After my job cancelled Aflac’s contract, I really wanted to keep my policy, so I had my account transferred my credit union. I have been with Aflac since 2005. I make sure I keep all of my doctors appointments, and Aflac never fails to pay me for my preventative care. Overall I have had good experiences with Aflac.This last claim took me calling back and forth too many times to finally get the claim completed, after talking to 4 representatives, over a period of almost four weeks, and the last two representatives were the same person and she finally got it to the right claim rep to complete the process.After having surgery and I could not drive to get things done everyday, each rep gave me different advice, but the last two calls to Ms. Lillian, who while I was on the phone searched for my faxed information, she was very skilled and knowledgeable of her job to put me on the right track. (Hint) when a customer calls to get a form, please just send them all the forms they will need to go through the whole process to complete the claim. This would have saved me a lot of traveling and paying to send faxes over and over again. Again I say overall I am still a fan of Aflac.Phyllis Carr

I’m writing this because it seems that reviews have more weight than anything these days! I recently hadIncidental surgery that was unexpected and required several nights in the hospital prior to that I had a CT scan that revealed an issue. The one good thing that I must say is that my agent went above and beyond he gets five stars his name is Anthony he always takes care of me and I appreciate that however,The website needs work apparently two of my claims that were approved and as stated that it was paid is not true per my agent because I never received the money. These two claims were over an excess of $2000 that I was really relying on as you know when you’re sick and you’re out of work! However my AFLAC webpage says that they were paid then I go on the chat line to try and rectify the issue only to be told that one of my policies has lapsed but the wrong policy was what was given to me on the chat line. After that when I ask questions The person Kimberly I was chatting with ended the chat without helping me at all! I called the one 800 number and was told that I would have to wait in an excess of two hours to speak to someone this is absolutely unacceptable! I am a nurse and have worked through this Covid pandemic since it started and I would like to know if anybody would want to wait two hours or more when they couldn’t breathe or they needed help?? It’s unacceptable I pay AFLAC approximately 4K yr to take care of me when I’m in need what happened?

When you get that diagnosis of Cancer it’s a scary thing. First thought is what’s going to happen to my family. Second thought is how am I going to pay for this. In my case I’ve had the cancer policy so it was one less thing my family and I had to worry about. Well I was wrong. I’ve sent in the paperwork already three times the first said clearly I had cancer I waited weeks before I had to call and ask where was the payment. That’s when they told me they needed another type of paper work. So I submit it no response had to wait hours to speak to someone before they told me that I needed to submit another type of paperwork different from what was originally told to me. So now I’m on my third time a week has gone by no update. I’m going to have to wait for hours for their customer service rep who if my last experience was any indication will treat me horribly and give me no answers. I’ve got more treatments coming up and don’t know how I’m going to pay. The takeaway here folks is don’t get cancer and please don’t get AFlAC. Their advertising is pure lies they don’t care about you or your illness and they will make you jump through hoops so they can avoid paying out. The payments to them are taken out without fail but when it comes to you they won’t pay. I’m thinking of getting a lawyer. So to end this review CANCER is horrible but so is AFLAC. May the odds be in your favor! It’s the Hunger Games out here.

Despite the same type of injury in the same facility treated at the same clinic by the same medical staff some claims are paid while others are not. Being in an environment that injuries occur on a regular basis and the need for aftercare not covered by standard insurance or holistic care that insurance won’t cover Aflac fills in the gap and that includes massage therapy that insurance does not understand the benefits to getting the individual out of pain and recovered. This is the reason I supplement ment my insurance with Aflac insurance but the issue arises when an individual is involved so many times that Aflac red flags and refuses to make good and pay the claim. Often a back and forth fight ensues with frustration as Aflac agent after agent assures you will get paid on your claim when you actually don’t. It’s a battle of determination and frustration in hopes you will get your claim satisfied. Sometimes yes and often no. When calling to cancel due to frustration more ensues as the process is daunting. Eventually a year passes and everything is reset and claims begin getting paid again and the process starts again.