AWA Precise Choice STM

Start your membership as early as May 1

About AWA Precise Choice STM

AWA Precise Choice STM provides members with a variety of value-added benefits including health care programs, services and discounts to help you manage everyday healthcare expenses, as well as consumer and lifestyle discounts and business solutions.

AWA Precise Choice STM also provides Short Term Medical insurance for individuals and families who find themselves without major medical coverage for a period of time. Members choose the deductible, coinsurance and term length that best suits their needs. Precise Choice STM is designed to be a temporary solution that can provide members with the confidence they need to safely navigate a time of transition with minimal risk.

Association Benefits

VAB Consumer Solutions



Save 15% when you order flowers and gifts from, either online or by phone. You’ll enjoy top-quality customer service with same-day delivery on many items.

Car Rental Discounts

Car Rental Discounts

Take advantage of affordable auto rental rates from Avis®, Budget® and Dollar® Rent A Car.

Gym America

Gym America

Online access for personalized meal plans tailored to your needs, interactive tools for keeping you on track with fitness and nutrition goals, smart weekly shopping lists and much more for a special price.

Magazine Discounts

Magazine Discounts

Save up to 85% off regular subscription rates on popular titles through and, Inc.

Massage Envy

Massage Envy

A spa day isn’t just a way to pamper yourself—a massage can also offer health benefits to many people. Whether you suffer from chronic pain such as headaches and back issues or have a highstress life, a massage may help. Members receive up to 20% off many of the plans and services at Massage Envy.

Moving Discounts

Moving Discounts

Cord North American, an agent for North American Van Lines, offers members valuable discounts on moving and relocation services while providing the highest level of service and customer satisfaction.

Retail Benefits

Retail Benefits

Through this online shopping site, members can earn up to 40% cash back at more than 5,000 leading merchants and save even more with coupons that can be used instantly in-store. Shop at popular stores like Walmart, Target, Best Buy, Crate & Barrel, Gap, Banana Republic, Champs Sports, Home Depot, Macy’s and JCPenney. Book travel (airfare, hotels, rental cars, and more) through featured sites like Travelocity, Orbitz,, Priceline and Expedia.

True Car Auto Buying Service

True Car Auto Buying Service

Save time and money shopping for a new or used car through True Car. Members receive exclusive pricing, price protection and a hassle-free buying experience at thousands of Certified Dealers.

VAB Business Solutions

ADP Payroll Processing

ADP Payroll Processing

Members can access a 25% discount on processing costs and a free month of payroll processing. In addition, the one-time setup fee will be waived.

Computer and Technology Products

HP Computer and Technology Products

HP offers members affordable pricing on business and home office products. Members receive discounts on HP notebooks, laptops, desktops, servers, printers, digital cameras, handhelds, point-of-sale (scanners, cash registers, etc.) and more.

NAC Web Services

NAC Web Services

Members can access discounts on website development and maintenance as well as web hosting. Their experienced staff of programmers and graphic designers offer creative and intuitive websites custom-built to your specifications.

Office Depot/Max Office Supplies

Office Depot/Max Office Supplies

Members save 15% off hundreds of office supplies and 60% off printing online, by phone/fax, or in stores. Members also receive additional monthly special offers and incentives, as well as free next day delivery on qualifying orders of $50 or more (reduced shipping costs for lesser orders).

Penny Wise Office Supplies

Penny Wise Office Supplies

Members receive the guaranteed lowest prices on over 20,000 office products and additional savings when orders are placed online. Fast, free shipping is also virtually guaranteed from the 40 Penny Wise distribution centers nationwide.

UPS Shipping

UPS Shipping

Members receive discounts on UPS delivery services for a variety of next day, 2-day and 3-day shipping options.



Sprint Wireless Services
With Sprint Wireless Services, new subscribers can have unlimited freedom, better choice plans and up to $250 in service credits.  If you are with another carrier, Sprint will help you determine the best plan and best time to switch. Members receive discounts on most rate plans, select Sprint accessories, 3G/4G data solutions, mi-fi and hot spot devices.

FedEx Shipping

FedEx Shipping

Members receive discounts on FedEx services, including Priority and Standard Overnight, Express Saver, FedEx Ground®, and FedEx Express International shipping options.

VAB Health Care Solutions

Laboratory Testing


MyMedLab offers an efficient, affordable and confidential solution to medical laboratory testing. You can purchase the same testing ordered by your doctor at a cost 50% to 80% less than in your doctor’s office or local hospital lab.

Testing can be purchased 24 hours a day on the MyMedLab website. Tests are listed both individually and in groups called Wellness Profiles based on your age, sex and family history. This basic information is all you need to identify which profile evaluates your risk for common conditions associated with your specific group.

Minors not accepted. Not available in AL, OK, UT, VT, WA.

Diagnostic Testing


Radiology tests have become key tools for physicians to help diagnose and monitor disease. Through One Call Care, our members can save 20% to 50% on MRIs, PET and CT scans when these tests are ordered by a doctor. Make the most out of your health plan and take advantage of optimal quality, convenience, and savings with just one call.

Not available in AL, OK, UT, VT, WA.


Cigna Dental

Members and their dependents can save 15% to 50%* on dental care through our Dental network of over 110,000 participating provider listings, including both general dentists and specialists across America.

Simply select a participating dentist in your area and present your membership card at your appointment to receive the discounted rates. There is no limit to the number of visits and you can change dentists within the network at any time for any reason.

*Actual costs and savings vary by geographic area. Not available in AK, MT, ND, OK, SD, UT, VT, WA, WY.

EyeMed Vision Network Savings

EyeMed Vision Network Savings

Access to a national network of over 65,000 vision providers in 26,000+ locations, including LensCrafters®, Sears Optical®, Target Optical®, JCPenney Optical® and most Pearle Vision® locations. Members enjoy their choice of participating independent optometrists, ophthalmologists and opticians located throughout the country.

Not available in AK, OK, UT, VT, WA.

Hearing Products and Screenings


Members and their immediate family members (grandparents, parents, spouse and children) will receive complimentary hearing screenings and a 15% retail discount off the usual and customary retail price of any Beltone hearing instrument at any of over 1500 locations throughout the United States.

Not available in AL, IL, OK, UT, VT, WA.

IDLife Nutritional Products

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.

Value-Added Benefits


Karis360’s team of Advisors offers personalized, caring, expert service helping members navigate the complex and expensive healthcare maze. With services from Healthcare Navigator to Bill Negotiator to Surgery Saver to Chaplaincy, Karis360 will sort through your healthcare paperwork, saving you time and money.

Karis360 sorts through healthcare paperwork
Karis360 saves time and money
Karis360 provides unlimited assistance from a Personal Advisor

View real-member testimonials for:

Bill Negotiation   Health Care Navigator



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.

ScriptSave Rx Savings Card

The ScriptSave 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 family can use the card.

Insured Benefits

AWA Precise Choice Short Term Medical Benefits

Underwritten by National Health Insurance Company, Integon National Insurance Company and Integon Indemnity Corporation
Options - Choose Your Deductible and Coinsurance
Coinsurance 80/20%80/20%80/20%80/20%
Out-Of-Pocket Maximum (in addition to Deductible) for the following states: AL, AR, AZ, CO, DC, FL, GA, IL, KY, LA, MD, ME, MO, NV, NC, OH, OK, SC, SD, TX, VA, WV, WI, WY.$5,000$5,000$5,000$5,000
Out-Of-Pocket Maximum (in addition to Deductible) for the following states: IN, MS, NM, OR, TN.$1,500$1,500$2,500$2,000
Lifetime Maximum Amount$1,000,000$1,000,000$1,000,000$1,000,000
Length of CoverageChoice of 6 months or 12 months less one day (EXCEPTIONS: 11 month maximum in SC; 6 month maximum in AZ, CO, IL, ME, MO, NV, OK, WY; 3 month maximum in DC, OR; 3 months less one day maximum in IN, MD)
Pre-Existing Conditions Limitation12-month lookback in most states (6 months in NV, NM, SD).
Underwritten by National Health Insurance Company, Integon National Insurance Company and Integon Indemnity Corporation
Options - Choose Your Deductible and Coinsurance
Deductible1$3,500 $5,000
Coinsurance 80/20%90/10%
Out-Of-Pocket Maximum (in addition to Deductible)$6,500$5,000
Lifetime Maximum Amount$100,000$100,000
Length of CoverageChoice of 6 months or 12 months less one day (EXCEPTIONS: 11 month maximum in SC; 6 month maximum in AZ, IL, MO, NV, OK, WY)
Pre-Existing Conditions Limitation12-month lookback in most states (6 months in ID, NV, SD).
Details - All Plans
Free-Look PeriodA 10-day period to return your certificate for a full refund.2
Coverage RewriteCertificates are non-renewable. Re-applications are allowed, unless otherwise
restricted by state regulation (varies by state).
PPO NetworkAetna Open Choice® PPO
Hospital Confinement
ICU Confinement
Subject to Deductible and Coinsurance; Not to exceed average semi-private room and board rate.
Inpatient Physician / SurgeonSubject to Deductible and Coinsurance.
Assistant SurgeonSubject to Deductible and Coinsurance; up to 20% Surgeon’s Benefit.
Emergency RoomUnlimited visits; $250 access fee per visit, waived if admitted to hospital. Subject to Deductible and Coinsurance.
AmbulanceUnlimited trips; plan pays a maximum of $250 per trip.
Doctor’s Office VisitsSubject to Deductible and Coinsurance. (Plan will pay $50 for the first office visit per
coverage term in CO, CT, FL, MD, NM, and OR only for SI; FL only for GI)
Urgent CareUnlimited visits; $50 copay per visit, then subject to coinsurance.
Outpatient AnesthesiaSubject to Deductible and Coinsurance; up to 20% Surgeon’s Benefit.
Diagnostic TestsSubject to Deductible and Coinsurance. Tests include: MRI; CAT Scan; PET Scan; Colonoscopy; Bone Marrow Test; Stress Test, Laboratory Test, Mammography; EEG; X-Ray; Breast Ultrasound; Sigmoidoscopy.
Physical TherapySubject to Deductible and Coinsurance; Maximum benefit of $50 per day.
Skilled Nursing FacilitySubject to Deductible and Coinsurance. Maximum 50 days per coverage term and maximum of $150 per day.
Home HealthcareSubject to Deductible and Coinsurance. Maximum of 60 visits per coverage term; a visit is defined as up to 4 consecutive hours of home healthcare services in a 24 hour period. Maximum of 1 visit per day.
TransplantSubject to Deductible and Coinsurance; $100,000 benefit per coverage term.


*$1,000 deductible not available in TN and IN.

1 Per-person deductible and out-of-pocket amounts capped at 3x the individual amounts for a family greater than three. This means that when three insured family members satisfy their individual deductibles and out-of-pocket amounts, the remaining individual deductibles and out-of-pocket amounts will be deemed as satisfied for the remainder of the coverage term.

2Certificates returned within the free look period will be terminated back to the effective date and member will forfeit any potential claims in lieu of a full refund including the enrollment fee. After the free look period, cancellations require a minimum 10-day cancellation notice and will not be eligible for refund or any pro-rated fees. We have the right to change the premium we charge. If we plan to make a change, we will send you a notice at least 60 days before we make it. We may change premium rates at any time for reasons which affect the risk assumed, including but not limited to if a change occurs in the plan design, the named insured moves or changes his/her address or a new law or a change in any existing law is enacted which applies to this plan.

Insurance Products Underwritten by National Health Insurance Company in: AL, AZ, AR, DC, GA, IL, IN, KY, LA, ME, MD, MS, MO, NV, NM, NC, OH, OK, OR, SC, SD, TN, TX, VA, WV, WI, WY; Integon National Insurance Co in CO; and Integon Indemnity Corporation in FL.


Other Information

Monthly Rates

Monthly rates are determined by the Deductible and Coinsurance selected, as well as Age, Gender and Zip Code. Association has a one-time enrollment fee.

Frequently Asked Questions

PPO Network

Aetna Open Choice® PPO Network is a Preferred Provider Organization (PPO), or network of doctors and healthcare facilities that agree to provide services at a pre-negotiated, reduced rate. Containing more than 850,000 participating physicians and ancillary providers and 6,900 hospitals, Aetna’s network provides services with strong, negotiated rates, helping you to save on the cost of healthcare.

Learn More About This Benefit

About the Carrier

National General Accident & Health

National General Holdings Corp. (NGHC) is a publicly traded company with approximately $2.5 billion in annual revenue. The companies held by NGHC provide personal and commercial automobile insurance, recreational vehicle and motorcycle insurance, homeowner and flood insurance, self-funded business products, life, supplemental health insurance products, Short Term Medical, and other niche insurance products.

National General Accident & Health, a part of NGHC, is focused on providing supplemental and short term coverage options to Individuals, Associations and Groups. Products are underwritten by National Health Insurance Company (incorporated in 1965), Integon National Insurance Company (incorporated in 1987) and Integon Indemnity Corporation (incorporated in 1946). These three companies, together, are authorized to provide health insurance in all 50 states and the District of Columbia and have all been rated as A- (Excellent) by A.M. Best. Each underwriting company is financially responsible for its respective products.

Membership Eligibility

  • Between the ages of eighteen (18) and sixty-four (64) at time of enrollment
  • Legal Resident of the United States residing in an available state
  • Not eligible for or enrolled in Medicare, Medicaid, Medical Disability or any other Federal or state-funded program
  • Not covered under hospital, major medical, group health or other medical insurance coverage
  • Not pregnant at the time of application
  • Not a full-time member of the armed forces
  • Applicants must meet the carrier’s underwriting requirements at the time of application
  • Legal Spouse and Domestic Partners accepted
  • Dependent children to age twenty-five (25)
GI STM plans N/A in CO, DC, IN, MD, MS, NM, OR, TN.

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 is Alliance HealthCard of Florida, Inc., P.O. Box 630858, Irving, TX 75063. You may call (855) 351-7536 for more information or visit 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.


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