Aflac Reviews

- ‘Refer to our policy’

Note: The customer service representatives are not helpful – that’s by design. They have NO authority to help you anyway. It’s a time waster. There is no ‘Management’ to speak to – if by chance you do get a manager – you’re likely speaking to another representative – this missing layer of Management is by design. What you can do:

> Ask to speak with Management. There are no managers so don’t expect to actually speak with one, but at least you requested it.

> File a complaint with them – but only once and keep it simple because you’re wasting your time anyway. It’s just so you can say that you followed their stated grievance policy. You won’t get any response from them anyway.

> File your claims piecemeal if possible (a single expected benefit at a time) even when you’re due multiple benefits for the same event. Filing multiple benefits in the same claim gives them the opportunity to delay all the benefits within that claim.

> Keep strong detailed records with claim number, their responses, dollar amounts they paid for each claim compared to what their published benefit amounts are. Keep track of the files you send them for each claim. You’ll find that you’ll need to be sending the same file multiple times. You'll need this summary later! Do it while it happens.

> Don’t waste your time with the 'Medical Authorization' form. They apparently don't use it anyway. (Give them medical records you request from your provider instead.)

> Speak with your provider/Hospital/etc... and request an ‘Itemized’ bill for all procedures. Don’t submit a claim without this even if you’ve given them the 'Medical Authorization' form. Don't rely on them to go get your medical and billing records - they won't.

> Speak with your provider/Hospital/etc... and request your medical records for the claim event. Provide this along with the ‘Itemized’ billing document.

Once you have had enough of their tactics, file a complaint with your States Insurance oversite department (example: ‘Department of Insurance and Financial Institutions’). It's most likely simple and can be done online in less than an hour. They will likely open a case and communicate directly with Aflac. It will help you get the benefits owed to you and you will be helping to bring Aflac and their deceptive tactics to the State authority’s attention. One person complaining is not enough – it will take many to get their attention and bring Aflac in line. Remember – once you’re sick, you’re stuck with them – and they know it!

When it came time to file a claim, the same representative told me that I didn't quality for the policy because I wasn't in a W-2 position. I referenced all the emails we had exchanged about the change and asked why she hadn't told me that I wouldn't quality. She said, "It wasn't important then" because she had assumed I would go to another full-time W-2 position, which I never stated or implied. Then she stopped replying to me emails and calls about how to move forward, so I started calling Aflac directly for assistance.

They were seemingly helpful about half the time, but every time I got some kind of info or direction I would send in my claim forms again, and no response. No response, no response, no response for a while and because it was all over the phone, I had no paper trail of what they were telling me. Finally my claim was processed and I did get some reimbursement after several months of calling which almost made it worth it except for the next part.

A few months later I called to cancel my policy and was told I was on a recorded line, it was no problem, I answered the questions and confirmed on the recording that I wanted to cancel, no more premiums, no more coverage. That was the easiest part of the whole thing, or so I thought until I was charged the next month again, even though I received a letter stating that they didn't have a payment method on file. I called again and they said they didn't have a record of my phone call and I had to dispute the premium charges with my bank after and got only a partial refund.

Overall the check was one hundred percent not worth the hours I spent calling, emailing, tracking down paperwork, sending in forms, amending forms, and trying to get clear information from whoever I could talk to. I spent a big part of my maternity leave anxious about all the money I had paid out in premiums and frustrated with poor communication and bad information. My recommendation is to just save your own money for a rainy day or maternity leave or whatever instead of using Aflac. It was a nightmare and I would never use them again, for a short-term policy or anything else.

Now I am being told I will have to wait another 2 to 3 weeks for a check in the mail. How can a company that makes all this money from hard working people who depend on this insurance for times like this, just to be abused by representatives and lied to about their policies and claims? This company should be investigated and made to comply with the appropriate business policies an insurance company who deals with medical needs should be following. I am very disappointed in this company and will not be renewing my policy. I will search for a more appropriate and capable company to insure my health and medical needs.

I am now going to not only cancel my critical care because after reading these reviews IF I have a heart attack, stroke or cancer looks like they won't pay and drag you through the mud. I am paying 140 a month for that! I am spreading the word...Trust me. My co workers will be told. Aflac is an option for our benefits and WE PAY FOR THAT..Not the employee. Wow. so much for the cute little duck on the commercials. This is sad. I'm suing them if they don't pay...And everyone here should too! My claim is little....What they are doing to people is NOT. Bottom line, I paid, I had a legitimate claim and they are trying to skate with all of our money! It's open enrollment. Look out AFLAC.