First United American Medicare Insurance Review & Complaints: Life, Accident & Health Insurance (2023)

The Highlights

• First United American Life Insurance Company is now known as Globe Life Insurance Company of New York
• Almost all of the standard Medicare Supplement plans are available, including two high deductible plans
• Medicare Part D prescription drug coverage is not available from this company

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New York insurer First United American Life is primarily a life insurance company, but also offers a range of supplemental health insurance and other products. As a local company, they are focused on the needs of New York state residents. Curious about First United American Medicare Supplement?

Whether you want to get a First United American Medicare quote or just want to see how the company does business, our First United American Medicare Insurance review has what you need.

First United American Life Insurance Company changed its name to Globe Life Insurance Company of New York in 2017. Our review covers the company’s products as found under the new name.

Read on for details on First United American Medicare supplement rates, or enter your ZIP code to get a quote right now. Then get into our First United American Insurance review below.

For the complete United American Insurance Medicare review, click here

About First United American Life (Globe Life)

Relatively young in the world of insurance companies, First United American Life Insurance began writing policies in 1986, but the companies history extends a bit further. When United American came under the ownership of holding company Torchmark Corporation in 1981, a new company was chartered, resulting in the current First United American branding. United American remains the parent company of First United American.

The company is licensed only in the state of New York, with its headquarters based in Syracuse. They write individual life insurance as well as accident insurance, group health insurance plans for retirees, and Medicare Supplement insurance.

The website states that as of 2013, the company was one of the largest providers of Medicare Supplement coverage, by market share. In 2017, the company was renamed Globe Life Insurance Company.

The First United American Medicare supplement phone number is the Globe Life phone number: (315) 451-2544.
First United American Life Insurance Company Medicare Products

While the company does not offer any Medicare Advantage plans, First United American does write Medicare Supplement and Part D Prescription drug coverage policies.

First United American Medicare Supplement Plans

New York uses the lettered system for their Medicare Supplement plans. Of the 12 standardized plans set out for the state, First United American offers 11 under the Globe Life name.

Plan A is the basic plan that all Supplement providers are required to offer. This plan covers coinsurance costs for Medicare Part A and Part B, as well as for hospice care, and the first three pints of blood each year.

In addition to this required basic plan, First United American also writes Plans B, C, D, F, F+ (high deductible), G, G+ (high deductible) K, L, and N. Each of these plans offers a different level of coverage. The high deductible versions of plans F and G are options for those who want these popular plans, but would prefer to pay less out of pocket monthly and instead pay a deductible as needed.

The selection of plans makes it easy to choose an option that works well for your particular needs, and not all insurance companies offer this many choices.

Part D Prescription Drug

Although the company did write Part D in the past through another company, SilverScript, Part D coverage is no listed as an option with Globe Life. Silverscript writes Part D coverage across the country, and not only in New York where First United American is licensed. You can still sign up for coverage through this company if you want Part D coverage.

There are two Part D plans available through this partner company for New York residents, SilverScript Choice and SilverScript Plus. Both are $0 deductible plans, although the Plus plan is $0 deductible for all tiers and Choice for Tiers 1 & 2 only.

Choice covers Tier 1 drugs with a $0 co-pay, with increasing co-pays for each Tier above 1. Plus has a higher premium but a $0 co-pay for Tier 1 and lower co-pays across the board for each Tier above 1.

Silverscript is a CVS company, so mail-order prescriptions are filled through CVS Caremark pharmacies.

First United American Medicare Supplement Rates

First United American does not offer rates for their Supplement plans on the website. First United American Medicare supplement quotes can be obtained by contacting Globe Life for rates and further information on the plan options. As a result, we can’t compare the rates to other companies, either nationwide or in New York. Currently, you can’t buy First United American Medicare supplement insurance online.

The rates for Part D coverage through Silverscript are $34.80 and $91.20 for Choice and Plus respectively. These are very reasonably priced plans based on the fairly low co-pays.

First United American Medicare Ratings and Reviews

First United American Life Insurance Company is no longer rated by the Better Business Bureau under the original name. Under the name  Globe Life Insurance Company, the BBB rating is an A+.

In addition, although they did not have any reviews for First United American, Consumer Affairs does show 91 negative reviews of the parent company, United American. Again, these complaints are mostly life insurance focused.

First United American Medicare Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

First United American Medicare Insurance provides multiple channels for filing a claim, ensuring convenience for policyholders. You can file a claim through their online platform, over the phone, or even by using their mobile app. This flexibility allows policyholders to choose the method that suits them best, making the claims process more accessible and user-friendly.

Average Claim Processing Time

The average claim processing time at First United American Medicare Insurance can vary depending on the specific claim and its complexity. However, the company is committed to efficient and timely processing.

Policyholders can expect a reasonable turnaround time for their claims, but it’s advisable to check with the company for specific timelines related to your claim.

Customer Feedback on Claim Resolutions and Payouts

First United American Medicare Insurance places a strong emphasis on customer satisfaction when it comes to claim resolutions and payouts. While specific customer feedback may vary, the company’s dedication to meeting policyholders’ needs and providing fair and timely claim resolutions has generally garnered positive responses.

It’s always a good practice to read individual customer reviews to gain insights into their experiences.

First United American Medicare Digital and Technological Features

Mobile App Features and Functionality

First United American Medicare Insurance offers a user-friendly mobile app that provides policyholders with convenient access to their insurance information. The app allows users to view policy details, submit claims, and check the status of existing claims.

It also offers features for payment processing and policy management, enhancing the overall customer experience.

Online Account Management Capabilities

Policyholders can manage their insurance policies conveniently through First United American Medicare Insurance’s online account management platform. This feature enables users to review and update policy information, make premium payments, and access important documents.

It streamlines the policy management process, putting essential information at your fingertips.

Digital Tools and Resources

First United American Medicare Insurance provides a range of digital tools and resources to assist policyholders in making informed decisions about their coverage. These resources include educational materials, calculators, and FAQs to address common insurance-related questions.

The company’s commitment to digital innovation ensures that policyholders have access to valuable information and resources online.

First United American Medicare Review: The Bottom Line

The general lack of information about First United American Life Insurance Company makes it difficult to draw a strong conclusion. If you are looking for a New York company with a good selection of Medicare Supplement plan options, they might be worth contacting; bear in mind if you need Part D that they don’t write those policies themselves.

Whether you already have an affordable First United American Medicare supplement plan or need to find coverage, it’s always worth comparing rates. Enter your ZIP code now to get started.

References:

1. https://www.prnewswire.com/news-releases/first-united-american-life-insurance-company-changes-its-name-300386683.html