Subject: Re: Re: Re: Re: What are your opinions on AFLAC Insurance?

Comments:
: John: : I find your circumstance interesting, but isn't it unique? I mean, what if you didn't "get with" the accounting department, or lets say the bill was $200,000? Alot more than being off for the week. : In fact, if you weren't in a life threatening emergency situation, who says they have to treat you at all? What if you required outpatient surgery? I would not want to be the guy trying to convince a doctor to help me out for $20 per month. : In short, if you weren't a co joined twin from Nigaruaga, don't count on getting treatment in the United States. We don't have nationalized health care for all. On the other hand, credit card companies, landlords, etc. ill work with you if you have been off for for several weeks. : I belive having health insurance is the lessor of the two "evils." And to pay money towards AFLAC if you don't have real disability insurance policy? : : Here is the deal with supplemental insurance with AFLAC. First of all, if you have health insurance that is great. That will definitely let the Doctor who treated you sleep nice and comfy in their warm bed, in their big house, with their nice car in the garage. But let's say that you were off work for 1, 2, 3, 4 weeks??? What happens to you? Does the electricity bill get paid? Mortgage, rent, food on the table, car payment, credit card payment????? : : From someone who has had AFLAC for a few years, I have had two big claims. Both paid me together a little of $22,000. That was money in my pocket. I don't have health insurance. So I had to get with the accounting dept at the hospital. I am paying $20 per month. It would have been nice to have health insurance. But I can tell you one thing, being off work and not getting paid is a hell of a lot harder to deal with than a Dr. Bill. Don't let anyone tell you anything bad about AFLAC. Anything bad is just not true. I have friends that have had the same AFLAC policy for over 20 years. And they are still paying the same premium. Can you get that from your health insurance? Nope... Think of protecting yourself instead of a Doctor or Hospital. They have accounting depts. to help collect their money. I could go on and on. But, don't doubt AFLAC. They are a great company and pay claims really quick. Usually within a week of receiving the documentation from you. Hope this info helped... : : : Clueless: : : : I have heard bad things about them, specifically when there is a claim. But regardless of their reputation, keep in mind AFLAC is supplmental coverage. Do you have a regular disability policy with much greater coverage? A good medical plan? If not, get these taken care of first before SUPPLMENTING with AFLAC. This is a very niche product, so i would proceed with care. : : : This may or may not be the case with your agent. : : : Agent : : : : We had an AFLAC agent come to our office today and offer several plans to us employees. He said that all but one type of coverage is deducted pre-tax from our paychecks, so it will marginally lower our taxes. : : : : Does AFLAC do what it says? Is it a good value for the premium? (To cover me and my wife with Accident, Hospital, Personal Recovery Plus, Intensive Care, and Cancer; plus just me with Short-Term Disability, it will cost $2,200.00 per year - $91.20 per semi-monthly paycheck) : : : : I don't have time to do the extensive research required to make an informed decision, so I hope the people who read this board will give me some guidance. : : : : Please note that the agent did not sell all of those policies as a single "package." I totaled them all up myself since I'm an all-or-nothing personality! lol :) : : : : Thank you for any advice and guidance. : : : : Clueless Employee

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