Aflac

Somehow; they managed to pay for the 39 days in the hospital but are denying the stem cell transplant payment; now the latest letter says they are closing the claim because I didn’t provide proof of lodging??? Claims are very hard to track for a cancer claim as you have many claims and they are assigned numbers only; I have a spreadsheet to try and keep track of where they are in the process. Documents are uploaded and they disappear. Status of claims is posted on your portal and then next time you go there they are gone. That makes it hard to dispute something when you don’t have any of the information there. Claims are denied for reasons that are totally unrelated to what I have filed for.

I have to believe that thousands of people are just giving up and leaving money on the table because they can’t make it through the process. Talking to a person is near impossible and disputing a claim means faxing them all your information or sending it via the U. S. mail. I want to know who has a fax machine and a landline anymore – have they heard about email and scanning? The hospital bill alone is over 100 pages – do you think I want to print and mail all that paper just for another denial? I’ve already uploaded it twice and it disappears.

My agent has refiled claims for me and he doesn't get any better service than I have gotten. I have 180 days to dispute a denied claim but I think they just dragging you along until the 180 expires. I have average or above computer skills so my inability to maneuver their system is not because I don't have any computer experience. I've asked that a case worker be assigned to review my claims and they said they don't do that. Each claim is handled separately by the first person available.

I called a week later. The person answering the phone said the critical illness needs to be an accident..? I told them I was filling under critical illness as Accidental insurance was not what I was filling it under. Needless to say they denied it again. I pay all this money for 3 years and they wiggle themselves out of paying any claim like cheap car insurance. I spoke to my HR benefits dept. My corporation stated they had many complaints and they are cancelling Aflac the first of the year(2023). Even the Dr's in the hospital stated that her stay would fall under critical illness. ***UPDATE*** They responded to my BBB complaint and said she had to be in a coma for over 10 days to file the claim and that it needed to be one of 3 comas they cover... What nonsense. Each time I have contacted Aflac I received a different reason on why they denied me. What about hospital stay? Nope, we didn't get a dime.

I think that it is unfair that the claimant can not speak with the claims department or the claim manager directly. If they have someone reach out to us instead of solely relying on their email system, the claims process would be less stressful for the paying policy holders. I don’t always receive an email message from Aflac about my claim. I have to login every other day to check for any updates. I am truly disappointed with my recent experience with Aflac. I am now second guessing if I should continue with my policy. I don’t have the mental strength to go through this back and forth.

While I understood she had limited information, I at least expected her to guide me in the right direction. I asked specifically about my benefit coverage and she kept referring me to the admitting hospital. When I asked to speak with someone else, she stated that there's no one that could help me... Please review the call for my experience, I pray no one else has this experience. I felt like I was begging her or at her mercy of her willingness to review my benefit coverage and explain the issue.

A few months before I had my baby, I started calling AFLAC to get information on my maternity leave. I should've known something was wrong when I got different information every time I called. I had my baby, and the checks started to come in. I feel like an idiot now because I should've known it was too much money, but due to my new mommy haze and lack of sleep, I didn't think to question anything: I was just happy to buy diapers and pay medical bills. About a month in, I was suspicious they weren't withholding my federal taxes as requested, so I called and the representative told me that my withholding paperwork was in one file but not another. Did this not send up a red flag with them? Again, in my fog, I didn't think anything of it. Fast-forward a month after my file(s) had closed, and I get an email at 5:30 AM letting me know they overpaid me because they opened two maternity leave files for me and they demanded I pay it back in 10 business days.

Did my case manager not see that I had two open maternity leave files? Who has two simultaneous maternity leave policies at the same time? How did they not notice this seconds after it happened, but rather over a month after the files closed? The overpayment representative had the gaul to tell me the company knew about the overpayment a month earlier, she just "hadn't gotten around" to sending out the overpayment letters. I guess it wasn't a big deal to HER. When I told them it was their fault, all they could say was "sorry." As a huge corporation, I know the money means nothing to them, but so much to me. Didn't even offer a payment plan. I wanted to pay online since I wanted the whole thing to be over, but no: you have to pay via check via mail. I can honestly say they made NOTHING about a HORRIBLE situation easy. DO NOT USE IF YOU CAN HELP IT. You're just paying them to mismanage your case.