AAW Offers several types of insurance for member's and local chapter's use, including no cost liability, discounted personal health, life, and business related coverage. Detailed descriptions, applications and other information may be found on this page and related links.
After many years of searching, the AAW has reached an agreement with a well-respected national company that specializes in providing health and other insurance to associations such as the AAW. We can now offer most of our U.S. resident members and their families medical insurance policies at very competitive rates through Association Health Programs (AHP) from Overland Park, Kansas.
AHP administers the health insurance needs of over 180 national associations, representing 2.5 million people. This huge block of buyers allows AHP to negotiate the lowest premiums available. On average, AHP expects to save AAW members substantial amounts on premiums. This may be the biggest benefit of your AAW membership.
We talked with many associations that already do business with AHP, and without exception they were all delighted with the service and premiums. Complaints were minimal and always handled promptly to members’ satisfaction.
AHP offers a 100% guarantee. If you are insurable, they will always be able to give you the lowest costs, compared to any other source. If you have any existing medical conditions, AHP guarantees that their liberal underwriting will allow you to pay less. They further guarantee that upon annual renewal, they will obtain for you the lowest rates on health insurance and analyze your coverage to keep premiums in line with alternative insurance suppliers.
AHP will place our AAW members and their families in with a large block of buyers in each state, with members from all the other associations that they represent. They will only use “A” rated insurers such as Humana, Blue Cross, Aetna, United Health Care, Healthnet, or Assurant. In all of these, policy rates and renewals will be based on age and not your future medical conditions. Once a policy is issued, our members cannot be cancelled due to any change in your medical condition.
AHP cannot offer medical insurance coverage in the states of Maine, Massachusetts, Rhode Island, or Vermont due to state health insurance laws. Due to state mandates, there are limited health insurance opportunities in New York and New Jersey. Alaska and Hawaii have limited policies available as well.
In general, you can expect $5 to $8 million of lifetime maximum benefits per person, comprehensive full-coverage major medical insurance, unlimited routine care, unlimited prescriptions, PPO options or the ability to see any doctor or hospital of your choice, and coverage that is good anywhere in the United States.
AHP can also offer group policies for any business of three or more employees or officers. They can also provide policies to cover Health Savings Accounts, Medicare Supplements, and Medicare Part D coverage, dental, disability income, critical illness, and international travel insurance. Through their large-block purchasing power, AHP can also provide the lowest premium rates on life insurance for term, whole life, second to die, key man, or universal life.
If one of the insurance policies you need is long-term care insurance, through AHP you can save a substantial discount off of premiums that provide for home care, assisted living care, adult living care, and nursing home care. AHP offers policies that provide for 100% coverage for any services that you may need in any care. Insurance companies providing this coverage include MetLife, John Hancock, Principal, Guardian, Medical Mutual, Physicians Mutual, and Genworth.
AHP can also help save you on the costs of premiums for your auto and home insurance.
Here are some frequently asked questions:
1. Can the AHP brokered insurance be used anywhere I travel in the United States? Yes
2. Will all doctors and hospitals accept this coverage? Yes
3. Does the health insurance program cover pre-existing conditions? Yes, on insurable conditions like asthma, high blood pressure, cholesterol, or broken limbs, for individual policies. On group policies, there are never pre-existing condition exceptions. Individual policies will not cover pre-existing conditions such as heart problems, malignant cancers, strokes, Crohn’s disease, diabetes, seizures or severe chronic ailments. For members with these chronic pre-existing conditions, AHP has the availability to help members in 32 states with the state health insurance guaranteed risk pools. This service will be done at no cost to our members.
4. Are pre-existing conditions an issue on acceptance to a plan or the premium rates? Yes, each case will be individually evaluated, and appropriate recommendations will be made.
5. Does AHP require a health examination? No
6. Do I need to be a current AAW member to get the benefits of these policies? Yes
To receive a quote, either call 1-888-450-3040 or click on this link to fill out and submit your application online.
If someone you know who is not an AAW member wants to pursue this opportunity to purchase insurance through our large buying block, they can either contact AHP at 1-888-450-3040 or go to this website to submit an online application. Be sure to ask for the AAW rates. If they are pleased with the quoted rates, they can join the AAW by clicking on this link.
John Hill, Chair AAW Insurance Advisory Committee