Aflac Dental Insurance Reviews

Paid in for a year and a half, they only cover 1 to 7 % of your bills.

I purchased dental insurance from Danny. He is a very helpful and courteous representative of Aflac. I will call Aflac again whenever I'm need another insurance coverage. 👍🏼👍🏼

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.

I started with Aflac for my dental insurance, first of all, their cost are not cheap, there have some companies have better price than theirs. And secondly they don’t follow the regular policies as other companies do, they do insurance reverse to policy holders which means we have to pay to doctor's full price and then wait for them to give you the money back. But now issues coming!

I called Aflac to see how much their dental insurance was, and how much it would cover for me. First I use the website and they were supposed to call me back but they didn’t so I called them. Then I was speaking with a woman. She said I could get the supplemental insurance in my state only and it cost $58 a month. I asked how much it would cover and she said she can’t tell me because she doesn’t know what the materials being used are. I said why would I pay that to you every month and you can’t even give me an idea of what’s going to be covered or what percentage of regular procedures will be covered. I gave her an example that a new patient visit was going to be $250 for me, which would include an exam, x-rays, and cleaning. That was her reply when I said, I guess you’re not going to tell me how much you will pay for me for $58 per month, lol. She started arguing with me and saying I wasn’t understanding what she was saying.

They have resolved the issue of canceling the policy finally. Still, it cost me $8 to get this accomplished, many hours of work, and many emails.

I bought Aflac Dental in Feb 2024 through USAA, as I am a veteran. I made my first appointment for cleaning and X-rays, for which it says there is no waiting period on the USAA website. A crack in my molar was found and repaired which was not covered due to the waiting period. However, my wonderful dentists have struggle for almost 8 months for Aflac to pay for the initial cleaning and X-rays, which I now paid for out of pocket in order to keep my upcoming cleaning appointment. Both my dentist insurance dept, and myself have repeatedly contacted the company, only for them to keep kicking the can down the road and still not pay. I’ve paid 8 mo of premiums at $49.75/mo totaling $398 and zero reimbursement to date.

Horrible company that does not answer their phone, I've been on hold for 1 1/2 hours 5 days a week. When I finally get thru they never receive my paperwork even though I sent to the email they gave me. I also priority mailed it. I contacted Aflac which I love and got my rep to help out. So I finally received a check with no information what they were paying for. I still have 2 claims that I resent again to my rep and a few times to different emails. I sent again 11/13/23 and I see they opened my email on 12/15/23 but still have not added to my account. Still waiting from February for my 2 payments. Don't bother wasting your money on this insurance company. Aflac company is great but not the dental. Aflac should drop them and not associate themselves with them.

Has a dental visit three months ago. It is now 12/6/23; the claim has still not been paid. They don't even have my documents even after submitting them multiple times. I have been given confusing and incorrect information after waiting on hold about an hour each time I've called. Given 4 different emails to send the claim to. Had to get my company's benefits manager involved with still no resolution. Terrible company to have insurance with.

I submit dental insurance claims for our dental office. Aflac received my claims back in June of this year, 2023. Still no payment. When I call them, I am on hold for approx 45 minutes. Then their rep tells me that they have all of our claims and they are still in process. I was also told they are having a issue with their system and no one is getting paid. They are unable to tell me when we will get paid. I am now done with them. Going to file with the Insurance Commissioner. They are a horrible company to deal with and would never recommend them to anyone!!

They don't pay claims in the 1-3 or 5-7 days. Like they say they will. They are taking their time to pay claims. They Advertise one thing and do another. Should not take this long to process a claim.

Since I’ve had the policy, I’ve called customer service several times, and customer service could not give me any information on the policy. They did not give me a full refund. They only gave me a partial refund. I went to the dentist and I couldn’t even get a routine check up or x-ray policy not useful. If you’re on disability, you will get ripped off..

My insurance card has another member's personal information on it! I am unable to use my insurance that I am paying for....When I call Argus I am hold forever. No one ever answered. It also applies to Aflac Dental and Vision Insurance. Agent not much help either.

I have never had a more terrible customer service experience that I have had with AFLAC Dental Insurance. You have to call an 855 number to talk to anyone about your coverage or benefits or claims and I have consistently over weeks spent at least 45 minutes on hold each time I try to call in. I will eventually get in and then they will tell me that the servers are down and they cannot help me and I need to call back in about 30 minutes. I have asked if there is an email, an extension or a way to put myself on a waiting list to get a call back to discuss a claim and they say, "No. You have to go back and sit on hold until we have time to answer your phone call."

I have to say even though I did find a better policy that worked for me, Aflac did make it easy to cancel, and they also DID refund me money. I was surprised that it wasn't going to be a hassle to cancel. Thank you.

I was told I would get my premium back if I called to cancel within a month and that never happened. Don't use Aflac. I'm very upset and want something done about this. I have never been this disappointed.

Have had a claim denied 2 times once when I did it and once when my Aflac rep tried it, only to get a bunch of ** from the company. Save money, don't pay for this scam of a company and stuck with this until end of the year.

Aflac dental really helps with expensive dental bills because it pays various amounts for various procedures. As with all dental plans the amount payable depends on how long you've had the plan. It does pay immediately for check ups and cleaning. It is never too late to file a claim and get paid. Even years later, if you had work done, have documentation from the dentist, you will be paid. Even if you cancel the coverage if you had coverage when the work was done, you will be must be, paid!

I have had most of my policies since 2004. I have Accident, Dental, and Cancer policies. I struggle with the majority of my claims on Dental. For instance, I had work on 10/9/2019 and put in a bridge. It took over 4 weeks for them to even acknowledge that they received my submission. Then when I was paid, they only paid me for one tooth. After noticing this I had to wait close to 2 hours to talk to a live rep to point out their oversight. Within two days they paid for an additional tooth but have now refused to pay for the final tooth since it was missing prior to work. I found this out and told them that the tooth was pulled in July of 2018 and that my policy was 14 years old at that point and I should be covered. So I submitted a services rendered sheet for all work done at my dentist for the last three years.

I have had Dental with Aflac for years now. I hardly ever put in a request for reimbursement, mostly because you have to wait a year before you can even use it but in the long run I was thinking it would pay off being a single mom of three. I did however turn one in on October 3rd which they said a month later that they would reimburse me 25.00 which is not correct, I had to research it myself to find out that they owe me more like 85.00. It's now December 13th and I have not been paid. I keep getting the runaround that they are re-reviewing it.

I faxed paperwork over towards the end of September for 3 dental claims. I know they’re behind but only 1 out of the 3 claims was processed and paid out. Every time I call I get the same answer. This is ridiculous.

April 15th I had a regular clean, xrays, etc. Basic stuff. I took the AFLAC forms for the dentist to complete. I had most of it filled out. By the time the account was fully paid it was July 2019! The dentist said #1 they lost the form. The 2nd month: they don't do AFLAC (I had advised them they had received payment from AFLAC before). They finally received payment, but it was to dentist no longer in practice. I insisted it was still sent, and their responsibility to track it. It went on and on. 3 months later, the office says, I still owe $50. I was glad I had my paperwork. I had proof of payment. When I've asked for help from my local AFLAC rep, they aren't much help.

Hello I requested a refund from Aflac Dental because I couldn’t never use them for my dental needs. I requested a refund for 5 months of monthly drafts from my checking account. Aflac sent me a letter that said no refund do but I never used the insurance because it wouldn’t pay for deep cleaning. This is my last attempt.

The process to start the policy was so smooth and easy and I was happy that my wife and I would finally be able to visit the dentist. Well, not everything was as perfect as I imagine it would be. I asked the representative who called me when I requested a Dental Plan through their website, that I specifically need it a Dental Insurance not a reimbursement or supplemental plan. He assure me that this was the kind of plan I needed, that everything will be fine, that I will be able to see a dentist in no time.

Filled out your forms to get a comparison of your dental insurance and cost. Could not get a review or match of an insurance plan. Tried 4 times with the same result. You just as well not have this website.

My wife picked up the policy quite some time ago when she received an offer in the mail for low cost dental insurance. For me getting insured was actually quite easy because I was added to my wife's policy with a quick call then about 10 days later we received the identification cards. The insurance is very easy to use and I am able to go to any doctor of my choice. Unless it's a basic service the dentist requires that all payments are paid ahead and the insurance reimburses me the difference. But the cost of procedures is quite high so unless it is just for a basic cleaning and checkup the cost out of my pocket is quite painful. The upfront payment is very low though and usually all I pay upfront or at all.

Aflac Dental Insurance is a good option that is not too pricey and is good for basic dental care. I chose my dental policy after completing the process online via the California Affordable Care website and the process was semi simple. I like that it covers a cleaning every 6 months and for a low monthly price. I only have one thing that I would improve which would be having the ability to find a dentist that accepts my insurance and being able to book appointments and access my dental records online. If I wanted to switch providers or if I needed to be referred to a specialist I wish it could all be done easily online.

Aflac is an insurance company that I could afford with a very small budget compared to other insurance companies because I had called a lot of different dental insurance companies and received really high quotes. They cover most of your out of pocket cost. Plus, they have really cute and catchy commercials that make you remember the name really easy. Also, they have great customer service and the process was simple. I got an advertisement in the mail & signed up afterward. The customer service wasn't long of a wait and the person helping me on the phone was sweet and understanding of what plan I needed to choose. I'm highly satisfied with using Aflac Dental insurance.

I had heard great things through a coworker is what got me initially interested. Was an easy process to get through the sign up process easily, took you by the hand and walked you through. Had any question I have answered on the spot by very knowledgeable agents with Aflac. Like the fact that their dental coverage was for the most part all encompassing. I would like it if they had one person who individually walked you through the process and after you signed up as well if you had any issues. Dealt with a few people which wasn't a major factor overall.

I heard about the insurance from my sister. She had been going on and on about how I had to switch over to this insurance company as I wasn't satisfied with my last one. I've never looked back. For once, my sister was right about something!! It was all purchased online with little effort. It seemed like a breeze! The people that I talk to on the phone about my insurance seem very helpful and kind to me. The claims are easy to file. They seem to genuinely care about making me happy so that I keep being insured by them. They are a fairly good company, I wish they would expand their coverage area, but all in all I am genuinely satisfied and feel I am getting what I pay for.

My policy was offered through my employment. I like that they helped pay to fix my families' teeth. It's also easy to contact someone when there is an issue, question or concern. Obviously, all dental plans fall short of actually covering dental needs of the insured which is something I don't like.