Aflac

I had a hernia operation due to a lifting injury at home. I always open a patient portal when I go to a doctor or hospital. I had all the information they asked for and was settled in 24 hours. If I didn't have the portal it would have been a lot more work and time so make sure you open one whenever you're offered it. I was very pleased with them!

My husband injured his knee in early Feb. He went to Ortho doctor who sent him to physical therapy. After 6 PT visits the therapist referred him back to Ortho MD who ordered MRI which showed he had two tears to his meniscus and he needed surgery. I filed a accident claim and used the smart claim process and claim was paid in one day as advertised. My husband and I were very happy with the quick payment. I noticed that MRI benefit was not paid and called AFLAC and pointed this out. This claim was then paid within 2 days. He is having surgery tomorrow and will file claim for surgery benefit. AFLAC was great. Quick pay and I was impressed with the professional customer service when I had to call. I have told co-workers and told everyone they needed to get AFLAC.

I became a policyholder with Aflac in 2009 and was a member since 2012 with my employer. The Aflac representative name was 'Micheal'. He was great. He would come to our offices for whatever reason and he'd always drop by every department and ask if there's any questions or concerns. I had my policy for maybe about 1 year when 'Micheal' dropped by and asked me, why haven't I been utilizing my policies? I was stuck. I told him that I have been very busy and the times that I did think about filing claims, I figured it was too late to do so. He is the one who informed me that there wasn't a time limit on claims. He asked me did I have kids? I told him I had 4 and had just found out I was pregnant with my 5th child. He gave me his card and told me "to give him a call asap I can".

My entire family has Aflac's Accident and Hospital policy through our family owned business. My mother had a stint put in and a few months later she was in a car accident. Aflac paid her for both claims. The stint claim did take some time, but I was diligent and kept record of everyone I spoke with at Aflac and her doctor's offices, and she was eventually paid. She was paid quickly (about 5 days via mail) for the car accident. I've put in 3 claims for my children, when they were injured, and was paid for all 3. I have direct deposit and once my claims were approved the payment was deposited in 1 day. In my experience Aflac is great, and as long as you understand your policies and submit your completed claims properly, you'll appreciate having it.

Aflac is a reliable, honest company. My mom had Aflac for over two decades prior to me enrolling through my work 7 years ago. It helped her through some really tough times when we were younger, and has helped me significantly the past few years. They pay claims quickly and effectively communicate about any missing documentation for a claim.

I paid for services from June 2018 - May 2019 and never received my critical care policy. I ask the Aflac rep about my policy and he assured me it was taken care of.. Well Aflac was taken care of while charging for a product I never received. I have talked to seven group representatives from Aflac and none of their promises have been kept but they sure did take my money 17 payments.

So I get this insurance from their reps who apparently lie to get people to buy their coverage stating that all this stuff is covered when it obviously is not. I had an injury a year ago and was treated for it. Signed up for their "coverage" and 2 months later I started having intense pain that radiated and was a lot worse than before. I had another ** shot that did nothing, so my ortho ordered an MRI and EMG and it was determined that I had a whole other issue that had developed after lifting weights that required surgery. It was a whole new diagnosis that was pinching off my ulnar nerve, my hand was going to sleep and I had to have surgery. Because I couldn't pinpoint an exact date of injury as it was a gradual pain that intensified, I am being denied because that state that it was not an accident.

In November 2018 a salesman came to my EMS job. They were sweet and even keel. The way he sold it to most of us at work was, "Accident Insurance is covered with Aflac. It's to put money in your pocket when other insurance won't. I have a gal I sold insurance to that's on a ski team. All winter long she goes to the chiropractor, she makes $120/day off of the Aflac insurance."

Just Know that State Farm and Cigna has the same thing Aflac has. Aflac has had my claims since Feb 27th, another since April 2019. We're approaching June and all they keep telling me is they're 'STILL' Reviewing, meanwhile you're unable to speak with the audit team. I suffered a miscarriage in Feb 26, 2019, signed up with Aflac Open Enrollment Nov 2018. Couldn't have known I was pregnant in February until the baby died.

I purchased a short term disability insurance policy from Aflac to pay me a certain amount each month while I was out. They paid my benefit the first 3 times. When it went to the fourth they gave me what they wanted. I called and told them I have a set plan to pay me a certain amount. No results. Do not take it. Very unprofessional.

I have three policies with AFLAC and have maintained these policies for at least 5 years. Every time I have made a claim it has been a struggle to get paid. I regularly get denied. Have to contact the customer service and complain they reopen the case and I get paid. “Sara” my agent is terrible. I can never get her on the phone, or email. She is of no purpose or help. I recent have major surgery. Off work for 2 months and had to jump through major hoops to complete their paperwork process when I was not capable of getting out of bed. They do not help in any way. If the paperwork is not correct rather than helping you claim correctly you get denied and in order to maximize your benefits you have to do your own research. They will not help you. Don’t waste your money! Save for that rainy day rather than insure it. At $150+ per month a healthy savings account can save you and you don’t have to struggle to get the money you are owed.

My husband was hospitalized through the VA in February. We submitted a claim in April requesting a payout under the hospitalization claim. Aflac keeps refusing to pay out based on the VA not providing a print out of room and board charges. I have spoken with the VA on numerous occasions and been told that this information will not be provided to anyone outside of our medical insurance. They told me AFLAC is aware of this and yet AFLAC continues to refuse to pay out. What a thanks to veterans, refusing to pay them their rightful benefits based on a policy outside of the veteran's control.

I had a procedure and stayed in the hospital over night. I was advised prior to the surgery that I would be paid and what the pay out would be. I have officially been denied and their excuse was that I was not admitted to the hospital - I was admitted for the procedure and stayed over night for observation. The standard observation stay is 2-3 days. This is the 2nd denial since I have been signed up with Aflac. Seems extremely disappointing, Shame on Aflac for advertising such wonderful service and being a complete disappointment.

I have submitted a second claim to this company. They told me that I will get a direct deposit by April 9, 2019. Ok I waited. No deposit so I call back two days later and they told me that my bank routing number had a missing number. At the end she told she will go ahead and manually put the number in. I said ok. It take three business day. I said, "Ok no problem." I waited again no deposit. I call back then they told me since we didn’t get to do the direct deposit they sent out a paper check. Ok wow. So my claim was submitted on April 2, 2019. One month later no check no direct deposit even after I fill out a new direct deposit no money. I beg and beg them. It’s 372.00 which was was going to help me pay towards my rent. Never got it. I will speak to my Human Resources lady to see how to cancel my service. I thought this company was great but after my second experience I’m so disappointed.

Decided to get two policies with Aflac over a year ago and finally needed to put them to use after giving birth. Filing the hospital coverage claims were a breeze and was worth the money. However, the short term disability coverage is complete trash and a waste of money. I’ve been out of work since February due to injury that occurred during my pregnancy. Filed an initial disability claim and was denied because the injury did not lead to hospitalization, which is what was said when I asked why it was denied. However, one representative stated that it was denied since Aflac doesn’t cover work injuries.

I was hospitalized due to prostate last year. They keep wanting more items I’ve done and sent all requested paperwork. They keep sending me the same letter over and over and over again. They say they need a form from doctors which doctor says they haven’t requested from them. I've been paying this company 100.00 a week for 4 years and I feel it’s a waste of money. When it comes time to pay you they act like it’s out of their pocket!!

I have short term disability policy and submitted all forms requested before just to make sure nothing would be on hold. Was told that they only pay on the 8th day. Ok so big deal, after I had surgery and tried to use my policy and make sure they paid before paying bills I learned that they only paid me $36 a day when I clearly make more than that. I was livid. Called the headquarters to ask why? They kept repeated that’s what they pay. I told the lady how someone who makes more than $36 a day and when I called to verify they would pay they never said anything about $36 a day. Had I known that I would have never had surgery. Definitely not worth paying them to screw you over and withhold information just to get you to sign with them.

Pregnancy/Delivery, Claim UB04 and Operative report provided and yet they found a way to string me along resulting in none payment for my child hospital stay. Contacted Aflac months prior to delivery as well as numerous times after to verify my coverage, understand the wording listed on my certificates and to have a thorough understanding of the claims process.

I get Aflac through work but, the last time the Aflac agent came about to the office he brought with him the cancer policy. I signed up for this for myself and my husband because cancer runs through our families. I signed up for the cancer policy, the Aflac agency stated it would be active in one month after 30 days, that was signed in June 12th. On July 17th, I was diagnosed with colon cancer, I spent a couple of weeks in the hospital, had surgery for re-sectioning. When discharged I met with the oncologist and started Chemo for 8 months.

I suffered from a Pulmonary Embolism on 12/20/18. I was taken to the ER via ambulance and subsequently hospitalized for 4 days for treatment. I was readmitted 48 hrs after I was released, due to Pneumonia as a complication from the Pulmonary Embolism. AFLAC paid me out on my Supplemental Insurance right away. But when it came time for them to review my short term disability claim to cover the time I was out of work - they continuously deny it and state that it’s due to a pre-existing condition. I have escalated this FIVE times, and every time time the decision is upheld but no information is provided to me.

I have been with Aflac since 2002 in which I don't think that makes any difference. I am quite disappointed with this company. Recently I inquire about reinstatement of my policy. I had spoke to several customer service reps at that time gave me wrong information. I faxed a request for reinstatement and it was approve but the problem was they gave me only 3 days to get all back pay due plus the documentation that was needed. I tried to make the payment with Aflac by phone but I was told I had to mail the check and document to Aflac.

On 2/20/19 I fell on ice and injured my R knee. I tore my meniscus and underwent surgery on 4/1/19. My policy pays out two separate amounts for a plain old arthroscopy ($300) vs a meniscus repair ($625). I submitted my claim with surgical photos with descriptions from the surgeon. Lo and behold I receive the claim on 4/9/19 and was only paid the $300. I called customer service and was told that they would need the operative report. Okay. I'm non weight bearing. I'm on crutches. I drag my butt to the hospital to get the report. I submit it on 4/10/19. They deny it and tell me it was already paid. Now I am annoyed. I call customer service every day who assures me it is being worked on.

These people do not know how to keep their word and assist! I obtained a Critical Care Policy and Accidental because I was told those were the only policies I could obtain outside of an employer. So the Accidental got taken out of my bank account right away but the Critical Care policy had to go to underwriting which no one had disclosed this to me. I was told that there was no waiting period for this either.

After being a loyal Aflac customer with three separate policies since 2007, I am totally disappointed with them. After having surgery to repair a torn meniscus, my claim was denied. No, I do not know how or when my meniscus was torn, but it did happen. It was certainly not something done on purpose or "intentionally," so it was an ACCIDENT. I could have saved the money paid to them over the past 12 years, earned at least some interest, and really had the financial support I needed due to this surgery and subsequent time off from work.

My family and I have had Aflac for many years, but we’ve noticed it going downhill for a long time. I resent my paperwork as my agent recommended with the right info to renew my policies last fall and they said they never received. So, I filled out new ones with a detailed cover letter. In the letter, I explained it was the second attempt and marked which policies I want. Days and weeks went by. Nothing was deducted from my account. During this time, I called a few times. Each person told me my information would clear and it never did. Each person was nice and patient, but never received proof of anything going through.

My husband has stage IV metastatic cancer. For the last three years he has been on two oral chemotherapies. For three years numerous auditors have only paid for one of his chemotherapy drugs, even though they were suppose to pay for two. We spent the last month getting it sorted out, only to have them once again only pay for one prescription this month. We have been on the phone with them three times already this week. It is apparent that Aflac does not have proper training for these auditors and depending on who reviews your claim is what you will get paid. If you resubmit something they ignore it half the time and we have had to get a supervisor more than once due to this. Having cancer is stressful enough without putting up with incompetence and people not doing their jobs.

Had accident policy. Submitted claim for accident and Aflac Paid. Then had ongoing treatments for same accident. As per my contract with Aflac my policy, ongoing treatment is also supposed to be paid. However, all of a sudden new docs needed, sent documents numerous times, called customer service claim dept, said needed more docs to prove claim, I asked for manager, they said no manager, they put me on hold for a very long time, then hung up on me. So I resubmitted more docs, with clearer views for them as they said they couldn’t read the 50 docs I had to resend them 50 times, so now I wait again. All for 160.00. I’ve never been so shocked at this behavior from Aflac.

I no longer wanted to use AFLAC services so I sent an email to cancel. I got a letter of cancellation. After that they continued to debit my account for one month. I called to check on it and was told that I had to send a fax to get a refund. I was also assured that the debit to my account had been stopped. Two weeks later my account was debited again for AFLAC services even though I received a second letter of cancellation. I called a second time and was told that I have to call the third party payment administrator to get the debit stopped. I was also told that I had to ask the administrator to send over a request for refund. I have just called that administrator and had to leave a message. I am very upset at the complete lack of customer service. I should not have to tell them twice to stop debiting my account. I also should not have to send a fax to get a refund, as it is not my mistake but theirs.

I have been an insured for over fifteen years. Over the years the customer service has become obsolete. I was injured in 2015. My policy covers both on and off the job injuries. AS a result of the injury, I have required several surgeries on several different body parts. After a shoulder surgery that was covered and paid by AFLAC, it was discovered I also had severe Carpal Tunnel. I had the surgery and I submitted the forms along with the required PT forms. AFLAC denied the claim. They were unable tell me why, but the representative advised me to file a new claim. I filed a new claim and it too was denied.

What happened to the 4 day response to a claimant's accidental claim? Now it takes 2 weeks to even get an answer. Hmmm, something isn't quite right here. The review department isn't concerned about the people who are paying their paychecks through our premiums every month. Ha, I called yesterday and spoke with some call rep, and they said the claim wouldn't be reviewed until the 15th. I sent the claim in on the 8th which was Monday. That would be a whole week. And, then they still might not accept all my reports. Crummy Company, Just Lousy, Lousy!