I was sold a cancer policy on May 14 for my husband and my self. My rep said that the policy comes in effect June 1st, and what ever we did, not to get dignose with any type cancer before June 1. June 10th my husband was admitted to the hospital (his first ever hospital admission) with fluid around his right lung. June 13th a catscan was done on the lower lung and part of his kindey was seen. The doctors seem something and did test that showed a tumor in the urithin tube blocking his right kidney and it was cancer.
I contacted my rep, who informed me that the policy had only been in effect 13 days and that there was a 30 grace period (which I was not told and had not received my booklets yet) once the policy came in effect.
I filled a claim Sept 28 and they sent my husband a check for the wellness part of the policy. So we assumed they would pay on the cancer policy. Once my husband was released from the dr treating his lung problem we started going to the doctor for the tumor in Oct 06. Him being out of work for 4 months and with no health insurance made it hard to pay our bills with just my income.
Long story short - I have fought with Aflac for 8 months, contacted my state insurance commissioners office, called aflac constantly on my claim, my husband was refused a catscan at emory clinic due to not have $3,000.00 to pay for it, the tumor spreaded up the urithin tube and he just got out of the hospital Feb 16th from having to have his right kidney removed.
The day before my husband got out of the hospital a letter came from Aflac stating they denied the claim, I am filing an appeal and seeking legal actions for unfair claim practices and bad faith claims. They misrepresented me and there company, they misled me when I called for the status of the claim, was told several times that the policy would be paid once it was completed. They gave us false hopes and information.
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