There is a 24 hour direct deposit option when you sign on with Aflac. Yes, you can easily file a claim (also by app), snap pics of your diagnosis from a health care facility, and Aflac with drop money directly into your bank account - usually within 24 hours.
I pay $8.68 twice a month to Aflac. It is taken directly from my pay. No worries, no bills. I decided to download the app for easy "file a claim". There is a "Wellness Option". The month I signed on, I had a primary care visit (other doctor visits are acceptable, too). I filed a claim (in less than a minute), and they dropped $60 into my bank account just for following my well-care routine.
I quickly uploaded my claim for my foot injury. Within 24 hours, Aflac direct deposited $290 into my bank account. $200 for the emergency room visit and $90 for the sutures (less than 5 centimeters - more if it is a larger cut). On my follow up visit to my primary care physician I received another $40 when the stitches were removed. Yes, within a week I received $330.
Why I love Aflac: No hassles, no worries, they are honest-to-goodness decent people who don't argue your claim.
If I have to see my primary for ANY reason due to an accident related injury it is $125 just to walk in the door. There are so many other options. Here is a guide of what to expect for reimbursements. Many of the rates have increased since this printing.
The reason I chose Aflac is simple- peace of mind. I have never felt such peace just by signing onto a supplemental insurance company. It is as if someone is paying ME for my pain and suffering. I'm certain many of you can relate. We drop things, slip, and our brains get foggy. Just knowing that there will be some form of reimbursement when I'm down and out can really throw a bit of a positive spin onto an already dark situation.
I decided to opt out for the affordable short term disability. What happens if I can't work? At least I know for only $16.58 twice a month I have a six month policy that will help me through the financial struggles while I file for disability. My hopes certainly are that I will not need it. But the reality always kicks me in the ass wondering, "How will I pay the bills if I relapse?" As bills are paid, I plan to boost up to a full year short term disability.
Fibro is often about fear. How will I pay the bills if I can't work any longer? How long will this recent accident lay me up for? That fear causes wide spread pain. What if you can take just a part of that away with some reassurance? Think that will make a difference? You bet it will! Best of all it's affordable. I can't even begin to describe the comfort I have now knowing that there is some reassurance when things go south.
One last thing. Aflac is cheaper through your work. If you don't have it offered at your job, find out if they can bring an agent in. You only need three employees to sign up. And, my friends, it is worth more than its weight in gold - that I can tell you.