AFLAC is a SCAM

Posted by trmn8r on 2012-04-30:

Can't you have the doctor's office fill a form out after the fact? Seems to me the staff could do it, but maybe I don't understand the issue.

Posted by jktshff1 on 2012-04-30:

Good post, thanks for the info & heads up

Posted by Anonymous on 2012-05-01:

How are they supposed to review a claim without claim information? Are they supposed to be mind readers. Generally, it is easy to file an accident claim although their can be some difficult situations. If their is an emergency, you should focus on the being treated first and filing a claim last. When treatment is in the ER you don't have to have the forms filled out, you can get a copy of the ER report usually the next day, but in some cases the discharge summary will suffice and this is given to you upon discharge, if not ask for it, make sure it shows the hospital's info, diagnosis and treatment date which it normally does. Be sure to include a brief written statement giving complete details of when and how the accident happened. This is not difficult. No one expects you to stop what you are doing to print out a form during an emergency. If you do that then you need to re-evaluate your common sense and priorities. If it is difficult to get information together, due to a busy schedule, I can understand that. There are no time limits on filing a claim and if you need help getting the information Aflac will help. Simply have the patient fill out the claims authorization form, provide a statement giving the date and details of the accident, dates of treatment and name and contact information of each health care provider for that treatment type of treatment recevied. For example: I fell on such and such date, I went to ER at such and such hosp - their contact info, mri at such and such - contact info, and so forth. The time it takes Aflac to get the info can vary as they are at the provider's mercy on how long it takes to respond. Some respond quickly, some takes awhile and some do not respond. This is not Aflac's fault. If you can get the info yourself it will be much faster. I'm sorry but we do not live in a perfect world. But I imagine if we had technology hundreds of years in advance, and people get paid immediately on the spot an obscene amount of money, they would still complain. Some people's attitude's are they will submit the claim tomorrow but they should have been paid yesterday. Of course no company is perfect and humans make mistakes but the thing I noticed in each different industry I have worked in, is that the those who do not have valid complaints usually complain the loudest. I just don't understand, you apologize for an error when a customer brings it to your attention and you apologize and they are like, that's ok, mistakes happen. But customers with invalid complaints often want to get ugly. I'm not saying that you don't have valid concerns but you have the wrong perception on how things work. I'm not trying to mean but I like to see people get full benefits out of their product. You can really be cheating your self if you are not careful and the company want know because you don't cooperate with them helping you. For example, I had an experience where someone called to find out if something was covered. Unfortunately it wasn't. However, there were many other benefits that was covered and would have been a pretty good amount and would have helped this person greatly, and to top that they were very easy to file for. Because this person was so focused on the one situation that was covered, and everytime I tried to tell them what they could receive, I kept being cut off and not allowed to explain and the person hung up without finding out. You can't help people who don't want to listen, talk over you, cuss you. When I have a problem with a company I do business with, I am respectful to the representative and often get results. I have a family to raise and like everyone else have problems but I don't blame my misunderstands on the company. Glad I don't deal with things like this anymore. Never again will I work in a call center

Posted by Lboots on 2012-06-09:

I just dumped AFLAC after have them for over fours years. I had four policies with them and the other thing I have EVER received from them was wellness exam money...100 dollars or 150 if you had an MRI. However, I had a claim for an animal bite...was seen in the ER...received a bill for 125.00 dollars...filed a claim with AFLAC that claim rejected. Received a bill for 494.00 for other medical services I had done. A bill my "major medical" did not cover...again rejected after I submitted it to AFLAC.
AFLAC claim forms are basic. You submit them..they requested additional info...I faxed it. They reject it. The company is a scam. I could have taken what I paid monthly to them and invested it. I am very angry with this company.

Posted by Anonymous on 2012-08-13:

Lboots, Aflac policies are very specific as to what the cover. What type of policy do you have? If you have an accident policy, the trip to the ER would have paid you for the ER visit plus a laceration benefit. If this is the case then you obviously did not submit the correct documents. The cost of your medical bills do not make any difference and what your major medical covered or did not cover makes no difference. Most people don't want to take the time to read their policies and then want to be angry when your claims are not covered. Just because you claim is not covered does not mean they are a scam. If it was denied then its just not covered under your policies or you didn't submit the information they told you is needed.

Posted by Stacey on 2012-11-08:

We have had aflac for 5 plus years now. We have never had a problem filing a claim. We just submit the doctors information and once we get the message in our aflac inbox print and send it in. That's all we have ever done no matter what the case may have been. Then once its sent in takes about 7 days to get our checks in the mail. I am submitting claims for a few years ago since I didn't know they covered certain things, now that I do, I can go back and submit. Sorry for everyone having trouble. We love aflac.