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Affiliated Workers Association

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Consumer reviews about Affiliated Workers Association

michael paulsen
Jan 20, 2012

red flag

Hi, I am a dislocated employee do to Plant Closure, 24 year employee looking for online health care, this is the communication between myself and plan I was offered. IF I COULD SEND THIS TO THE ENTIRE WORLD TO PREVENT ANYMORE UNFAIR POLICIES.


Hi, I am concerned I will start policy just to get activated and then when we get underwritten the policy will dramatically increase or get cancelled. How can you quote a price prior to evaluating pre-existing issues. If your employer can promise in writing that this is the definite monthly premium after underwritten has been finalized then I am interested! I was only approved on the very minimal questions. For spouse the questionnaire was name and birthdate. I really have better things to do, I lost my job of 24 years due to plant closure. My unemployment barely covers monthly health insurance. I know you really do not care about that part!!
Mike


Michael,
This is a guaranteed issue at this point. There is no medical underwriting to be done, next step is to get you enrolled and coverage started. The premium is $709.00 and will enroll you at that amount no more than that. I haven't seen a price increase in 2 years and from what I understand they do not operate that way. Does that help?
Hawk Agency
Amy Loyd
Healthcare Advisor
877-526-8844 ext 121
[email protected]

Michael,

Here is the information you were needing regarding the Select Care Plan. There no co-pay and no deductibles on your medical. This coverage is group Insurance PPO plan, it bills through the Multi Plan Billing Network, this is where the doctors will be filing claims and receiving their payment. The Multi Plan logo shows on the face of your insurance card. With this being a PPO plan you can also see the abundance of doctors in your area by going to WWW.Multiplan.com .

You also have the Consult a Doctor Benefit which gives you 24/7 access to a licensed physicians by phone or email, they can also fill prescriptions for you as well without even going to the doctor’s office. You have full benefit coverage’s for Dr. Visits, Lab/x-ray, preventative, ER, Hospitalization and surgical, as well as prescription and vision coverage.

Your coverage is backed by US Health group, Freedom Life, Cigna, and Mutual of Omaha. You can see Mutual of Omaha’s financial stability rating at www.ambest.com as well as through Better Business Bureau. You will see there that Mutual of Omaha has an “A+” rating for your peace of mind.

Also the coverage includes your medical, Vision and Prescription coverage all under the same premium. This puts your coverage under a group health plans which is what is keeping you from having to meet a deductible. Also, this coverage is devised to be month-to-month plan so that you are not under any contracts. It is strictly devised to help you have health insurance to cover pre-existing conditions in whatever time frame you need it, and there is no cancellation fee, you can cancel at any time.

As I stated to you I have you approved for coverage with the Select Care Plan for $709.00 a month with a one time processing fee of $99.00, this gets you activated in the insurance systems and gets the policy underwritten, and we can get your coverage started for you.

I look forward to speaking with you again and getting you enrolled In this great plan. Thanks and have a great day! www.awaselectcare.com/hcc

Hawk Agency
Amy Loyd
Healthcare Advisor
877-526-8844 ext 121
[email protected]

PaJoh62
Feb 29, 2012

red flag

Has anyone signed up for NBLA Insurance, And Then when it IS time to get it they change it to WAS Insurance

M Ge
Mar 23, 2012

red flag

I was looking for a health insurance and I was contacted by a fast talking broker or agent who offered a seemingly affordable health insurance. Without hesitation I gave him my debit card information. After the effective date I went to see a doctor and they decline to pay the portion of the payment that was promised by the agent or broker who contacted me first, then when they send me the scheduled benefit health plans many important coverage were not available and for some benefits there is only one day benefit per calendar year. It was a case of misrepresentation. Before I filed a complaint to the department of insurance in the state I live I was contacted from their collection department notifying me that my coverage is temporarily suspended. At one point I was directed to a third part who told me they are not a part of this health insurance company and could not answer any of my questions. So, I really don’t like it and I am in the process of filing a complaint to the Department of Insurance to get my initial payment back.
M.G.

Sue Racz
Apr 3, 2012

red flag

I am loosing my job May 25th so was looking for health insurance for myself and my husband. We both have pre-existing conditions and I was told by BCBS that I will not get health insurance anywhere I will need to pay Cobra until I am 5 years cancer free. When I got this phone call I thought WOW this is great only $499.00 a month 100% for everything, 60% dental and eyeglass. Kaylia her name was also told me I would get $15, 000 life insurance policy throught MetLife, $50, 000 accidental death insurance and IF my cancer came back or I had a heart attach I would get a check for 10, 000 no questions asked. She wanted to take a payment right then but after watching a TV program recently I was a bit uneasy. I told her I wanted to call my doctors office as she said he excepts the plan to validate they have had people use this coverage. Her tone seemed to change at that point. I will be calling her back today.

"Ripped" off Rotator
Apr 9, 2012

red flag

What a rip off! I just dropped USHEALTH GROUP/FREEDOM LIFE! I recently lost my health coverage at my employer of 10 years due to cut backs. So I was shopping for a health insurance that would help me with my torn rotator cuff, knowing that I needed surgery and I was very clear to the sales agent of my condition. After talking to the surgeon I found out that only $2000 of the surgery will be covered for all of my medical needs for an entire year by USHEALTH GROUP/FREEDOM LIFE . Just the orthopedic surgeon alone will cost $25, 000! I was told very clearly by the insurance agent that I would have no worries, no co-pay for surgery and that at least 40% of the operation would be covered. After getting only $10 off of my one generic prescription which cost me $88, only $50 off of a $250 Ortho co-pay and was now told that USHEALTH GROUP/FREEDOM LIFE also denied an M.R.I. which I payed $500 out of pocket for.
So I hope this might help someone that is in my shoes and is new to the health insurance shopping world. I'm an honest tax paying middle class male and I once again have learned the hard way and I'm out my $115 joining fee and one $264 monthly payment.

jburge
Apr 10, 2012

red flag

IF YOU ARE CONSIDERING THIS FOR MEDICAL INSURANCE PUT YOUR COMPUTER DOWN AND BACK AWAY SLOWLY!!! Just dropped this insurance!!! Started when I was online looking for health insurance. I have a pre-existing condition and am on VERY expensive medications. After searching for quotes online I was contacted by an agent for this company. I was cautious. Probably talked to them 5-6 times before I agreed. Paid $313 for my monthly payment and $99 one time enrollment fee FYI enrollment fee is non-refundable. Received my benefit packet in the mail and nothing is the same as what I was told. I was told that Cigna would be my Health insurance provider, nope. I was told that CVS Caremark would be my Prescription Plan provider, nope. I was told that ANY medication would be covered and my cost would be $10 or $20 depending on generic or brand name. HA!!! The packet says either the $10 or $20 or 50% which ever is greater. My meds are thousands of dollars so obviously that won't cover them. I just talked to the prescription provider and they aren't even covered and there is no way to get them covered!!! They will only cover $300 a year for labs, x-rays and diagnostics. I have an annual MRI, yea right.
The only thing good was when I called to cancel the representative I spoke to was kinda whispering telling me other sites to go to to get assistance with my medications.

Ellen M. Slavey
Apr 11, 2012

red flag

I just signed up today. I have been on COBRA and it's quite expensive. Having no deductibles sounded very good. I'm confused about the prescription coverage. Does it pay the cost of the medication minus $10 that I have to pay or is it the other way around in that they pay $10 and I have to pay the rest of it. The agent was rather confused about things and vague in her answers. This sounds SO good and I want it to be legit, but what should I do? Call and cancel tomorrow? HELP!!!

"Ripped" off Rotator
Apr 11, 2012

red flag

Hi Ellen, The insurance card will cover $10 off of your generic prescription, so if your prescription cost you $100 it will now cost you $90. My screen name is "Ripped" off Rotator if you would like to read my comment. Also scroll up to read the other comments. There is nothing good about this insurance, the agents that sell it lie. Do not use your card or you will not be able to a refund of your first payment. Hope this helps, I was told by my physician to stick with insurances that are reputable, such as Aetna, or Cigna.

sucker4cheap
Jul 14, 2012

AWA HEALTH INSURANCE

How do I get out of this? I am so dissappointed in people, the fellow who sold me on this said it was great, but from what I have read so far, I really screwed up. Need to get out of it. And I'll lose $100 bucks.

I Rubin
Nov 8, 2016

Bait and Switch Operation

AWA is the worst. Classic bait and switch. I called up to ask about coverage of an upcoming procedure and they kept saying, "we'll cover up to $2,000 as long as it's a provider in our primary PPO category", or "we'll cover up to $125 for an x-ray", etc.

I get the bill back. AWA covered 19% of an approximate bill of $2,300. I had to pay the rest. When I called customer service to get an explanation, they first keep you on hold forever, and then they explained, the $2,000 was only for the most expensive surgery. And the kind of e-ray I received was reimbursed at $25. Who knew e-rays were so different? Plus, they're manner was very creepy.

This is a scam outfit.

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