AWA HealthGuard
The AWA HealthGuard membership includes valuable discounts and special offers on a variety of consumer, business and health care programs and services. It also provides Accident and Sickness Limited Benefit insurance and Group Accidental Death and Dismemberment Insurance to help with out-of-pocket medical expenses. Additionally, the AWA HealthGuard Max membership includes Term Life insurance. These memberships are offered year-round with a choice of four plan levels to best fit your needs.
Click Each Tab Below to Learn More About AWA HealthGuard
Consumer Discounts
Health Care Discounts
Small Business Discounts
Patient Advocacy
Point Health is a healthcare patient advocacy company on a mission to make healthcare easy to find, easy to understand, and easier to afford. Through their product and services, Point Health can help members navigate a complex healthcare system, negotiate eligible medical bills, and ensure they get the most from their benefits. Members can access their smart healthcare platform by calling patient advocates directly. When members need extra support, they also have patient advocates available to guide them through healthcare decisions and even negotiate bills for them.
ScriptSave Rx Savings Card
The ScriptSave Rx Prescription Savings Card provides you access to discounted prescription drug prices. Get instant savings at the pharmacy register on brand-name and generic prescription medications for you and your entire household — even pets. There are no limits on how many times members and their families can use the card.
Telehealth
Talk to a doctor by phone, web or mobile app anytime, anywhere. From your home, office, hotel room, or vacation campsite, simply make a phone call, and in most cases, speak to a doctor in less than 30 minutes, with an average call back time of less than 10 minutes. When you call Teladoc, you will always speak to a doctor who lives and works in the United States and is licensed to practice medicine in your state. Teladoc is also the only telemedicine provider able to treat children from 0-17¹. It’s health care that fits in the palm of your hand.
¹Consults for children under the age of 18 must be accompanied by a parent, guardian, or approved consenter.
IDLife Nutritional Products
IDLife products are scientifically formulated to help you by providing therapeutic doses of specific nutrients to:
- Restore nutrients depleted by your Rx program
- Help your body resist Rx side effects
- Improve your overall nutrition status thus optimizing your health
Additionally, they have been pre-screened to avoid drug/nutrient interactions that may be present with your current vitamin program.
MultiPlan PPO Network
The MultiPlan Limited Benefit Plan Network is a Preferred Provider Organization (PPO). A PPO is a network of health care providers who agree to provide services at a pre-negotiated rate. The MultiPlan Network is an important feature of your AWA Plan. You have access to thousands of hospitals, practitioners and ancillary facilities who have agreed to significant discounts on their medical services. The MultiPlan Network includes nearly 4,400 hospitals, 79,000 ancillary care facilities and more than 700,000 healthcare professionals nationwide.
With discounts averaging 42% for physicians and specialists—the types of services most typically used with these plans—AWA members get more value for their benefit dollars.
Accident and Sickness Limited Benefit Insurance
Unified Life Insurance Company
| Benefit Description | AWA HealthGuard Level 1 | AWA HealthGuard Level 2 | AWA HealthGuard Level 3 | AWA HealthGuard Level 4 |
| Hospital Confinement Benefit | ||||
| Pays a daily benefit if a Covered Person incurs charges for and is Confined in a Hospital for a period of no less than 20 continuous hours due to injuries received in a Covered Accident or due to a Covered Sickness. This benefit is not payable for emergency room or outpatient treatment. | ||||
| Benefit per Day of Confinement | $250 | $500 | $750 | $1,000 |
| Maximum Days per Insured per Membership Year | 15 | 30 | 30 | 30 |
| Hospital Intensive Care Unit Confinement Benefit | ||||
| Pays a daily benefit if a Covered Person incurs charges for and is Confined in a Hospital Intensive Care Unit due to injuries received in a Covered Accident or due to a Covered Sickness. This benefit is payable if the Hospital Confinement benefit is payable and is paid in addition to the Hospital Confinement Benefit.1 | ||||
| Benefit per Day of Confinement | $250 | $500 | $750 | $1,000 |
| Maximum Days per Membership Year2 | 3 | 3 | 3 | 3 |
| Additional Hospital Admission Benefit | ||||
| Pays a benefit for the first day of hospitalization if a Covered Person incurs charges for and is Confined in a Hospital for a period of no less than 20 continuous hours due to injuries received in a Covered Accident or due to a Covered Sickness. This benefit is not payable for emergency room treatment. | ||||
| Benefit for the First Day of Hospitalization | $250 | $500 | $750 | $1,000 |
| Maximum Days per Insured per Membership Year 2 | 1 | 1 | 1 | 1 |
| Surgery Benefit (percentage of Surgical Fee Schedule)3 | ||||
| Pays a benefit for any day a Covered Person undergoes a surgical procedure due to a Covered Accident or Covered Sickness. The procedure must be performed by a board certified surgeon in a Hospital or an Ambulatory Surgical Center. Anesthesia must be administered by a licensed anesthesiologist or certified registered nurse anesthetist (CRNA). | ||||
| % of Surgical Fee Schedule for Any Day in which Surgery is performed on an Inpatient Basis | N/A | 100% | 100% | 100% |
| % of Surgical Fee Schedule for Any Day in which Surgery is performed on an Outpatient Basis | N/A | 100% | 100% | 100% |
| Maximum Days in which Inpatient or Outpatient Surgery is Performed per Membership Year | N/A | 1 | 1 | 1 |
| Anesthesia Benefit - Percentage of Surgical Fee Schedule Per Day of Surgery | N/A | 25% | 25% | 25% |
| Outpatient Surgical Facility Benefit 4 | ||||
| Pays a daily benefit for any day a Covered Person incurs charges for a surgical procedure performed in an Ambulatory Surgical Center or in a Hospital on an outpatient basis. The charges must be incurred as a result of injuries received in a Covered Accident or due to a Covered Sickness. | ||||
| Benefit Amount per Day | $200 | $300 | $400 | $500 |
| Maximum Days per Insured per Membership Year | 1 | 1 | 1 | 1 |
| Doctor Office Visit Benefit | ||||
| Pays a daily benefit for any day a Covered Person incurs charges for and requires a Doctor's office visit due to injuries received in a Covered Accident or due to a Covered Sickness. Visits due to injuries received in a Covered Accident must occur within 72 hours after the date of the Covered Accident. Services must be rendered by a licensed Physician acting within the scope of their license. | ||||
| Benefit Amount per Day | $60 | $70 | $75 | $85 |
| Maximum Days per Insured per Membership Year5 | 4 | 5 | 5 | 5 |
| Diagnostic X-Ray & Laboratory Tests Benefit (including interpretation) | ||||
| Pays a daily benefit for any day a Covered Person incurs charges for diagnostic x-ray and/or laboratory testing caused by a Covered Accident or Covered Sickness. The test must be ordered by a Physician because of a Covered Accident or Covered Sickness and must be performed in a Hospital, Ambulatory Surgical Center, Doctor's office or Diagnostic Center or Facility. This benefit is not payable if Hospital Confinement, Emergency Room or Doctor Office benefit is paid. | ||||
| Benefit per Day for Basic Pathology (laboratory tests) | $50 | $75 | $85 | $100 |
| Benefit per Day for Basic Radiology (x-rays, ultrasounds and other medical imaging) | ||||
| Benefit per Day for Advance Studies (CT scan, PET scan, MRI, EEG, and other tests listed in certificate) | ||||
| Maximum Benefit for All Basic Pathology, Basic Radiology and Advance Studies per Insured per Membership Year | 2 | 2 | 2 | 2 |
| Emergency Room Visits Benefit 6 | ||||
| Pays a daily benefit for any day a Covered Person incurs charges for and requires medical care from an emergency room due to injuries received in a Covered Accident or due to a Covered Sickness. Services must be rendered by a Physician. Visits due to injuries received in a Covered Accident must occur within 72 hours after the date of the Covered Accident. Benefit will not be payable if Covered Person is confined in a Hospital as a result of the injuries received in the Covered Accident or due to the Covered Sickness that caused the visit to the Emergency Room. | ||||
| Benefit Amount per Day | $100 | $150 | $200 | $250 |
| Maximum Days per Insured per Membership Year | 1 | 1 | 1 | 1 |
| Ambulance Benefit | ||||
| Pays a benefit for any day a licensed professional ambulance company transports a Covered Person by ground transportation to or from a Hospital or between medical facilities, where treatment is received as the result of a Covered Sickness or Accident. The ambulance transportation must be within 90 days after a Covered Sickness or Accident. Benefit is payable once per Covered Sickness or Accident. | ||||
| Land Ambulance Benefit | $100 | $150 | $200 | $250 |
| Maximum Number of Trips per Sickness and Accident per Year | 1 | 1 | 1 | 1 |
There is a 30-day waiting period for sickness on the Accident and Sickness Limited Benefit Health Insurance. Not applicable for residents of California, Idaho and Texas.
1The Hospital Intensive Care Unit Benefit is not paid in addition to the Hospital Confinement Benefit in CA; only one benefit is paid.
2Maximum Days per Insured per Membership year for CA residents is 5.
3The Surgery Benefit pays a flat dollar amount, based on the Surgical Fee Schedule, in ID, NE, OH, and TN. The benefits per membership level are as follows: Level 1- N/A, Level 2, 3 and 4 – up to $850. Anesthesia remains 25% of surgery benefit in these states.
CA surgery benefits Level 1 – N/A, Level 2 – 90% of 2010 RBRVS fee with $5,000 maximum benefit per coverage year per covered person, Level 3 and Level 4 – 100% of 2010 RBRVS fee with $10,000 maximum benefit per coverage year per covered person. Anesthesia remains 25% of surgery benefits for California.
4The Outpatient Surgical Facility Benefit is not available in CA.
5Maximum Days per Insured per Membership Year for CA residents on Level 1 is 3.
6The Emergency Room benefit is paid in addition to the Hospital Confinement benefit for residents of CA only. This benefit also includes Urgent Care for residents of CA only.
Accident Medical Benefit and Accidental Death & Dismemberment Benefits
Unified Life Insurance Company
| Benefit Description | AWA HealthGuard Level 1 | AWA HealthGuard Level 2 | AWA HealthGuard Level 3 | AWA HealthGuard Level 4 | |
| Accident Excess Medical Expense Benefit 7 | |||||
| Pays up to benefit amount shown, after deductible, for excess medical expenses, if a Covered Person is injured as the result of a Covered Accident and receives the first treatment or service within 90 days of the Covered Accident. | |||||
| Accident Excess Medical Expense Benefit per Covered Person per Covered Accident | $2,000 | $2,000 | $2,000 | $2,000 | |
| Deductible per Covered Person per Covered Accident | $250 | $250 | $250 | $250 | |
| Accidental Death & Dismemberment Benefit (AD&D) | |||||
| Pays benefit amount shown if a Covered Person is injured as the result of a Covered Accident, and dies, or loss occurs, within 365 days after the Covered Accident. Only one amount, the largest benefit amount to which the Covered Person is entitled, will be paid for all losses resulting from one Accident. If the Primary Insured's death or dismemberment occurs while riding as a fare-paying passenger in a Common Carrier, the Common Carrier Benefit will be payable. There is no Common Carrier Benefit for dependents. | |||||
| Accidental Death & Dismemberment Benefit Principal Sum for Primary Insured | $10,000 | $10,000 | $10,000 | $10,000 | |
| Common Carrier Accidental Death Benefit Principal Sum (Primary Insured Only) | 200% | 200% | 200% | 200% | |
| AD&D Benefit for Covered Dependents | Percentage of Primary Insured's Principal Sum | ||||
| Accidental Death & Dismemberment Benefit for Spouse (no children) | 50% | 50% | 50% | 50% | |
| Accident Death & Dismemberment Benefit for Spouse (with children) | 40% | 40% | 40% | 40% | |
| Accidental Death & Dismemberment Benefit for Child(ren) (with Spouse) | 10% | 10% | 10% | 10% | |
| Accidental Death & Dismemberment Benefit for Child(ren) (no Spouse) | 15% | 15% | 15% | 15% | |
| Type of Loss | Principal Sum for Primary Insured 8 | ||||
| Loss of Life | $10,000 | $10,000 | $10,000 | $10,000 | |
| Loss of Both Hands or Both Feet | |||||
| Loss of Sight of Both Eyes | |||||
| Loss of One Hand and One Foot | |||||
| Loss of One Hand and the Sight of One Eye | |||||
| Loss of One Foot and the Sight of One Eye | |||||
| Loss of One Hand or One Foot | $5,000 | $5,000 | $5,000 | $5,000 | |
| Loss of Sight of One Eye | |||||
7This benefit pays in excess of any other valid coverage, health plan, automobile medical payments coverage, government provided coverage, Workers Compensation coverage or any other employer/employee liability coverage, regardless of any coordination of benefit provision contained in the aforementioned coverages.
8Covered Spouse and Covered Dependent children receive a percentage of the Primary Insured’s Principal Sum, as listed in the table above.
Group Term Life Insurance
Amalgamated Life Insurance Company
| Benefit | |
| Coverage | The Primary Member will receive one of the following amounts of coverage, based on the membership level they choose: HealthGuard Max 1 - $5,000 HealthGuard Max 2 - $10,000 HealthGuard Max 3 - $12,500 HealthGuard Max 4 - $15,000 Spouse and Child coverage is not available. |
| Eligibility | A Member will be eligible for Term Life Insurance if currently an active Member of the Affiliated Workers Association and: Has paid current dues to the Association; Member is actively at work; and Meets the eligibility conditions described in the Certificate. A Member is not eligible if the Member is not actively at work on the day you would normally become eligible. |
| Termination of Coverage | A Member's Term Life Insurance Benefit ends on the earliest of: The date the Policy terminates; The date the Member is no longer a member of the association; The last day of the month in which your employment in the eligible class under this policy ends; The date the Member is in active service in the armed forces of a country at war, declared or not; Any applicable premium is due and unpaid. |
| Age Reduction | Coverage reduces 35% of the original amount at age 65; 50% of the original amount at age 70. |
| Accelerated Benefit | If a Member is terminally ill, the Member can receive up to 50% of their life coverage benefit in a lump sum as long as life expectancy is 12 months or less (as diagnosed by a physician). The Accelerated Benefit, less any administrative charge*, will be paid in a lump sum and any remaining Death Benefit under the Certificate will be reduced by the amount of Accelerated Benefit. The amount of any Accidental Death Benefit will not be affected by the payment of the Accelerated Benefit. Premium must continue to be paid for the Insured under the Group Policy after payment of an Accelerated Benefit in order to keep the remaining Certificate Death Benefit in force. Receipt of Accelerated Benefit may affect eligibility for public assistance programs and may be taxable. Please consult a personal tax advisor to determine the tax status of any benefits paid under this rider. *There is an administrative charge of $75 to process the Accelerated Benefit claim. |
Information You Need to Know
Guaranteed Coverage – The maximum amount of coverage available during the initial enrollment period with no medical information required.
Coverage Effective Date – The date the membership in the Affiliated Workers Association becomes effective and all required dues have been paid.
Coverage Waiting Period – Coverage is subject to a 30 day waiting period. No benefit will be paid during the first 30 days of coverage.
| Level 1 | Level 2 | Level 3 | Level 4 | |
| Member | $172 | $265 | $315 | $379 |
| Member + Spouse | $279 | $459 | $555 | $679 |
| Member + Child(ren) | $259 | $425 | $509 | $619 |
| Member + Family | $359 | $599 | $729 | $895 |
| Max Level 1 | Max Level 2 | Max Level 3 | Max Level 4 | |
| Member | $182 | $280 | $333 | $399 |
| Member + Spouse | $289 | $474 | $573 | $699 |
| Member + Child(ren) | $269 | $440 | $527 | $639 |
| Member + Family | $369 | $614 | $747 | $915 |
Unified Life Insurance Company is a stock life insurance company with over thirty years of experience in the fields of life, health and annuity insurance and reinsurance.
First incorporated in Texas in 1986, Unified Life has been providing valuable coverage and protection to consumers for over three decades, boasting stability and a positive financial outlook (B++) from industry rating firm AM Best.
From the beginning, Unified Life has focused on community service as a guiding principle. They believe in a responsibility to give back to their neighbors and to foster support for a variety of causes.
The mission of Unified Life is keeping promises that have been made to policyholders. They do this by being fair, equitable and efficient and striving for the highest level of integrity. Unified Life wants to be there for policyholders when needed most. Because it’s better when you’re Unified.
About Amalgamated Life
Since its inception in 1943, Amalgamated Life Insurance Company has made its mission to help working people and their families achieve financial security by providing affordable life, health and pension products and services while maintaining an unwavering commitment to excellence.
For more than 40 years, Amalgamated Life has maintained a consistent A.M. Best “A” Rating (Excellent) – a testament to their strong fiscal condition and excellent claims-paying performance.
Experience You Can Trust
Amalgamated Life continually strives to meet the insurance and employee benefit needs of its customers. Their role is to serve working people with the best solutions and equally important, the highest standards of service quality.
Amalgamated Life is a dedicated resource for a broad portfolio of group insurance products, including: disability, medical stop loss, term life and specialty drug cost management services, as well as voluntary benefits, including: accident, accidental death & dismemberment, critical illness, dental, disability, hearing, legal and whole life insurance.
Corporate Social Responsibility
Amalgamated Life exemplifies a true “Best in Class,” leading-edge insurance solution provider committed as ever to meeting the insurance needs of working men and women and their families. The Company is licensed in all 50 states and the District of Columbia.
- Between the ages of eighteen (18) and sixty-four (64)
- Legal Resident of the United States
- Small Business Owner, Self-Employed Professional, Contractor or Entrepreneur
- Reside in an available state: HealthGuard Group Accident and Sickness Limited Benefit Insurance is underwritten by Unified Life Insurance Company and available in the following states: AL, AZ, AR, CA, DE, FL, GA, ID, IL, IA, KY, LA, MI, MS, NE, NV, NM, OH, OK, PA, SC, TN, TX, VA, WV, WI, WY.
- Not enrolled in Medicare, Medicaid, Medical Disability or any other Federal or state-funded program.
- Not in full-time service in the Armed Forces
- Domestic Partners accepted
- Dependent child(ren) under twenty-six (26) years of age
AWA HealthGuard is not available in AK,CO,CT,DC,HI,IN,KS,ME,MD,MA,MN,MO,MT,NH,NJ,NY,NC,ND,OR,RI,SD,UT,VT,WA
Health Care Discounts Disclosure
Not available in AK, OK, UT, VT, WA. If members move to one of those states, their discount medical benefits will terminate.
Disclosures: The discount medical, health, and drug benefits of this Plan (The Plan) are NOT insurance, a health insurance policy, a Medicare Prescription Drug Plan or a qualified health plan under the Affordable Care Act. The Plan provides discounts for certain medical services, pharmaceutical supplies, prescription drugs or medical equipment and supplies offered by providers who have agreed to participate in The Plan. The range of discounts for medical, pharmacy or ancillary services offered under The Plan will vary depending on the type of provider and products or services received. The Plan does not make and is prohibited from making members’ payments to providers for products or services received under The Plan. The Plan member is required and obligated to pay for all discounted prescription drugs, medical and pharmaceutical supplies, services and equipment received under The Plan, but will receive a discount on certain identified medical, pharmaceutical supplies, prescription drugs, medical equipment and supplies from providers in The Plan. The Discount Medical Plan Organization/Discount Plan Organization is Alliance HealthCard of Florida, Inc., 5005 LBJ Freeway, Suite 1500, Dallas, Texas 75244. You may call (214) 436-8881 or email customerservice@premierhsllc.com for more information or visit myhealthmembers.com for a list of providers. The Plan will make available, before purchase and upon request, a list of program providers and the providers’ city, state and specialty, located in the member’s service area. Any complaints should be directed to Alliance HealthCard of Florida, Inc. at the address or phone number above. Upon receipt of the complaint, member will receive confirmation of receipt within 5 business days. After investigation of the complaint, Alliance HealthCard of Florida, Inc. will provide member with the results and a proposed resolution no later than 30 days after receipt of the complaint. Note to DE, IL, LA, NE, NH, OH, RI, SD, TX, and WV consumers: If you remain dissatisfied after completing the complaint system, you may contact your state department of insurance.
Note to MA consumers: The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00.