Aflac
Reviews and Complaints
AFLAC DENTAL INSURANCE IS A SCAM
An AFLAC rep came to my work place to sell us insurance. I haven't been to a Dentist in 8 years and was interested in Dental Insurance. I specifically asked the Rep if I could start seeing the Dentist right away. His answer was "Yes". I asked if I was unhappy with the services could I cancel at anytime. Again the Reps answer was Yes. He embellished the insurance and said it covered two Dental Cleanings and stated the first visit to your Dentist you are mailed $50 for a Wellness benefit. Basically these Reps are scammers and liars!!!!! My Dental cleaning and X-rays cost me $240...AFLAC only paid $75. I found out that I need a crown and have to pay into AFLAC for 2 years before I can even have the Dental work done. Let's do the math. That is $940. I already paid $150 for my cleaning and xrays. The crown will cost $1422 and AFLAC only pays $375. So basically...I would have to pay $2156 for premiums, 1 cleaning in 2 years and my crown. They alsio made me wait months to cancel since I signed up through my work. I had to wait until open enrollment again. Again...another fact left out!
HOW ON EARTH IS THAT CONSIDERED INSURANCE!!!! SCAM...SCAM....SCAM! Look into a Discount with your Dentist. I learned they will give you 25% of services with a smaller monthly fee and there is no waiting period.
DON'T BE ANOTHER VICTIM TO AFLAC!!!!
Life insurance fiasco
AFLAC Big Disappointment
I have read responses from AFLAC stating not all representatives are nice and we shouldn't blame the company but I have dealt with 4 and they all have been bad and they even have bad mouthed each other trying to put blame on someone else which is extremely unprofessional.
I have a company and had AFLAC come in and explain what they do. Four women came in they explained and myself and other decided to sign up. I have short term and long term disability and one other policy. They deduct 38.50 twice a month. I went to the hospital for a broken toe they gave me crutches I called AFLAC they said yes it was covered gave me papers to fill out and I faxed them back. Unfortunately I needed the Doctor who saw me to fill out a paper as well. Turns out the Doctor I saw doesn't usually work Emergency and was just filling in. I couldn't track him down to get him to sign, I let my AFLAC rep know she said don't worry she would work on it and find out who it was.
Then after that I went to the hospital for a seizure. I missed a week of work, AFLAC again said it was covered. I faxed the paperwork, and she said everything would be taken care of not to worry she was gonna work on it and let me know if she needed something else, also she stated she was still working on my first claim.
Months have passed. I have spoken to all 4 reps who have passed me around. The original rep I talked to was suddenly let go. My case transferred. This person came in and said the rep I had before was incompetent and she would take care of everything. Then I get a call from a 3rd rep who viola was let go as well. So know I have a new person who assures me she will fix everything and I will get money back in the amount close to 800$ I had missed an extensive amount of work.
Well today I called again and oh my I have another new rep. Wow that is great. This rep wants to meet with me. I'm sure she will tell me that she is working on it. Point is my claim is right where it was when I sent it in. Nobody has said anything about needing more info. They told me my claim fit the insurance I took out. So what is the problem.
Another employee of mine met with AFLAC she went over options and they signed her up without her authorization. 6 months later she is still fighting for her refund check. They finally sent her a letter stating her refund amount but didn't include the check even though the letter said one was included. She opened the letter in front of me and another witness and we all saw no check. Now AFLAC said she did receive the check and actually she cashed it. Which is impossible in it's own right because the check was written out to my company and only myself and the owner can cash anything, and not to mention the fact there was no check!!!
I don't need AFLAC to pay me. I make plenty of money but to watch an employee get screwed month after month who lives pay check to paycheck and counts on all of her check is not cool. If my claim needed more paperwork, they should tell me. If my claim doesn't qualify they shouldn't tell me it does. If they say they are working on it and will get it all taken care of they should. I don't want to pay for something that doesn't do what it promises.
3 out of 5 people at my work have had negative experiences this is pretty high odds. Maybe rep 5 will be the winner. I have been talking to a lot of people who have AFLAC they state they have paid them more then they have ever received. You are better off putting that monthly amount in a savings account.
Aflac RIPOFF
I had a policy for a number of years, when I had a claim, I had a work related injury which resulted in orthrascopic surgery, and as a result they had to pay me $350, it was like a team of attorneys decended on me to find a way NOT to pay, eventually with all the back and forth I gave up, they are a total ripp off and I would advise people not to do business with them, they are happy to take your dollars however when it comes to a claim they WILL find a way to disqualify you.
Injury claim,scam
I had an injury when I fell on ice in my driveway,my ribs were swollen and tender and couldnt breath.I missed almost two weeks of work,went to doctors they couldnt figure it out,then went to chiropractor and they said my rib cage has shifted and my sternum bone was out so I got adjusted it took three times before I got better,sent a injury claim form,then aflac claimed it as illness well it would be illness if I had scoliosis of the spine or something but had no previous bone type problems before.Iam just pissed off I pay them thinking Iam going to get covered well I was wrong
Aflac Agent
You have to pay for all your classes, license, shirts. The only thing I got for free was my business cards.
I had to pay twice what my laptop was worth because of the proprietary software. When I decommissioned it I couldn't use it any more. I had to contact the manufacturer to get the discs to restore it. Lost out on the Microsoft Office Professional that I supposedly paid for but never got the discs.
Trainers changed the commission split when they found out I landed a large account. They said it was because I didn't have my own computer so the split went from 50/50 to 70/30. They terminated my writing number after I told them I wanted to go part time in an attempt to get my residual checks they owed me. I requested to be paid as earned and twice they have billed me for commissions paid that fell through after almost a year because the account stopped payment.
There is no marketing strategy other than hit or miss so you end up talking to folks that have heard it all before. This is the only job that cost me money to work for.
Complaint to deaf ears
I was a policy holder for over 8 years. I have since recently cancelled my account with AFLAC and they continued to pull the premium out of my account the following month.
Due to not planning for this unauthorized payment, I also received a $29 no sufficient funds paid fee. I have since sent 3 faxes to AFLAC to prove their screw up caused me money but till this day, they still have not received anything. Mind you, my account was cancelled in September, unauthorized charge in October and I did receive that money back in November but its been 3 months and counting that they dont get their faxes. It is minimal compared to other complaints but I can only imagine what getting a larger amount of money from them would be like at this point.
The rep that took my cancellation said I had 1 year to reinstate my account but something tells me I'd regret it. As long as they are getting money, they love you but since I have cancelled my account, I am no one for them to help
AFLAC
AFLAC- Dental Insurance
Aflac Not Paying
AFLAC is run by liers and frauds
On Feb 17th transfered my personal policys to one at the company I work. I signed a document to stop auto withdraw from my bank account.
Some how the "Agent" did not fax all the paperwork. So on March 5th AFLAC withdrew $50.05 from bank account. And the Nightmare and Lies begin! I informed the agent and promised to have money back in account within 3-4 days.
LIE! On the 27th of March agent and I spoke. He promised again to have a check issued and mailed ASAP. LIE!
Never received check by the 20th of April. AFLAC HQ and Agent claim lost in mail. So promised to reissue the check. And I was told that check reissued and should be received by the 2nd of May.
Well, You guessed it NO CHECK! Now on the 7th of May check reissued sent UPS....UPS damaged envolpoe! Now All AFLAC people trieing to find way to reissue refund.
THe said I should know in a week? WTF!
Unpaid claims
My name in Margaret Harmon, I have AFLAC thru my work, Clarksville Medicial Group in Clarksville AR . My Husband is on my policy.
He was lightning struck on 4/25/11 and is now leagally blind in his left eye and leagally deaf in his left ear, and has brain stem damage on the left side and is having strokes and now haveing seizures. I filed a claim back on 9/8/11 and have been getting the run around on it ever since. Our family Doctor has written letters and sent in all documentions that has been ask. Every time I call I talk to a different person and alwass get a different answer.
You take my money and all the employees and the Doctors money that I work for but you will not _TAKE THEIR WORD ON A CLAIM. I would like to talk to some one that can get me some answers by Wednesday 1/18/12. If not I will not any choice but to have My Lawyer to contact you. I would nather not have to do this but I feel you are not leaving me any choice.
I have a accident policy and a policy that covers Strokes and Heart attacks and you have not paid on either one of them. You may call me at 479-979-****.
I hope we can resolve this in the next few days. Thank you Margaret Harmon.
Past Agent
Combined insurance
Beware - Aflac only pays on certain accidents
I have the accident policy from Aflac for my whole family that essneitally amounts to supplemental insurance over and above my regular Blue Cross plan. My 8 year old son broke out some front teeth doing flips on our trampoline this past year.
We rushed him to the hospital to stop the bleeding, and then were sent to an orthodontist to handle the dental trauma. After my Blue Cross, i was out $3,800 out of pocket. Upon submitting all paperwork and doctor's reports, Aflac only paid $105, citing the accident required dental treatment, which they do not cover. The agent stated, "If your son had broken his arm, we would have paid $3,500 for this claim, but broken teeth, only $105".
Thanks Aflac for nothing! A complete waste of money.
- Prev
- 1
- ...
- 27
- 28
- 29
- 30
- 31
- ...
- 32
- Next
Thank You for Your Reply! We are processing your message.
Your comment is successfully posted.
lmao... welcome to american insurance hahahahahhahahaha...
Buddy... aflac isnt even bad. Its supplemental insurance, you need regular insurance on top of this for it to matter... Now you know why we need medicare for all..
I remember the first time I started paying for insurance. ALL insurance is a scam.They will always come out on top until we get medicare for all.
Aflac is ***
They got me the same way. I specifically asked about having Wisdom teeth removed.
"Yes, covers 1000$ in surgeries." So I sign up an have the procedure done a yr later .. 1300 plus 100 visit .. took 7 months to file claim.. paid me back 190$ WTF?
Lies just to get your $.. I even called my sales rep before I had surgery done, give them the dental codes an he informed me that it would pay over half of cost..Lmao
I have also had extremely similar experiences with aflac dental. It is terrible & I would never recommend it to anyone
It's not insurance. Its supplemental insurance.
I AM ENCOUNTERING THE EXACT SAME SITCH..I WAS TOLD THIS WAS SUPPLEMENTAL TO YOUR REAL INSURANCE..HUH? YES THESE ARE PREMIUMS FOR CLEANINGS ,WHICH ANY DENTAL INS.
ALLREADY COVERS...REP TOLD ME PROBABLY YOU MUST WAIT A YEAR OR TWO,PLAN IT OUT,ITS LIKE HEALTH INSURANCE.
DO YOU PLAN OUT A BROKEN LEG A YEAR FROM NOW SO YOUR COVERED? DOUBLE DOUBLE LICENSE TO STEAL
This is supplemental insurance. It even states that in the commercial.
It can help pay out of pocket expenses. I have excellent dental insurance but I still have a yearly limit and they pay a percentage of the bill. Aflac will cover a portion of out of pocket expenses. No insurance pays 100 percent.
(I work in insurance as a claims analyst. I basically pay or deny claims.
So I see what different plans pay) It's important to do your own research in the basics of insurance and in this case, supplemental insurance. Once again, no insurance pays 100 percent and supplemental is just that-it supplements the main insurance to help cut down on the out of pocket expenses.
I have had AFLAC since 2012 and it is great. I now have a free dental insurance from my employer.
My co-pay is $10 at the dentist, AFLAC pays the dentist $25. I had a crown, my insurance is a flat $155 fee. AFLAC pays the dentist $250. I have all my dental work and x-rays done free of charge to me.
I am building a credit with my dental office and am saving up for a night guard. I also used credit for prescription toothpaste and mouthwash.
My dental insurance does not have an annual limit so I get everything done immediately. I have 7 children also on both and everything is covered.
wow this person sure never purchased insurance before. They give you a list of services that have waiting periods, Dont you think they are worried that you will scam them and get thousands of dollars of work done then cancel.
i thought this comment was worth reading. but i guess not
You're a dipsh*t who didn't read your policy which clearly explains how much gets paid out for specific services and the waiting periods for them.