Does anyone really understand Aflac?

Question

I am so confused. I dont have health insurance and can't afford it (like the rest of the country basically).

I just want to do a check up and I want to know if aflac would help cover that at all??

Do i get a clain form for it? or use a card?

I have been paying for aflac for a year almost and havent used it once. The money is taken from my paychecks, about $150 bucks a month, i think...

i hope someone can help me who have experienced them. I need a check up so bad cause i have mean panic attacks and i want some help.

Answer 1

My husband had to have major surgery and my experience with them is they refused to pay a dime towards it. Hope it works out better for you though.

Answer 2

Aflac has many different policies and some of them would cover a Dr visit and some would not. The only people that understand Aflac and any other insurance policies are the agents that sell it and the customer service reps that answer the 800 number. You should call the 800 number they will have access to your policy information and they would be glad to walk you through what you policy covers.  Everyone should always start there.

Answer 3

Aflac is a brand name.  That's all it is.

85% of Americans DO have health insurance.  So you're one of the 15% - a minority.

So, you probably have a DISABILITY policy, or an accidental death policy.  In either case, it's probably not HEALTH INSURANCE, so it won't cover a check up.  

You're referring to the brand, not the product.  That would be like me asking for directions on how to use my Fisher-Price.