PissedConsumer.com strives to provide consumers with the right information to make informed purchasing decisions. Our website collected and compiled various consumer reviews about Combined Insurance and Aflac as well as customer ratings and recommendations for these brands. Each brand score is calculated based on set of relevant criteria and displays company performance over time.

Combined Insurance
Aflac

Combined Insurance and Aflac Overview

Total reviews
395
351
Company responses
3
95
Issues resolved
0
2

Combined Insurance and Aflac Consumer Ratings

Rank
112 out of 1051 in Insurance category
77 out of 1051 in Insurance category
Customer service
81 in category
103 in category
Product or Service Quality
91 in category
132 in category
Website
122 in category
129 in category
Billing Practices
84 in category
126 in category

Combined Insurance and Aflac Rating Details

Customer service
1.6 (166 reviews)
1.5 (152 reviews)
Reviewer's quote

...the customer service are rude and have little knowledge of what is going on with your claim. They do not have direct deposit so by the time your claim is completed the processing service they send your check in the mail. At that time your bills are in default...

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...I have spoken with over 35 customer service reps they all were unknowledgeable and very unprofessional. This the worst company. I am currently seeking legal assistance..

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Product or Service Quality
1.6 (146 reviews)
1.4 (132 reviews)
Reviewer's quote

...Customer service told me to submit claim online and then fax the application. Thats' redundant why have online claims then?..

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...they tell you oh were just very busy will get to it when we get to it so the bottom line is the representation that they make when you were signing up for service is all complete opposite of the reality when you actually do have a claim Im going on one month now from the time I filed my claim and Still...

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Website
1.8 (140 reviews)
1.8 (138 reviews)
Reviewer's quote

On their website they claim to pay your claim within 5 days and that is just simply not the truth!!! On a simple health and wellness claim they took 10 days not including mail time before I received payment that should be processed so quickly! I mean you get a wellness exam, i. e. mammogram and...

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...no need to keep calling just check the website. It doesn't matter what I do I STILL get no answers to when this will be settled. Again, I haven't had any money coming in since April...

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Billing Practices
1.8 (139 reviews)
1.5 (118 reviews)
Reviewer's quote

I called our fraud department and was given the number to combined insurance and told that they were billing under my customers wife's name. They couldn't find the policy when we called and they tried telling my customer that they were sorry, but needed a policy in order to cancel the auto debit...

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... times, (probably nine or more times in the last three months) asking them to reach out to the doctor’s office and it was not done according to the hospital billing department. I have been waiting on a claim to be processed for three months now, and now it is too late to get them a copy of that bill, because his insurance *** has already paid it and now o...

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Combined Insurance and Aflac Pros and Cons

Pros
  • Never having to deal with them
  • Totally pissed me off
  • How they made it sound so good
  • Payroll deduction
  • Security i felt while being lied too
  • Payroll deduction and claims are paid in a timely manner
Cons
  • So far my experience has made me think i made a big mistake
  • Customer service
  • Home visits
  • Very poor service worthless insurance
  • Very poor customer service
  • Aflac did not truthfully represent this policy

Combined Insurance and Aflac Most Positive Reviews

Top rated reviews
5

*** *** . this company is the best ! A+ rated!!!

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5

People think that they can use Short Term Disability for many things. A pre-existing condition is one that began BEFORE...

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5

On a ladder, chickens on their roof. Chickens won. Tibia plateau fracture. ER, same day surgery. 7 days after...

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5

I had read all the complaints, while my husbands claim was being processed, I was beginning to get a little worried. My...

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Combined Insurance and Aflac Most Critical Reviews

Lowest rated reviews
1

I had our Class A For Hire 98 FLD120 and our 2008 reefer the truck for 25,000.00 the reefer 30,000.00
with a million li...

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1

I'm disturbed an appalled that my claim was denied I was diagnosed with a sudden bells paulsy which is clinically...

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1

I trusted my sales rep when asked what coverage I would need. Well of course I got hurt at work, and was off of work...

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1

I received a call from a *** Tech Support Company named Nexus Techs. The guy seems to have a heavy Indian accent and...

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Combined Insurance and Aflac Latest Reviews

Recent published reviews
2.2

sstill cannot see any claims this problem has been a few months now needsb to be supported

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1.5

Well, I have been a customer since 2015 and never claimed until recently. I was trying to cut down expenses due to the...

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2.4

Combined takes your payment by credit card does not tell u they never put it through then cancels u . Company is a joke...

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1

OK so when you join Aflac they give this big spiel have there ever was a claim and of the claim process is done online...

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Combined Insurance and Aflac Products and Services

Most reviewed product and services
  • Combined Insurance Claim (100 reviews)
  • Combined Insurance Medical Claim (46 reviews)
  • Combined Insurance Disability Claim (21 reviews)
  • Aflac Claim (90 reviews)
  • Aflac Medical Claim (59 reviews)
  • Aflac Disability Claim (38 reviews)