I first received AFLAC at my new job. My employer allowed them to come in to sell their product it is not offered thru work. First issue, the agent sent the wrong amount so payroll made an error and I received a paper for hundreds of dollars now owed to my employer. When I spoke to my agent who was emailing HR but would not answer me, she said, "well is there claims you can put in for some money back" here is the issue, I put in several claims and they are denied. Also for my husband. Some claims were paid but not completely. I WANT TO CANCEL THIS DISGUSTING POLICY. I know have a broken foot that was an accident went to the ER and because of the break sent me to and Orthopedic Surgeon. He did xrays for himself and gave me an aircast and knee wheeler to use. THEY NOW TELL ME SORRY ITS A VISIT you get $50. REALLY?????????????????? there is nothing that says that he is a different doctor and it is not a follow up its a orthopedic surgeon because there was not one at the hospital the night I went in. My agent and her assist are rude and maybe email back if they feel like it. I said I am contacting the insurance department and want these horrible policies cancelled but noone will help me