We have a couple of policies through them. One policy that my husband bought costs us around $17/month and covers specific health issues (heart attach, stroke, coma, and a couple of others). Well, right before I turned 34, I had a couple of minor strokes. They were full-fledged strokes, not TIA, but I was able to recover completely.
That AFLAC policy ended up paying my around $8,000. My out of pocket costs after my regular health insurance paid were $4,000, so I ended up with about $4,000 left over that I could use however I wanted.
Most of their policies offer some sort of wellness benefit. One of ours will pay $60 per person on the policy that has any kind of doctor visit. Another policy pays $75 per person for any cancer screening (Pap, PSA test, mammogram).
You can download the claim forms from their website, fax them in and they pay within a few weeks.
AFLAC has definitely been worth the money for us!
Sue