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 Posted: Tue Apr 28, 2009 11:04 am Post subject: AFLAC cancer policy |
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I want to know if buying cancer policy is a good idea or not. I've recently come to know about an aflac cancer policy from my workplace but before buying one I'd like to hear it from people who have used it or have any kind of experience with AFLAC.
Thanking in advance.
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seekinginfo
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| Posted: Tue Apr 28, 2009 11:20 am Post subject: |
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Hi Seekinginfo, you should always read the fine print of the aflac cancer policy before buying one. As far I know cancer insurance offers really limited coverage. Its coverage is restricted to cancer related treatment only. A good health insurance in place of cancer insurance can be of better help.
While buying the aflac cancer policy, check the list of exclusion. Many plans would typically exclude certain chemicals used in the treatment. Therefore, its important that you learn about the excluded medicines before filing a claim. Also check whether or not it would cover the costs of cancer screening treatment.
Hope you would learn more from the experts.
~Jeremy |
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JeremyHolter
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| Posted: Tue Apr 28, 2009 11:28 am Post subject: |
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All I can tell you is that I've seen it pay on both of my grandparents...you'll have to weigh the premium against the benefit...and of course as Jeremy suggested read the policy...I have one of these policies myself (as well as another aflac cancer policy ) and don't find many exclusions...you'll likely have to buy it and review it during the free look period then cancel if you are not happy with what it says.
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Lori
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| Posted: Tue Apr 28, 2009 11:29 am Post subject: |
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Everytime you buy insurance you must check with the Department of Insurance (DOI) about the company. The DOI maintains a log of the customer complaints against an insurer. So, insurers with higher number of complaints should be avoided.
However, I personally have no experience with any aflac cancer policy, but have heard that they really play tricks with you when it comes to pay for the claims. Hence, be absolutely sure about aflac and the aflac cancer policy before you put your money in their hand.
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Jerry Holland
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| Posted: Fri May 01, 2009 5:44 pm Post subject: |
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| Hi, I have heard and read nothing but good things about AFLAC. As far as the aflac cancer policy is concerned, as Lori has stated always read the fine print as some exclusions may apply to certain treatments and medicine. And compare it to a full coverage medical insurance compare to just cancer insurance. |
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GarySnober
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| Posted: Mon May 04, 2009 4:46 am Post subject: |
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I don't want to sound like a honk for an aflac cancer policy or any other worksite-type plans, but my personal and professional opinion is that these companes fill in the gaps left by group and individual medical-expense plans. They offer lots of different benefits, and every employer should offer them. The tax-benefits are good for all parties, and the rates aren't bad for most plans.
Their purpose isn't to pay for your medical bills, that's what your medical insurance is for. These plans put money into your pocket if you're diagnosed with a specific, or "dread" disease, like cancer, heart problems, etc. They are specific to the disease, and normally pay a lump sum upon diagnosis and/or dollars for ongoing treatment. When associated with a supplemental disability plan and medical insurance, with these plans you'll be in a lot better shape than if you didn't have the coverage, believe me.
As far as claims payments have been concerned, I have a couple of supplemental plans, and I get a check in about a week after I submit the claim. Never had a problem.
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InsTeacher
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| Posted: Sun May 24, 2009 12:37 am Post subject: |
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Well i think you should check the rules there as there are many hectic rules as well as many exceptions there for the aflac cancer policy .
Better get it check with the Department of Insurance (DOI) about the company. The DOI maintains a log of the customer complaints against an insurer. So, insurers with higher number of complaints should be avoided.
Also if you got that much need like some people over say 40 years of age then you can take it as per the risk factors are concerned.So use them as if you have to be getting benefited by them. |
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shadowking
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| Posted: Mon Jul 20, 2009 12:27 am Post subject: Aflac |
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I just wanted to say that I have seen Aflac's Cancer policy work. I have a friend that got breast cancer and she had told me what they did for her and said she would have been in such a financial bind if she had not taken it out where we both worked at the time. She begged me as a friend to get the cancer policy the next time they did an enrollment because she did not want me to have to deal with cancer without it. Since then I just 3 month's ago became an Aflac agent, and the reason I did is because I beleive in Aflac and what they offer. I wanted to be able to help people but like most people I also needed a paycheck too. Aflac gives me the opportunity to help both. I just wish I would have gotten into it sooner so I could have helped my other friend that also got breast cancer and she lost her breast, her husband lost his job from missing working to be with her and then they lost their home. You should be asking someone who has gone through cancer. Let them see Aflac's brochure and see what they say about it.
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MaryAnn Jernigan
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| Posted: Fri Jul 24, 2009 8:03 pm Post subject: AFLAC Cancer Policy |
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I personally have the cancer policy from aflac with the first time occurance increasing benefit rider. I have had my policy since Sept. 06. At that time I was 29 and my policy costs $23.60 per month which is locked in and automatically deducted from my bank acct. I don't even miss the money. I chose to get the policy because I have a family history of cancer. I hope I never get it, but if I do, this will provide me with extra funding for loss of work and some treatments that are not covered in normal insurance policies. It pays you above and beyond your regular insurance policy, too. Even if your treatment is covered, aflac pays you personally. It will even cover hotel stays that you must pay to get certain treatments. For me, it was worth it. As an added bonus, just for getting screened via a pap-smear, colonoscopy or mammogram, AFLAC sends me $75 (for one screening). That's over 3 months of premiums. Because my Dad had colon cancer at 33, I have had a colonoscopy and all women should get a pap-smear yearly, that is not a big deal at all. My insurance paid for my screening and AFLAC paid me.
Keep in mind that the policy must be in place for 30 days (if I'm not mistaken) before being tested to be covered. Other than that, I don't see catches!
Good luck with your decision.
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psujem00
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| Posted: Fri Jul 24, 2009 8:07 pm Post subject: Cancer Policy |
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One more thing... that's $75 per year for screenings. 
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psujem00
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| Posted: Fri Jul 24, 2009 8:15 pm Post subject: Cancer Policy |
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| Ok.. just registered. The 2 previous posts by psujem00 were both mine. |
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psujem00
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| Posted: Sat Jul 25, 2009 6:22 am Post subject: |
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Hello Psujem00, thanks for taking time in sharing the information with the members. It'd certainly help them a lot with their decision making. I too personally have heard good things about AFLAC. In fact some in my house too have AFLAC plan through their jobs.
Hopefully you'd never get diagnosed with cancer but it's better to be covered if the need arises. |
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simon
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| Posted: Fri Aug 14, 2009 1:18 pm Post subject: Cancer Policy |
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If you have a family history of cancer or have reason to believe you may be at risk then the AFLAC policy is a solid choice. It will not pay your medical bills. That is not its purpose. This pays where health insurance leaves off. My mother was diagnosed with breast cancer. She has medical insurance and medicare. She does not have a cancer supplemental policy in place. We are finding first hand how many extra expenses may be involved. My parents are afraid they may lose their home.
I am at an increased risk due to family history. It gives my husband and I peace of mind knowing these added payments are available since I will likely lose some work if I need to be treated.
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MissyAZ
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| Posted: Wed Nov 04, 2009 10:39 pm Post subject: Thanks |
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Thanks for the recommendation. I just got an AFLAC cancer policy at eSupplemental.com
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Todd Eperson
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| Posted: Sat Nov 07, 2009 7:18 pm Post subject: |
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| I have read and heard good things from Aflac as well. |
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InsuranceMedics
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