AFLAC is a rip-off, DO NOT SUBSCRIBE unless you fully understand the consequences. I have only filed small doctors visit claims. Don't get me wrong I just wanted to cancel my policy because I cannot afford the premiums, almost $70.00 a month. After I spent 45 minutes listening to automated options on their telephone service I finally got a real human. She then transferred me to another number so again waited another 10 minutes.
This is normal for this company. (You better have patients with them or you'll go nuts. Try to get a claim form. Do not request more them one claim at a time. You only receive one claim form at a time. Then they want blood samples to get more then one).
I told the representative to cancel my policy. She told me I had to put it in writing and send it to their company. I was not advised of this when I signed up. She told me this was in written in the policy book. It is not, I have read this policy manual line by line. It has nothing about cancellation of policy.
I have my policy books for the record.
I have sent them claim forms for medical claims. I get $15.00 for a doctor's visit. (for ALL claims) I'm not sure where the benefit comes in. You only receive 6 claims a year. If you have a large family as I do it's not going to last a year.
Try to navigate their website. This is another joke. I tried to print a claim form from the website. Again try to find it. This company is about the run-around. I guarantee they will get theirs long before you get yours.
If you don't believe what I have written please navigate their website and call them to get information concerning a policy. When you get soaked for several hundred dollars then remember I told you so. Be very cautious.
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