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!!!!