• Report: #172665

Complaint Review: AFLAC - American Family Life Assurance Company

  • Submitted: Sat, January 21, 2006
  • Updated: Sat, September 02, 2006

  • Reported By:Richmond Virginia
AFLAC - American Family Life Assurance Company
Worldwide Headquarters: Columbus, Georgia U.S.A.

AFLAC - American Family Life Assurance Company ripoff Deceitful Always told something different whenever you call Inconsiderate Columbus Georgia

*Consumer Suggestion: No catch involved...

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I was a policyholer w/ aflac (intemsive Care)A.Daily Hospitall ICU For: Days1-7;$600.00 Days 8-15:$1,000.00 Benefit Limited To 15 Days Per Period Of Confinement. B.)Daily Sub-Acute(Step-Down Unit) ICU:$250.00/Day Up To 15 Days. (Def. of Policy)(ICU):a specifically designated facility of the hospital that provides the highest level of medical care and that is restricted to those patients who are critically ill or injured.(1)Intensive care unit;(2)Cardiac intensive care unit; (3)infant(Neonatal)intensive care unit.

I was in the hospital for 10 days 6 of those days was spent on the ccu unit with round the clock nurses and doctors with medical records to prove it . AFLAC for some reason don't know what CCU stands for. I have sent my medical records and the specifically say Critical Care. Now Im being told that its not intensive care but my policy say for critcal care patient. It could be the way the policy is worded or maybe not. I was in the hospital for spinal leak due to puncture spinal cerebral which turned into spinal menegitis. The first attempt to repair didn't work that's how I ended in intensive care. Iwas on the same unit as a sick friend of mine who was dying and later passed a few days after my release. If someone could give me some advic I would gladly appreciate it! I also realize that there may not be anything I can do. Just want everyone out there to please read between the lines when getting those types of insurance. There's always a catch!

Patricia
Richmond, Virginia
U.S.A.

This report was posted on Ripoff Report on 01/21/2006 11:00 AM and is a permanent record located here: http://www.ripoffreport.com/r/AFLAC-American-Family-Life-Assurance-Company/Columbus-Georgia-31999-00011/AFLAC-American-Family-Life-Assurance-Company-ripoff-Deceitful-Always-told-something-diff-172665. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Suggestion

No catch involved...

AUTHOR: Brandy - (U.S.A.)

The highest level of care varies based no the hospital itself. If they can not verify that the room you were confined to was their "highest level of care" then the ICU policy will not pay. If they say it is, they need to send it on their letterhead stating, from Date XX/XX/XX to XX/XX/XX you were confined in their highest level of ICU. Send it to claims and have it re-reviewed.

People are so quick to bad mouth a company when things arent going according to their own personal plan, but sometimes its not the company that is at fault, its faulty information or a lack of necessary information that is to blame.
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