Members

• Our plans can offer no “Barrier to Benefits”, as the majority of our plans do not require answering health questions for acceptance or impose  any pre-existing limitations once you are covered.

• AWP medical plans are designed to cover basic medical services but not major medical expenses.  We do not recommend that you drop any major medical plan you now have to join our plans, but they can be used to enhance existing coverage.

• We recommend you use our “Preferred Provider” participating hospitals, clinics and doctors to obtain discounts for these services, but you can use any provider, should you choose.

• Payment of benefits is made by assigning reimbursement to your provider, and should you use a participating provider (PPO), the services will be discounted and then paid.  You can also elect to receive payment back to you in cash.

• Other valuable cost saving features covered if elected by your sponsor include:

           -   Use of retail or immediate care clinics
           -   Our telephonic or online doctor services
           -   Patient advocacy and cost reduction assistance

• Catastrophic major medical and critical illness coverage is also an individual option that you can consider.  We can provide access to a number  of plans to choose from, but these require medical underwriting.  Most of these insurance plans can be individually billed to you or payroll deducted for convenience.