As a small business owner or entrepreneur, researching the best benefits for you and your employees can be overwhelming. Understanding how the Affordable Care Act works and how to find the right medical insurance at the right cost can be difficult. With Open Enrollment just beginning, it may be even more confusing to find options for healthcare.

AWA makes it easier for you. Our partner, Small Business Majority, put together a portal for small business owners and entrepreneurs to start their research. Reviewing their two-part guide for getting started with medical insurance and getting covered is a great place to begin.

AWA is Proud to Offer Many Benefits to Our Members

If Major Medical Insurance is not an option, consider looking at the health benefits that AWA offers its members. Many AWA Association membership levels combine health discounts and programs, business resources, and lifestyle benefits along with specific insured benefits on some levels.

The insured benefit options offered with AWA membership can include:

  • Fixed-Benefit Indemnity
  • Accident
  • Dental
  • Vision
  • Prescription
  • Term Life

Fixed-Benefit IndemnityA child and her doctor.

AWA provides fixed-benefit indemnity benefits to members to help them maintain good health. This works by providing the services they require, such as:

  • Doctor visits
  • Diagnostic tests
  • Hospital confinement
  • Much more

We know that by helping our members maintain excellent health, we are helping our members better provide for their families by reducing missed workdays and lost income.

Fixed-indemnity, limited-benefit medical insurance policies pay a certain sum each period or per event, regardless of the overall expenses. The main goal of this benefit is to assist members in managing their preventative care and day-to-day healthcare costs.

Like PPO medical plans, fixed-indemnity plans provide consumers a more extensive range of doctors to choose from when managing their health care. Members don't have to worry about deductibles or copays since they pay predetermined cash amounts for covered health care services.

Fixed-Benefit Indemnity Benefits for AWA Members

AWA HealthGuard membership offers substantial savings and special offers on many consumer, business, and health care products and services, as well as Accident and Sickness Limited Benefit insurance to cover out-of-pocket medical expenditures.

Accident Insurance Benefits

Accident insurance benefits help you plan for the unexpected and provide a cost-effective solution for people and families to protect themselves against the additional costs that might arise from an accident.

Accident insurance benefits can help lessen the strain by providing access to perks and resources to aid with unanticipated expenditures. The following are some of the key benefits:

  • Reduce your out-of-pocket healthcare costs that are directly connected to a covered accident
  • Provide cash compensation to pay for medical services connected to a covered accident
  • Protect your finances while you are dealing with a covered critical illness (on specific memberships only)
  • Offering the right balance of excellent benefits and affordable rates

Accident Insurance for AWA MembersA patient and doctor.

Members of the AWA SecureElite program have access to additional Critical Illness and/or Group Accident Only Insurance coverage. In the case of an unforeseen accident or severe illness, having extra insurance might be beneficial.

Members can spend the cash benefits for anything they choose, including out-of-pocket medical expenditures, transportation costs, childcare, food, and other home care needs, or even paying monthly bills.

Insured Dental Benefits

Dental exams, cleanings, and treatments, including endodontics, periodontics, oral surgery, crowns, bridges, dentures, and orthodontics for dependent children, are all covered under fully insured dental insurance.

Dental indemnity policies also cover preventive dental treatment, cleanings, x-rays, and operations such as fillings and extractions.

United Concordia or Nationwide Guardian Life Insurance Company, both A-rated carriers with a robust national network of providers, underwrite the benefits.

Dental Benefits for AWA Members

When you choose dental benefits from AWA, you will have two main options.

AWA Dental Plus is a fully insured dental plan that pays for treatments and procedures based on a three-year graduated scale of benefits percentages. For dependent children up to the age of 19, AWA Dental Plus additionally includes an orthodontic benefit. Members find value in AWA Dental Plus because it saves them money on prescriptions.

AWA Premier Dental provides members and their dependents with fixed indemnity-insured dental insurance. These benefits provide first-dollar coverage with no deductibles or coinsurance. AWA Premier Dental offers maximum flexibility for preventative and diagnostic, basic, and major dental services, with no yearly maximum or waiting periods.

Vision Insurance Benefits

AWA members have access to fully insured vision benefits, including eye exams and coverage for eyeglasses, contact lenses, and more. Members can save money by visiting private practice optometrists, ophthalmologists, opticians, and optical shops through an integrated provider network.

An eye exam is one of the most effective ways to safeguard your eyesight since it can discover eye issues early on when they are most curable. Regular eye exams allow your doctor to assist you in correcting or adapting to visual changes. Even if you believe your eyes are in good shape, you should have an eye checkup every now and again.

Vision Insurance for AWA Members

The AWA ClearView membership plan offers a fully insured vision benefit, as well as other savings and resources, making it a fantastic stand-alone or add-on to another AWA membership level. Members will also save money thanks to AWA ClearView's advantages for frames, lenses, and contacts.

Insured Prescription Benefitsaffiliated workers association_medical health insurance forms

AWA membership entitles you to insured medication benefits. The majority of regularly prescribed generic and preferred brand medicines are covered at modest member copays.

In addition, your membership entitles you to a discount on non-preferred brand name medicines and non-copay generics. Members can save anywhere from 10% to 70% off the retail price at the drugstore.

With the growing prices of prescription insurance, this membership can assist small company owners and entrepreneurs in finding cost-effective healthcare alternatives.

Prescription Benefits for AWA Members

To assist members in managing their health care expenditures, the AWA SureScript Rx membership provides covered prescription coverage as well as health savings. SureScript Rx may be utilized at all major chains and most independent pharmacies nationwide, with benefits toward a 30-day retail supply or a 90-day mail-order supply for generics or preferred brand names.

Term Life Insurance Benefits

Term life insurance payouts for the primary member are guaranteed, and no medical information is necessary. There are four coverage levels to choose from: $5,000, $10,000, $12,500, or $15,000.

With a 12-month life expectancy, all AWA life insurance policies include an accelerated death payment of 50 percent up to $7,500.

Amalgamated Life Insurance Company, an A-rated company for over 40 years, underwrites term life insurance benefits.

Term Life Insurance Benefits for AWA Members

There are two options available to AWA members.

AWA HealthGuard membership offers substantial savings and special offers on a number of consumer, business, and health care products and services, as well as Accident and Sickness Limited Benefit insurance to cover out-of-pocket medical expenditures. The AWA HealthGuard Max membership also comes with Term Life insurance.

The AWA Life Plus ADD membership gives you access to Term Life and Accidental Death and Dismemberment insurance coverage, which might come in handy if you have an unforeseen accident.

Join the Small Business Majority to Make Sure Your Voice is Heard

Small Business Majority is a nationwide small business group dedicated to empowering America's varied businesses to create a prosperous and fair economy. They work with a network of over 85,000 small companies and 1,500 business and community groups to lobby for public policy solutions and provide tools to entrepreneurs who want to expand their businesses in an equitable way.

Their extensive links to the small business sector, along with scientific research, enable them to educate the public about important issues affecting America's entrepreneurs, with a particular focus on the smallest firms and those confronting structural inequities.