Affiliated Workers Association [AWA]
Reviews and Complaints

AWA is a fraud because they don’t explain it is a discounted medicine rather they give you a perfect picture of what you are getting which is a total lie.
Here what the agent told me on the phone. He said that the plan is $0 deductible, $2500 max out of pocket, everything is paid 100% after the $2500 is met, and your doctor visit is $25 copay unlimited visit, and drugs are $10 copay. NOT TRUE! (They don’t give you any document to read until you are charged which itself is a red flag).
After I signed up and received the packet online. I read it and found out, it is just a discounted medicine. I explain discounted rate below for those they don’t know, but first on the doctor visits you only get 3 visits per year for $25, anything after that will be negotiated rate (attached image).
What is negotiated rate or discounted med? For example, your doctor visit is $250.00, the insurance rate with that doctor or hospital or lab Corp is anywhere from 10%-40% discount. So, you pay $150 instead of $250.
This can add up and if you have a major medical emergency it will be a disaster, because you are liable to pay the bill amount minus the negotiated rate (hospital $100k - negotiated rate $40k = $60k your portion to pay). If you are ok with that then this is the insurance for you.

I am a licenced insurance agent. I was formerly appointed to sell for the AWA. There is nothing wrong with the product. Problems occur when "agents" misrepresent the coverage. It is designed for people who are otherwise uninsurable. If you will call Homeland Health Care, they tend to be good about giving you straight information and will refund your premium. There is a problem that the application fee is usually not refundable, but I have known of many instances where the fee was indeed refunded if there was misrepresentation, especially if you had one of their plans underwritten by Markel insurance company. Unfortunately, I am not aware of enrollment fees being returned for any reason if the plan was underwritten by Freedom Life or other companies.
If there was misrepresentation, I urge you to file a complaint with the department of insurance for your state.
IMPORTANT! When cancelling coverage sold to you by a telemarketer, do NOT call the number of the telemarketing company. Call the number on your insurance card or the documentation sent to you directly from the insurance company. It is very common, no matter which company, for the telemarketers to tell you that your membership has been cancelled, then the TM does not notify the insurance company because they want to stall until the "free look" period has expired so that the telemarketer receives his commission.

June 5, 2012, stupidly I did not do my homework and have fallen prey to this same scam. Sold me a health care plan "high risk coverage" with AWA (which combines 3 companies Blue Cross-Blue Shield, United and AWA.) I do not need high risk coverage, they lied about my doctor being in network for a $30.00 co-pay, lied about emailing confirmation within 15 minutes...but they told the truth about $209.00 + $99.00 process fee ($308.00 was debited from my account immediately)... the $99.00 was not refundable...