLAC did not do exactly what they said, and AFLAC certainly did not lie. As the op states he was told: "if I signed up during the registration Aflac was waiving all pre-existing conditions but if I did had a pre-existing condition I would need to wait 6 months before filing a claim."

A reasonable interpretation of this is that AFLAC was providing coverage, even if one had a pre-existing condition: ""if I signed up during the registration Aflac was waiving all pre-existing conditions"

However, if one had a pre-existing condition, one could not file a claim for 6 months: "if I did had a pre-existing condition I would need to wait 6 months before filing a claim." As madconsumer said, the six months started on January 1st, the claim was filed in May - within six months--denied because within 6 months. How exactly did AFLAC not do what they said?




Posted by Avis on 2013-05-10:
After an extensive search and emails to AFLAC, I am unable to find a consumer rating for this company. What are they hiding?
Posted by Aflac on 2013-08-03:
A rated company and voted to the World's Most Ethical Companies List over 6 years in a row.
Posted by Karna on 2014-01-10:
The real question is: Who is voting for the world's most ethical company ? Seems fishy to me. I have worked for 3 companies in 27 years. All 3 companies fired Aflac.
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Failure To Tell
Posted by Freebird88021 on 03/24/2011
Dot your I's and cross your T's with these people, they only tell you what they want you to know just to get you to sign up...For example Your taken while on the job but it's not a work injury, your taken to the local hospital ER. Then your put out of work for 5 days, the the doctor puts you back to work for about two weeks then takes you back out and so on for 3 months.

Guess what your stuck with the in this case some are more than $810.00 ambulance ride, and because the Doctor does not keep you out for 15 days straight you nothing. You must be out for 14 or 15 consecutive days before you get a dime..

Good luck with these people ...
     
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Posted by Anonymous on 2011-04-13:
You should have read your policy. After singing up a copy of the policy is mailed to you. There is no fine print but big bold print. No policy covers everything. Disability policies only cover disability, if it was on the job then that is for workers comp. If you have an accident policy then it only covers treatment for accidents. It is your responsibility to know what your cover is. Don't be made at the company because you paid without reading your policy. They made it available to you and you choose not to read it.
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The Same Old Run Around
Posted by Mr561 on 11/03/2010
My wife's father recently died (Sept. 2010) due to an electrocution on the jobsite. My wife and I sent in all necessary papers per the supervisor. Since everything was filed and recorded we are yet to receive benefits. We were told that they have to submit a review to the attorneys??? We sent in police reports that stated what/when and how the accident happened....toxicology reports that were clear of any illegal substances, investigation report from OSHA, Med records showing good physical health and still nothing.

I know they are not in the business to pay out but while the money is sitting in an interest bearing account that is to be paid to my wife...is she entitled to interest made on money that is legally hers? Med bills are building, funeral home is hounding us! does anybody have any advice for us.

Thank you
Matt & Tarin Saroka
JMSaroka@yahoo. com
     
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Posted by Anonymous on 2010-11-03:
Hope they pay out soon. I was named primary beneficiary on my boyfriend's policy, and the ins. co. never said anything was not ok with that when he submitted the paperwork, but when he died, they said I could not receive the benefit because I was not a spouse. He should have been told that when he submitted the policy paperwork as he was counting on me receiving it, He could have made other arrangements with another ins. co. had we known.
Posted by jktshff1 on 2010-11-03:
FIRST, get your personal info off here.
SECOND, get yourself an Estate Attorney NOW. Cost a few bucks, but worth it. Ask your friends.
Good Luck
Posted by leet60 on 2010-11-03:
+10 jktshff1. Get yourself an estate attorney is exactly the thought that I had. They will not only be able to run interference for you on the medical bills and any other outstanding debts of the deceased but a letter from any attorney gets the attention of insurance adjusters.
Posted by Steve1977 on 2010-12-01:
I'm sorry to hear about your loss. "The review of the attorneys" that you are confused about is that you must submit legal documents naming you the executor of the estate in order for their legal division to review to determine if that is valid to release information. Releasing information without that would be a privacy violation. That is federal law. I'm sorry to here about your frustration but Aflac tries to find every reason to pay a claim. If you haven't already done so you should submit the documentation naming you the executor and once that is done call customer service and to get specific information on what is covered and what information is needed.
Posted by chris on 2012-02-14:
Steve1977, and once Mr.561 provides all the correct documentation and calls customer service for specific infor and what else is needed, he will be given the same load of crap that he has received so far... more double talk and promises and more delays and more frustrations... THIS IS NOT AN ACCIDENT - THIS IS BUSINESS AS USUAL... read the other comments. Mr561, get a lawyer! That's when their game playing will stop - not until!
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Flex One
Posted by Mel_momOF2 on 07/20/2010
Flexible sending account with Aflac in my opinion is the worst thing ever.

It takes Aflac A TLEAST 10 days to process a claim. I Fax them (aflac) At least 10 days early and some how it takes LONGER to receive MY money to pay daycare. At the end of this physical year (dec, 31 2010) I WILL be canceling my Flex One account with AFLAC. So half my paycheck goes to bills and the other half goes to daycare, so I have been paying my daycare with my bill money and living off pretty much nothing. Aflac customer service IS NOT rude but they are also not helpful either. I just got off the phone with a [snip] it took [snip] 15 minutes to tell me if my fax was received and what possible day I might have money. I say possible because it take 72 hours to process a Direct Deposit. I faxed AFLAC Tuesday July 13th 2010 and they said they MAY have it at my bank Friday July 23rd 2010. so I won't be able to touch the money till Monday July 26th 2010.

I wish you luck with AFLAC, and I hope you have a better experience then I have.
     
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Posted by goduke on 2010-07-20:
It only takes them 10 days? That's pretty good. When I've used flexible spending paper claims processes in the past, it's taken up to a month for the claim to be processed and paid.

What kind of turnaround do they promise?
Posted by saj80 on 2010-07-20:
The flex spending account administrator our company uses turns valid and approved claims around in 3 days or less, which is very good. However, my problem is their determination of claims, and when questioned, always cite IRS regulations (which I'm sure is true, but can't verify). I, too, will be cancelling my flex spending plan at the end of this year, and go back to paying my share of expenses with after-tax money.
Posted by goduke on 2010-07-20:
Oh, the FSA rules are changing big time in 2011. Lots of OTC stuff is being pulled out. It's going to be a real mess.
Posted by Anonymous on 2010-07-20:
That sucks goduke. There's hope and change that pisses me off.

My FSA is really quick on the automatic stuff like co-pays, prescriptions and anything other out of pocket expense known by my health insurance provider. The mail in receipt stuff I'm not real sure because they're always kicking it back. I don't care what the fsa admin says my Miller Light is purely therapeutic and medically necessary.
Posted by Mel_momOF2 on 2010-07-21:
72 hours to prosses a fax, and 72 hours to procces the direct deposit.
Posted by Trance1015 on 2012-10-16:
Ten days is actually pretty fast for that industry.
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Flexible spending account
Posted by Mary-quilts on 10/19/2012
Easy to start hard to get money back even though it's my money. First claim was denied, reason was not enough money in account. I understand that. Resubmitted claim later, again denied, reason already submitted, though it never was paid. Next claim dened, said receipts were not legible though the agent said there was nothing wrong with them.

     
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Insulting Commercial
Posted by Holdenjudithlm5 on 06/25/2011
I hate your new commercials! I would never buy anything you sell as I have to change the channel when one comes on. Annoying and stupid! Stop thinking the public finds this funny or interesting! I'm sure those poor birds agree with me. PUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU
     
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Posted by old fart on 2011-06-25:
I agree, the AFLAC duck should have been turned into a roast years ago.
Posted by Anonymous on 2011-06-25:
They fired Gilbert gottfried, and got someone else to do the Ducks voice. And the new voice is lame.
Posted by old fart on 2011-06-25:
Wally... the whole concept is lame..!
Posted by trmn8r on 2011-06-25:
Right. Gilbert and the duck are interchangeable.

Look at the title - "Insulting Commercial - Stupid Annoying Duck"

Tell me that by substituting "Gilbert" for "Duck" it doesn't mean the same thing. Go on!
Posted by madconsumer on 2011-06-25:
the commercial is doing exactly what was meant. getting peoples attention.
Posted by Venice09 on 2011-06-25:
I don't know why people always say attention is a good thing. If something annoys me enough, I tune it out. And I have a feeling I'm not alone.
Posted by old fart on 2011-06-25:
Mad....Flashing yourself in the middle of a crowded church would get attention too!

This about as senseless as the AT@T "Hey Marcel" commercial
Posted by trmn8r on 2011-06-25:
Venice, I can hear you but your voice is waning!
Posted by jktshff1 on 2011-06-26:
Seems it's working....folks are talking about Aflac...and that is what advertising is all about.
Posted by Teresa on 2013-08-23:
Your speech therapist is the poorest example of someone in our field. NO SLP would ever conduct therapy...as if trying to teach someone to stutter like this girl. Your commercial is a joke...I wish you had taken the time and consulted with a professional before you made a laughing stock of yourself. The actress is horrible too. She knows nothing about speech therapy...and who does therapy with a duck anyway?. Can't wait for it to be off the air.
Teresa Clement ms, CCC-SLP
Certificate of clinical competence, speech/ language pathologist.
Posted by Lona Cornett, CCC/SLP on 2013-09-14:
This commercial is a slap in the face to the hard-working professionals who provide speech therapy. What an embarrassment!
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Duck DooDoo
Posted by RebekahAtheliah on 04/12/2011
I purchased Aflac 2 years ago and never filed a claim until a few months ago. I had to see a Cardiologist.... office visit $500.... he did tests ... and I had one trip to the Emergency room where the Cardiologist administered a medicine to Reset my heart. All of this totaling $8,000 Aflac paid me my $25 x 4 for Dr. Visits I did not use for the 2 years and a Big Kiss my @$$ for the rest of the bill.
They are NOT going to cover me for anything more than the $100 because they said that they do not pay for tests and xrays. ????!!!!! WHAT? It took those tests to figure out what the problem was BEFORE it became something Major.
     
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Posted by trp2hevn on 2011-04-12:
I would think that it would be the health insurance that would cover the tests and x-rays, not an AFLAC plan. I think it depends on what kind of policy you have too. Now if you have a hospital plan and were admitted to the hospital then you may have gotten some benefit from them (depending on how long you were there). If you have a short-term disability plan, that would probably take like a week of being out of work for whatever ailment. Sounds to me like you misunderstood what the whole purpose of AFLAC is or you don't understand your policy. AFLAC is not health insurance.
Posted by Sophia Marie on 2011-04-12:
Aflac is not medical insurance - it is supplemental insurance to help pay for living expenses should the policy holder be deemed unable to work.
Posted by momsey on 2011-04-12:
Do you have health insurance? Did you research Aflac before you signed up to see what they would cover? As the others have said, Aflac is not a health insurance, so I'm not surprised that they are not acting as one.
Posted by Skye on 2011-04-13:
What does your AFLAC policy say about what and what it will not cover? I thought AFLAC is for when you are cannot work on a temporary basis, due to health issues, and they will pay a percentage to you, until you get back on your feet.
Posted by Anonymous on 2011-04-13:
I'm sorry for what are you going through but how are they going to pay you for those tests when the policy does not have benefits for those. They review claims based on the documentation received not the charges. If it is not covered then it is not covered. Please read your policy. It outlines what is covered. And there is no fine print in the polices but there is big bold print but post people don't take the time to read it.
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