Aflac Dental Insurance Reviews

It was extremely inconvenient to turn in a claim. I had to call customer service and be on the phone for almost an hour before someone finally emailed me the form I had to snail-mail to the claims department. All other companies allow this to be done online or by email. That alone was ridiculous. Then, I got a letter back saying the form wasn’t filled out all the way. It was, I had made a photocopy and double checked it. So I resubmitted it. Then, I got a notice saying they won’t be paying the claim, despite the services we received being expressly covered in our contract. This is not only a breach of contract on Aflac’s part but quite possibly a violation of the law. Our experience with Aflac has been nothing but terrible. This company is a scam. We will most definitely be telling everyone we know to stay away.

Aflac Dental is more than Happy to take your monthly premium, but when it comes to paying a claim, they will do anything and everything possible to deny your claim.

I would give 1/2 a star if I could. I had an Aflac dental policy for 20 years. For the first 18+ years they collected premiums from a paycheck allocation. When that was discontinued I gave them my checking account # and bank routing # for the monthly premium payments. They made a mistake and missed a # from my account # so my premiums were not paid for about 6 months. I caught the mistake, corrected it, and made back payments to cover the six months of missed premiums. During this time terminated my policy, then reinstated it, then failed to provide coverage towards a crown. Their justification was that the reinstatement made me a new customer. I put all the effort in to finding out what the problem was and to correct it.

I have Aflac through my company, and I recently had to go to the dentist. I was very impressed with how quickly they reimbursed my claim. I’ve always heard great stories about Aflac, and now I’ve experienced it myself!

A complete waste of money. You will never get your claim. First, they say that you only fill out a form, and they just keep adding forms to send in so that you get frustrated and give up. Trash company AFLAC DENTAL.

This company is a scam outfit. I called and explained the dental treatment my son was having done in detail. They said their plan would cover up to $1200 max. For the work being done. I confirmed twice with them and then decided to sign up for their plan. Once my son had his dental work done, they denied all the claims except $50 on one. I was furious. I had to resend documentation 3 times... They kept losing it. My dental office even sent the info. Twice. Only after me tracking down the CEO on Linkedin I finally got some attention and they still didn't honor what their rep. Promised. They only paid out 1/2 of what they promised.

The most terrible dental insurance I have ever had. I also work for a company and help manage the benefits and all the other employees have complained also. Dental claims are not being processed unless you call in and sit on the phone with Aflac customer service. Then 6 month later they may get paid. I have been trying to fix the spelling on a dependents name for 5 months. The agent called customer service, 2 months later I called customers service. Customer service said only the agent can change it. So I sent in an email with the agent CC'd in it and the agent called again. Hopefully this gets fixed so claims can get paid. I also paid for my claims out of pocket 6 months ago and have still not been reimbursed. And yes, I turned in all the correct paperwork.

God forbid you have to do direct member reimbursement for any reason. They say 90 business days, I have been waiting 6 months. I filed my claim 2/22/2024. Unacceptable. They have every excuse not to pay it. "We didn't receive it, oh it's still in review." If you miss a premium payment they would be banging your door down.

In January I purchased the new Aflac Dental plan for $149 a month. I was told that cleanings and other services had zero waiting period. When I went to the dentist with my children my dentist filed a claim. One month after they filed the claim, Aflac said they did the form incorrectly. My dentist filed a claim 7 times. Numerous times I called (in excess of 20 calls) and Aflac said no claims were filed. I had itemized bills from my dentist that Aflac employees acknowledged that they had received. I was owed $1200. Aflac refused to pay the claim Claiming there was clerical errors. We did several 3 way calls. Aflac still refused.

I had a cleaning/exam and X-rays on 12/1/23 all of which should have been fully covered under my plan. My dental office submitted a claim. They were told it wasn't done correctly. After a few more times, they were told the same thing, I finally just paid out the entire amount and submitted a Direct reimbursement form myself in April. I have received nothing. Twice I have asked for call back from supervisor. Never happened, Many phone calls and no result whatsoever. Just lies and a runaround. Part of what I submitted was a claim for a crown which I was told would be covered. Well, that claim was denied within 2 weeks. Aflac should seriously be investigated.