ARIZONA -- Denying hospital indemnity. According to policy, a 23-hour minimum stay is required (admitted to hospital). The UB04 I submitted clearly is for over 23 hours, yet they are denying claim based on number of hours of observed care my husband had, which was 19 hours. Where in our policy does it say anything about observed hours... nowhere! Lying, cheating, incompetent, waste of money and my time trying to get these morons to pay up. They misdirected the claim to cancer... not our mistake... theirs, I've re-filed this claim 5 times. I've been lied to at least 3 times. Would love to kick that duck in the butt so hard that my foot comes out of his beak!
SAGINAW, MICHIGAN -- Hearing lots of complaints about AFLAC but they all seem to be about the short term disability coverage. I had no issues with the STD coverage attached to my Accident policy. In fact, didn't even know I had coverage. AFLAC's best feature is their Sickness & Hospital Indemnity policies as I have both. Have made tons of $$$ having this policy, paying for Dr visits, MRIs, CTs, EEGs, EDGs, colonoscopies, pain clinic procedures, surgeries, etc...
They also let you claim back years. Now I'm claiming up to 6 years back, things I didn't even know I could get money for. You just call AFLAC and they spend as much time as needed telling you all the benefits or each policy and each year that you haven't claimed. Loving Aflac these days! These policies also pay well if you have to be in the hospital or undergo anesthesia.
NEW YORK -- I have been paying for Aflac for years with no claims. I finally had to have surgery. I have never had a more obstructive, difficult or opaque claims process. Everything has to be mailed or faxed, despite the fact that they say you can upload documents online. When I tried to start and online claim several times, those claims never showed up in the system and the claims representative couldn't find it. My mailed claim is still not in the system 5 days after delivery confirmation and I had to go through 2 people to confirm that they even got the documents.
They do not email or call (ever). They only send you a notification that the claim was denied (first try) because I did not have the correct supporting documents. The documents that would be sufficient are never detailed. I have paid more for the insurance than even the claim, and I doubt very much I will get that. Save your money and put it is a savings account - not worth the frustration and hassle even if you do ever get something. I wish I had read the similar reviews first.
EL DORADO HILLS, CALIFORNIA -- Every week, sometimes twice a week, another new face representing Aflac comes to waste our time trying to sell us door to door insurance. Each time we ask them not to return. They keep coming, a new person, normally 2, each time. I hate this company now, and by proxy, the people representing them. Each time I get more irritated, and next time I just might put the next solicitor's head through the glass door. If you work for Aflac selling insurance of all things door to door, you should really take a look at your life and be sad about the events that led you to work for Aflac. 1 star and I'm not a customer, nor will I ever be a customer now.
OGDEN, UTAH -- I would give it 0 if I could. I was a good customer for 4.5 years and when I got married I called in today (September 9th) during our company's "open enrollment" period to cancel because I have full coverage on my husband's insurance. They would not let me cancel. They told me I had to wait till next June!
Even though they told my supervisor a few months ago that she needed to wait till September for our company's open enrollment. We work for the same company! Do they just make this stuff up as they go? I feel like we are getting the run around. Whatever it takes to get more money from us. Never again!!! Think twice before you deal with this company. Too many bad reviews.
E TAUNTON, MASSACHUSETTS -- I was diagnosed with breast cancer and required a mastectomy. Within 2 weeks I had my check for first occurrence of cancer. I received $150 a day times 10 days to have a visiting nurse come in to check on my surgical drains. I received a pre-determined amount of money for every procedure performed. Money for biopsy, surgery itself, prosthesis, predetermined amount of money for anesthesia during surgery. Aflac did everything they said they would!!!
As far as my short term insurance from my employer, I received that 9 weeks after surgery. I would have been in such a jam financially, if not for Aflac, Every step of the way was easy. I do remember getting the impression that employers may have different plans that provide different benefits. My experience with Aflac was so positive my kids always say I should become an Aflac representative when I semi retire!!
CHESTERFIELD, VIRGINIA -- OK... So two years ago Aflac comes to the workplace and puts on a show... I bite and get it... Two years later I get into a car accident through no fault of my own... I spoke with my Aflac representative and she told me she was coming back to my work the next Tues. During that time I went and got doc reports and everything I could think of to get this thing through at a cost of $20.00 for paperwork fees.
The next Tues. I got with my representative and she told me everything looked in order. Three weeks later I call just to check on the claim because it seemed to be taking a [little] longer than expected... I was told that a letter had been sent to me requesting the police report... I never got a letter.. Even if I did, why send it to me. I don't have a police report, the police do. I was then informed that I would need to send in the report.. I said, "Isn't that your job at Aflac?" Then I was asked if I had a number for the police dept. so that they could get n touch with them to request the report. Um, the only number I have for the police is 911.
So, to make a long story short, I am still waiting for this claim to go through. Aflac does not make it simple for someone who is worrying about medical bills and their health to file a claim. It seems that they would rather have you the customer do it for them, and if not, they will just deny you.
TOMS RIVER, NEW JERSEY -- Having moved into a new area at the young age of 55 and starting at a new dealership because my previous place closed down, I confronted a fellow worker who was out on disability but had no coverage. It was at that time the Aflac representative appeared in our show room and after his talk gave us a symbol of your company (the duck). After careful consideration of my self and my family's history of diabetes I decided to give Aflac a try and enrolled in 3 policies. Well needless to say after 2 months in I came down with a rare condition called charcot foot (fractured foot from diabetes).
Having been out for almost a total of 5 months I can honestly say had it not been for the duck and me looking at it everyday and of course your great coverage, I might be very close to being in the poor house. Any one who thinks they don't need any kind of insurance policy to protect themselves in the event life throws you a curve better get themselves A DUCK and take a long hard look at it and your self. AFLAC AFLAC I can now return back to work with peace of mind.
BROWNSVILLE, TEXAS -- I had an accident at home and was out of work for 20 days. I made the claim and paid 25 dollars at the doctor for the paperwork. Aflac took 3 months after I took them everything they asked for and they send me a stupid 40 dollar check. I've been with them for 2 years now paying them 40 dollars a month and they send me a stupid 40 dollar check. They still charged me the month. Then where's the help.
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 denied, said receipts were not legible though the agent said there was nothing wrong with them.