American Workers Insurance Services (AWIS) Reviewed
American Workers Insurance Services (AWIS) is a low cost, high quality provider of health coverage services. Services range from “A” rated insurance backed benefits, network savings and volume discounts. Their Health Coverage line is highly regulated. Since each state has different laws concerning insurance products you will see varying coverages in states they offer service. In the following paragraphs I will review a few of the key elements of AWIS and their medical discount plans.
Let’s start off with their guarantee. They offer a full 30 day money back guarantee. If you are not completely satisfied for whatever reason within the first 30 days you can cancel and they will refund your complete premium. All they ask for is a request to cancel in writing that can either be mailed or faxed. You don’t have to justify your dissatisfaction in any way. This kind of guarantee is unheard of in this industry.
Policy benefits can vary from state to state and depend on the policy you choose, but key benefits backed with insurance are intensive care, hospitalization, critical illness, surgery, anesthesia, doctor and dentist visits, blood testing, prescriptions and accidental injury. This complete line with AWIS’s low policy premiums can serve as a standalone policy or nicely fitting supplement to catastrophe medical insurance policy.
Another remarkable service unheard of is their Patient Advocacy Program (PAC). With this program AWIS’s trained representatives work with you and the hospital to reduce your out of pocket expenses. When tragedy strikes your medical bills mount up quickly. PAC negotiators advocate for you and find ways to reduce your bills when you are at your most vulnerable. The real savings customers have received range from hundreds of thousands of dollars to hundreds of dollars. Look on customers testimonials at the bottom right to see real examples.
Deductibles are always an important consideration with health coverage. With AWIS the maximum deductible is $100. Most other companies, with their low cost polices, start off with deductibles of $2000 to $10,000 before you receive any coverage benefit and then you have to content with their out of pocket insurance maximums. With those same companies, if you don’t want a $2000 to $5000 deductible be prepared to spend over a $1000 per month for family coverage.
There are many other miscellaneous benefits you receive with AWIS plans. Such as Term Life and Accidental Death Insurance; this is normally an extra policy other companies sell, but with AWIS it’s all included. Lastly, are the benefits not normally associated with medical insurance like pet care, legal services, worldwide emergency travel, 24 hour nurse and physician hotlines and roadside assistance.
In conclusion, AWIS offers impressive policies rich with needed benefits at prices far lower than traditional health coverage policies. Do yourself a favor and review the policies available in your state. An easy way to learn more is to sign up for my mini-course below.
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