Affiliated Workers Association [AWA]
Reviews and Complaints

I h had been with WAW for about a year and when I was getting signed up with Medicare and my secondary insurance and PDP, I canceled the police with WAW. A week ago I was gong over some of my credit card bill and dicovered that they have still be taking the money out of our account. I called the number on my credit card and just got a fast busy signal. I had got rid of all my old paper work thinking I was finished with them (they also didn;t pay what they said they would). I am from Wyoming but I sure would like to file a class action suit or get the company to refund all my money. My e-mail is sharpgaryandnancy#yahoo.com I hope to hear from other people on this

I also have been screwed over by AWA (Homeland Health Care). Was sold a policy in 9/13 covering me with my pre existing condition (Type 2 diabetes) and was told by agent that it would cover everything that my old policy (with my employer before I retired) covered. In January I had to be rushed to the hospital with severe pancreatitis and have to be treated with IV antibiotics and have my gallbladder removed. Needless to say, after 5 days in hospital and receiving a bills totaling around $55, 000 I am now left with major medical bills and insurance that claims most everything is NOT covered under my Multi Plan. Insurance paid around $4, 000 total. This company is a joke and its sad that they can do this to people with no thoughts as to how this can affect them in the long run. A big shout out to anyone in the state of Indiana area that has coverage with this company. I have been in touch with the State Insurance board and if everyone that has had problems with this company in Indiana get together maybe we can file a class action suit or just get this company to bring some restitution to the people who in good faith signed up for their health insurance. I am leaving my email address to anyone who would like to get in touch with me.

TO: Cane26 and any others out there who may be targets.
Please do not give this company any credit/debit/checking account information. They are selling a bill of goods which will only give you "discounts" on services. Their prescription services are a joke and you can get better discounts using your own grocery store or drugstore. Their Health Insurance will actually say on the card, if you get one, "This is not insurance". The live under numerous doing business as (DBA) and they are selling something that does not exist. Please be WARNED. DO NOT DO BUSINESS WITH THIS COMPANY. You can check all of this ou online.

I am going though the same thing as we speak. I will be cancelling my policy in the morning. The number that I am calling is [protected] ext. 195 to cancel with Lamont.

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...

When you purchase something that has "zero-deductible", you are purchasing a supplemental or fixed benefit health insurance plan... they are meant to help with actual major medical health insurance with a deductible so that the entire cost is not coming out of your pocket until the deductible is met. I have had insurance through the AWA for quite some time now and have a major medical policy AND a fixed benefit plan- they work exactly as their website and information says it will.
The agent I spoke with explained these things to me very well. If you have a problem, call the AWA's customer service reps, because I have spoken to them multiple times before as well- they will connect you with an in house agent that will help sort out your issues if customer service can't do it.

Yes I'm putting a complaint about one of ours workers who comes in sells like weed who's smoking clicking in everyday and that told me that she used someone pee to do her drug testes her name is JAZMINE ROBINSON she's a forklift driver here at Shaw

your all wrong this insurance covers everything it say s it will your not using your plan correctly or using compass which is an advocate service and as far as pre exixsting im saving a ton of money going down to the negotiated rates of multiplan ppo network exactly as my agent discussed and i dont have a certificate of creditable coverage and the plan still works for me you all need to wake up and use your plan correctly as far as speaking to customer service they al3ways answer if i need them and they help me all the time wonderful people maybe your the one being negative and a jerk b4 you even call think about that i love my plan ...

I too have this rinky-dink insurance. THIS IS TRULY A SCAM. I signed up with AWA in December, 2013 and everyone that posted a comment are correct. This insurance is not worth the money. They should be reported to the better business bureau.

My health advisors sign me up CIGNA HEALTH INSURANCE SHE TOLD ME MYMAMGRAM PAID IN FULL NO MONEY OUT POCKET. I PAI D 359.10 A M0NTH HEALTH INSURANCE . THIS SUPPOSED BE PRNENTABLE EXAM THE INSURANCE PAID ALL OF NO WAITEING PERIOD . MY INSURANCE SAY THERE IS 6 MONTH WAITETING .I AM NOT HAPPY INURSANCE BI BROKKER AT ALL SHE WORK FOR US HEALH A DAVOISORS COLO I WIILL NOT RECOMMENDED THIS PERSON
I THINK NEED LOOK INTO US HEALTH ADVISORS OF COLO I THINK THEY KIND FAUD GOING ON

I have had this SO called insurance since 8/2012. It doesn't cover anything, and beware of the so-called provider listing. I needed an x-ray, MRI and EMG; according to the provider listing both facilities were participating, however, once all testing was done to the tune of nearly $8000 - guess what? They are NOT participating providers, when I argued w/AWA and sent them a fax showing their own provider list (printed 1 day before the testing) they said it was my responsibility to check w/provider. I then sent them a fax showing the 2 providers were still listed (3 months after they denied payment to them), they said it didn't matter, the 2 facilities were NOT providers. STAY AWAY FROM AWA, I just cancelled mine in December (they do NOT offer plans that meet the new ACA rules. RUN FAST - VERY FAST.

I signed up with AWA on December, 2012. I left a group policy for the small business I own, that I was paying way too much for, with a high deductible. I basically paid for all my medical out of pocket in addition to paying the high premiums. I tried to get an individual plan for myself, and was turned down due to pre-existing conditions (minor). I contacted AWA myself, knowing that it was not insurance. I needed something to cover doctor visits until the 2014 rules went into effect concerning pre-existing conditions. I have used my doctor visits, and received a refund check for the balance not used on those visits on 2 occasions. I have used the consult a doctor on several different occasions and always received a prompt response and meds called in to the pharmacy when needed. My pharmacy was covered under discount programs through either their association or discounts offered through individual pharmacies. I did not use any of the hospital or lab benefits, and am very thankful that I did not have any major medical expenses this past year. I will be covered under the Affordable Care Act in 2014. This plan was a life saver for me in 2013. Went into the program with eyes wide open and lots of research. Health Insurance it was not, but health cost coverage as a temporary fix.

Agent called and called and called...each time leaving a message to call him back. Today, finally, I picked up, and he said that they were "brokers of insurance" and could get me the best deal for my area. After asking zip code and our ages, he quickly came up with a great product...I do not recall him ever saying "insurance". As a retired Dentist, I was immediately suspicious of the amazing offering he described, but really hoped I was wrong. He told me he enjoyed talking to someone who understood insurance so well, and I was clearly very smart. What a fast talker! And, as I had him go over several scenarios of payouts, he conveniently, perhaps, never talked about surgeries or expensive hospital stays. Seemed to avoid it by describing simple office visits over and over...including drug costs. Ironically, I started to feel a little sick listening to his slick answers. I told him I would do some research, and talk to my wife. That did not seem to put him off. He was very insistent that I ask him all the questions NOW! Of course, had I given him my "refundable credit card charge" he would pocket a minimum of $99. What a racket!

WOW I WAS SO EXCITED AFTER SPEAKING WITH THIS LADY NAME CATHERINE PALMER ONLY A FEW SHORT MOMENTS AGO...I CALLED MY HUSBAND BECAUSE I COULDNT BELIEVE MY EARS...NO CO-PAY FOR MY FIRST 5 VISITS...AND AFTER THAT NO MORE THAN 10-20 EACH VISIT REGARDLESS WITH SPECIALIST OR NOT...AND THEY WOULD PAY FOR MY WEIGHT LOSS SURGERY AS LONG AS MY DR WROTE IT UP AS MEDICALLY NECCESSARY...OMG...I CANT BELIEVE IT...SOI CALLED MY HUSBAND AND HE SAID BABY ALL I CAN SAY IS THINK ABOUT WHAT YOU JUST SAID AND DO YOUR RESEARCH...HE SAYS I DONT WANT TO DISCOURAGE YOU BCZ U THINK YOU HAVE FINALLY FOUND THE ANSWER SO JUST DO YOUR RESEARCH...WELL SHE SAYS PAY $379 FOR YOU AND SPOUSE WITH $99 NON REF APP FEE...THEN MY SENSES KICKED IN AND I FOUND THIS...OH LORD JESUS ITS A FIRE...AINT NO BODY GOT TIME FOR THIS... WE WORK TO HARD FOR THIS...SO FROM THE BOTTOM OF MY HEART I THANK ALL OF YOU FOR SHARING YOUR STORIES...BCZ YOU SAVED ME FROM A REALLY BAD SITUATION...THANK GOD I WAS LISTENING TO HIS WARNING...TRISH

I have been shopping for Health Insurance for several months, unlike most of these other people I have no preexisting conditions, no medications and in good health. I am just self employed and tired of paying high cost insurance rates that I never use. I was contacted by an agent selling AWA insurance and having talked to many agents and asking lots of questions have become somewhat educated on plans being offered and their coverage. I was sold on the low cost of $200 per month including vision and dental with no deductable. AWA did sound to good to be true to me as well. However, the agent did explain clearly the prescription benefits and their 12 month policy on preexisting conditions. My concern is if and when I have a major medical occurrence what will they actually pay? What will be my out of pocket ? I do have a catastrophic illness and accident policy from another carrier but I am still concerned about getting stuck with major hospital bills should something happen to me. Does anyone have experience with a major hospital visit?