Affiliated Workers Association [AWA] review: red flag 52

I just signed up for this group. Have I been stupid.

Thinking I might have been stupid too. I got a call from someone from another insurance company who told me that the "insurance" would only pay $10 on a generic or $24 on a brand name medication and I would be responsible for the rest. I called the agent I signed up with and told her what happened and she told me that the other person didn't have the experience or knowledge about the plan and I should just ignore their phone calls. Kicking myself because I did everything over the phone and never had the person come to my house or meet them in their office. Going to do a bit more on this. I paid $209 for first month and $99 for a one time enrollment fee. I'm thinking I may have to look some more.

Yeah its a joke. I paid the $320 as well as I am diabetic and self employed so finding insurance is IMPOSSIBLE. After receiving the AWA insurance package it says very clearly on the front THIS IS NOT INSURANCE. I found out they don't even cover any of my meds which the guy on the phone lied and said yes they do and he even said he looked it up. Basically you pay 250 per month and they will give you a $50 payment towards your 150 doc visit or whatever the case may be...soooooo...why don't i just keep my 250 a month and when I get sick 2 times a year use my 3000 saved to pay for whatever is needed. Now the concern for me was major car accident, broken leg...blahblahblah...anyways, I decided to call Allstate. They apparently offer a type of "aflact" service that will take care of major issues. The platinum package they offer was about 150 per month and seemed to cover a lot. I don't have first hand experience with this claims process yet, I just know that I will be dropping AWA ASAP! Good luck to everyone with pre existing conditions out there. Being self employed with a pre existing condition is a fantastic path to BANKRUPTCY... :) Have a nice day. Heath

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
[protected] ext 121
hawk1@skybeammail.com

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
[protected] ext 121
hawk1@skybeammail.com

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

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.

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.

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.

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.

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!

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.

I had awa I was told it covered preexisting. Well I had to have two knee surgeries and it wasnt pre, yet they still covered nothing and I didnt find out till now that I am getting sued for the bills. is there any thing I can do?

I called two days after I gave them my debit card number and fortunately they credited all but $98 back to my account. I guess that's the cost of being stupid. When I got off the phone I just knew it was the wrong thing to do and I stewed about it. Thanks so much for all your comments. I had a feeling I was getting ripped off. I'm going to stay with COBRA. Whew!

I was contacted by a young man the other day about AWA insurance. He told me that I was approved and could be covered. It all sounded to good to be true so I asked him to e-mail me some more information and I like most of you I never received it. So I looked it up myself. It all sounded good until I found this site. I'm so glad that I did my homework and didn't take out this insurance. I myself sell insurance but my company does not sell general health insurance we deal with Med-sup, dental, life and annuity. If anyone wants to know the creditability of a company go to Weiss and look their ratting up.

I was contacted by agent from Freedom/Homeland Insurance Company selling medical insurance. This insurance was through AWA and sounded great. I was told by the agent selling this insurance that I would pay $10.00 –$ 15.00 for the first 6 doctor visits, and $20.00 after as many times as needed. When I received the insurance policy, it was only a $250.00 a year maximum for doctor visits. I asked two different individuals if there was a maximum on this insurance a year and was told, “No.” In addition, I was informed that for RX I would pay $10.00 for generic and $24.00 for non-generic. Again this is misleading, the policy states that you pay 50% or $10.00 for generic, whichever is more and 50% or $24.00 for non-generics, whichever is more. I cancelled this insurance within one day of receiving the information packet. They stated that they would give me a refund, but of course they do not return $98.00, which is a non-refundable sign-up fee. I was mis-leaded and ripped off. If it sounds too good to be true it probably is. I should have looked up this web site before I signed up for this insurance.

so glad I found this site! I was contacted today by a representative named Jay, I still don't know where he got my information from, he even had my address and email address. He convinced me that he could sign my and my husband up for a plan that would cost us $409 for the two of us per month. He also said part of my maternity costs would be covered (I'm 7 months pregnant). Sounds too good to be true but I talked to him anyway. Then he asked for my credit card or debit and a red flag went up for me. I made an excuse that I needed to use my husbands credit card and he wasnt with me at the moment, that I was out of the house. So he is calling tomorrow and I'm going to ignore the call now. I wanted some time to do research on it first and I'm glad I did! Sounded too good to be true and obviously was.
thanks everyone for your honesty

My letter to AWA today...

Hello,
I am a new AWA member. My policy became effective on 05/15/2012. The
information that was explained to me on the phone (policy & benefit
descriptions) are not the same as what is reflected in my Insured AWA
Benefits. I attempted to look on the sites that were described in the
packet but very very little help on the site. My benefits described on
the phone were much higher then what my policy actually covers. I went
very in depth about me being a diabetic and discussed in depth my
desires in an insurance policy. Needless to say, I am not happy. We
discussed in depth the vision plan benefits and the dental benefits as
well and I cannot locate any benefits pertaining to this via your
website. I request that I receive an email with a detailed out line
explaining any and all benefits that may be related to dental and
vision benefits as well as any additional benefits that may not have
been listed in what I received in the mail. I do not know if I just
received the incorrect policy information in the mail but I hope this
is the case. I really hope that I was not provided false information
so I would provide payment for a policy that was not clearly or
falsely explained... Awaiting response.
Your Customer,

XXXX XXXXXXXXXX

I have talked with at least 10 different brokers about health insurance and every time I check on the validity of their claims. I haven't found a one that pays what they say they will pay. I have several preexisting illnesses and was turned down by BCBS, so now it is impossible to secure a well known company for coverage. Are there any reputable companies, brokers, agents that can help me and not rip me off? I have one month to secure something before my cobra runs out. HELP!

I have AWA too. We were informed by them that pre-existing conditions is covered and there is no waiting period. I am a diabetic and low and behold I get a call from the claim representative telling me my claim will be denied because they won't cover my diabetes until after 12 months. They should have mention this when we first talked to the representative. Do not get this insurance it's not worth the money. We were paying $399 monthly for myself, husband, and two sons. Like someone mention above go with a reputable company like Aetna, Cigna, or United Healthcare to name a few. Do your research.

My husband has had this insurance for 3 months now. He has not used it yet but he does have pre existing conditions such as diabetes etc. Should I be worried? Should we cancel this insurance? The representatives are very rude and do not seem to want to help you at all.

Guilty as charged! Cancelling/ ripping some *88 tomorrow. CLASS ACTION SUIT ANYONE? STRAIGHT UP FRAUD! Sounds to me like they are intentionally deceitful. Or just not telling the whole truth (DISHONEST), leaving information out (DECEITFUL). I have the same complaints as you all! Wish I had seen this first! I'm digging up info on this and I'm not liking what I see at all! I asked over and over if it was Insurance not Benefits. yes, it's insurance... Now I see. He had me search my doctor to see if he was covered, it came up, so I was happy! I have a pre-ex condition so I won't change drs. He told me they would cover my pre-ex after 12 months. Tonight...I find NO/ NONE/0/ZIP doctors in my area on the search now! How did they rig that!? Yes, had all my info too. Even called me by my maiden name, which was a while ago. But I had been searching for health insurance, so I thought it was legit call stemming from that. I recently got accepted by a government plan but awa was cheaper, of course. MANY RED FLAGS! Gotta listen to that intuition! First person I talked to said I would be under Blue Cross/Blue Shield. Second person said US Health care or group but couldn't explain the change. They did call from a local number!? Calls are supposed to monitored and recorded. They better hope so, I see so many contradictions in our conversation now! I NEVER shoud have agreed and don't know what I was thinking! I have all my info from the real government plan now, card and all. $129 for FALSLY ADVERTISED crap that covers nothing? Or $178 for a much more reasonable amount of coverage for the price and pre-existing conditions are approved. I know my plan has not been paid for yet, but I'm stopping by the bank tomorrow if awa refuses to give me my money back. I WAS MISLED AND THE OTHER PARTY KNEW IT. Ugh...I knew something like this would happen! But thank you all so much for sharing your experience! :)

I lost my job and had to sign up for some health insurance. I spoke with these folks and was delighted by the price and that pre-existing conditions wasn't a problem. What's covered in the packet you get is not the same as wes explained over the phone. Well, the reason pre-existing conditions it isn't a problem is that they won't pay when they get the claims. I paid for two months, then got a job and group Insurance. Now I am getting calls that I need to submit all this information to prove the Doctors visits had NOTHING to do with pre-existing conditions. If so, they don't pay. This is exactly NOT what I was told on the front end. Bottom line, they held the claims until I left and now won't pay. They had no problem keeping my 2 months payments though. Beware before you sign up. Don't assume your claims are being paid. If I had it to do over I NEVER would have gotten this insurance (or whatever they call it). Even if you're desperate, this is not the answer.

By the way, the very next morning, I made a stop at my bank. AWA pushed my date so far up into July so I had time to act. The bank unlinked my card to my account. When they go to get my funds out, they won't be able to! :) Definetly calling the attorney general on this one.

Good luck with it! These kinds of things just make me sick. We have enough problems with employment and just trying to stay afloat without these snakes lying in the grass waiting to bite us. If we have so much "Consumer Protection" then why is it these people still exist and are still screwing people daily? Worst decision I have made lately. Avoid these people like the plague!

Thanks to all your comments here I declined this insurance. I was just about to accept it and then I remember my new policy about buying anything on line..."Check for Reviews BEFORE buying anything". Thanks goodness I did so. It sounded way too good to be true and as some of you know, it is. Thank you for taking the time to comment and keep others from making this mistake. They are fast and smooth talkers! Run.

Thanks everyone for taking the time to comment here. Based upon your comments, I've just declined this insurance for myself. They made it sound so good that I decided to do some checking on line for reviews. Thanks goodness I found this site because I just knew there was something wrong. This is the kind of "insurance...or lack of" that can really lead to someone's death. I say that because if you think you have insurance and then find out when you need it, that your really don't, you might NOT be able to get treatment and it could lead to your or your loved ones death. It's shameful that they can get away with misleading people but I guess that why we must all do our due diligence for something as important as health insurance. Good luck to everyone.

When I read posts like these and talk to potential clients who have been taken advantage of, it kinda makes me upset. Here is the thing to really understand about health insurance, if you have one of the big pre-existings, diabetes, RA, heart attack, stroke, you are not likely to get coverage anywhere except through your state pool or through on of these defined benefit plans. Some cancers are ok after waiting periods. I've gotten people covered who have had heart attacks, though not very often. If your "agent" won't send you a written quote or you can't find out details of a plan on a company's web site, back away. Spending a day to think things through will likely save you some frustration and money. Any legit agent will gladly let you look over what they have. The other thing I tell folks is if they only have one company to choose from then you are not getting the benefit of any comparisons. If your only tool is a hammer...

We signed up for AWA in April and had it thru June. It covered $50 off our doctor visits no problem and 100% blood work thru LabCorp. We had to change only because it did not cover any of my son's insulin for his Type 1 Diabetes. So it wasn't all bad for us.

I was called by a woman from Martin and Assoc (ins brokers) and told that NBLA (my health ins at the time) was being taken over by the goverment and that her company was assigned by the government to help their clients find new insurance. NBLA had promised to never raise my rates and in a 2 year period did so 2 times. After one year they stopped paying for my husband's medications. They also kept cutting what benefits they would cover. Because of this I believed the woman from Martin and Assoc. and agreed to sign up with the insurance she was presenting to me, AWA (Homeland). She also told me that all I had to do was write a letter of cancelation to NBLA and email it to her and all charges from them would stop immediately. I questioned this since they were supposedly being put out of business by the government. She said it was just a formality. When I got my credit card statement I had 2 charges from NBLA and one from AWA. I called the agent and she told me that NBLA commited fraud and since there was no way to get a hold of them I should call my credit card and file a fraud claim. Fortunately for me I got someone at the credit card company who was willing to go above and beyond. He looked up NBLA and got them on the phone. We were informed that they are not being taken over by the government, they did not receive any cancellation from me, & that the only way to cancel with them was to fill out their cancellation form. They emailed it to me and told me as long as they received it by the next billing date my card would not be charged again. They will not refund the 2 charges on my June statement. After that call my credit card looked up AWA and called them. They apologized for the agent and promised me they do not do business this way and would take this tactic up with Martin and Assoc. Of course I will never know if they in deed do this or not. This also told me that I still had my 30 days to reveiw everything. If I choose not to go with them they will return the premium but not the enrollment fee which I understood from the begining. I'm not sure about AWA and I know NBLA did not keep their promises but the party at fault in all of this was the insurance agent at Martin and Assoc. The scariest thing is that according to Obama Care in a year or so we will all be reguired to have health insurance. It won't matter if we save money to cover our medical expenses as one commentor suggests; we will have to have medical insurance. With all these agents out their lying like this how many more people will be taken advantage of trying to uphold what the government requires. If you ask me instead of making us get medical insurance the government should be regulating the insurance industry and everything connected to it instead of setting us all up to be the fatted calf for these companies.

Same deal with myself. I have a condition & self employed and can not get insurance. they contacted me and gave me the whole gimmick and I signed up. I just got my packet and its nothing what was presented to me. In fact it was a rather poor for the cost of it. I canceled but still out $99.00 price of a good deal right.

I, m sorry to say that i, m in the same boat as everyone else is.As an aging senior I needed to get insurance for my wife, I have the VA myself.We don, t use doctors unless we, are sick and thank god we, re not sick much.It, s been over 30 years sense my wife has been to a doctor.This is the starting of trouble.At a physical they found a lump on my wifes breast and it ended up being cancer.Well thanks to AWA/whatever other names they go by it is now costing us 11, 000.00 a treatment.It, s the love of my life for 42 years and i will pay.But some how I will make them pay. Madmac

I recently signed up with the AWA and read these comments after enrolling. I admit, this site is intimidating. I think I lucked out and got a good agent that was honest about the plan and was forthcoming with how to best use the plan. I ended up filing a claim after visiting the ER for an emergency appendectomy surgery, and I made sure that the PPO discount was applied as well as the dollar amounts that they pay. After I got the invoice, I called the Karis group with the bill. They had me send it in and got it reduced even more. I've been told I'm "uninsurable" because of my pre existing conditions and was grateful to at least have some kind of insurance, and am actually happy with the results. My out of pocket was less than I thought it'd be, and I'm actually glad I purchased the insurance. I would recommend it to those in need.

I did something today that I am so ashamed of because I know better. I received a call about insurance that seemed to have the coverage I needed at a price I could afford. Right now I have a major medical policy with $1000 deductible including prescriptions. I have had to go off all my medicine and I can't afford to go to the doctor because I don't have any money left after paying the premium. So I not only went with this company (AWA), I was dumb enought to give them my checking account number. I called back within two hours to cancel but, guess what, all I get is an answering machine and I bet no one will call me back. How do I cancel this and protect my checking account, and also protect my credit when they try to take the money out and find that I have closed the account? Do I have any course to protect myself from this mistake?

OMB i have been looking for insurance for about 3 months and can't find a thing, today when I was suffering the net for quotes from BCBS, ANETA ETC, I also received a call from a sales rep with AWA I feel so stupid cause I also gave them my bank account # now I have to go and see if I can cancel payment and close out my bank account... so where do we turn to know, Obama... how do we stop insurance fraud.. this is so frustrating

I am a diabetic that was covered under my husband's group plan at his employment. In 2010, he got MRSA and lost his left hand. His employer decided that a one handed maintenance man was a liability and terminated his employment. He was able to go to the VA as he is a disable veteran and I went on COBRA for 18 months.
At the end of that time, I went on the insurance at my employer's with a slight savings on the premium and higher co-pays. In May of 2012, we were notified that the premiums were going to increase by 50% a month. I started looking, again, for individual coverage.
I had paid in a total of $1144 when I checked the coverage for a routine visit to my PCP for my diabetes. The insurance will pay $50 of the $120 office visit. Then I needed to go get lab work done, the benefits paper says will pay $25.00 per test up to, I think was $200 per year. I don't know if that means that they will pay $25 for each of the four tests my doctor had run or $25 per lab visit.
On Saturday, I got a letter in the mail asking for more info about a claim. I called them and was told that since I had diabetes when I signed up there is no coverage for 12 months. I had already cancelled the policy and was not very nice to the girl on the phone. When I told her that I had given all the info on my application, she told me she did not have access to the application info and pre-existing was not covered for 12 months.
Had I just put that $209 a month in my savings account, I would have had the money to pay the doctor visit and lab without a problem, now I have to come up with the money and start saving for my December round of doctor and labs.
DO NOT SIGN UP FOR THIS! IT IS A RIPOFF!

DO NOT USE MARTIN N ASSOCIATES FOR AWA INSURANCE THEY LIE TO YOU ABOUT THE COVERAGE THAN YOU GET THE INSURANCE AND IT IS NOT EVEN CLOSE TO WHAT THEY SAY I TAPED THE LADY WHEN SHE TOLD ME ABOUT THE COVERAGE THEY CHARE YOU 99 DOLLAR NON REFUNABLE DEPOSIT WHICH I WILL NOT PAY .PLEASE DO NOT USE THEM

Okay, now I get it...

This *was* working for me for a while, then in May of 2012 they failed to process a claim properly. I have the EOB (Explanation Of Benefits) which provides a name of a woman I don't know along with her policy info as the Subscriber, my wife's information as the patient - for my Prostate Cancer checkup visit.

Time to go to the Insurance Commissioner...

Now, at least, I know I'm not crazy...

i too got ripped off by this coverage, they bare faced to me about it all, then when i stopped the payments i called them and after about 30 min of her telling me they never told me this and that, i said you will not get another dime out of me, i hung up on her she was still screaming at me, no money back either, a 600.00 doller lesson learned, what a rip off !

I too was duped into buying AWA after I retired and no longer had BCBS. I have pre-exiting conditions, so major companies won't touch you, your on your own. Like everyone else in this query, I was really taken for a ride. I have found out that nothing that is told you by the slick saleman is true. The starting date is a month away from when you sign up, the RX's are $220(in my case) for a generic drug I use to pay $40 for, your only allowed 5 visits a year with your doctor(I have eye problems and see my doctor twice a month). Every time I write a letter of complaint to them, I get some slick answer. The last complaint I sent them about the RX price, they have not returned my email. That has been over a week ago.
So people, be aware. Don't buy from AWA! I am now looking for another company that will take pre-exiiting conditions and not ripe me off.
Taken for a ride too.

I spoke to Michael over the phone. I am a nurse with a history of breast cancer and I asked specific questions about coverage. What I was told over the phone and what is discribed on the benefit coverage literature are two different things. Do not fall for this! I hate to be taken for a fool, but that is all this is.