Gee, where to begin. I thought I was finally going to be a responsible adult and purchase a back-up plan in case something were to happen to myself or my husband. I purchased personal sickness/hospitalization and the cancer policies. Before I signed I made sure to ask the agent about a pre-existing condition I had in the event that I would need it in the future. I was assured by the agent that I would definately be covered after 6 months. First LIE. I ended up needing a complete hysterectomy. It was scheduled 7 months later. Even before scheduling I called AFLAC multiple times and spoke to many different people and was told YES it will be covered on such and such date. No problem. Well my doctor had a cancellation so I scheduled it earlier (still in the 6 month window) AGAIN, I called to confirm would it still be covered. And again I was told, definately. We got the persons name and a confirmation# just to be safe. Needless to say, I had the surgery, submitted the forms, and it has been over 5 WEEKS. Not 4 days like they tell you its going to be online. I've been denied twice and still haven't received a cent. Apparently, somewhere in the FINE PRINT. There is an additional 30 day waiting period after the 6 months. Why can't they just say 7 months? Had I known that I would have stuck with my original date for surgery which was scheduled 7 months after I opened the claim. But silly me, I thought that after calling numerous times and asking different service people each time. That they should all have given me the correct date for coverage including the extra 30 days. DO THEY ALL NEED RETRAINED? I finally got so discouraged that I decided to call the local agent that sold me the policy. So far, I have yet to actually speak to her. Her assistant is trying to process the claim now as an "elevated" claim, which I translate as meaning I must have called enough times that they are passing it off to someone else to deal me with that has more authority. Its not bad enough that I am in pain and am recovering from major surgery, but I had to go back to work after 3 weeks when I was supposed to be out for the recommended 8 weeks. I have already been replaced at work for 8 weeks and cannot go back until the 8 weeks are over. So I have been forced to get another job while waiting for my money and replacement time to be over. So much for planning ahead! Thanks for nothing AFLAC!
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