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United American Medicare Review

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UPDATED: Nov 30, 2018

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Texas-based United American Insurance focuses on supplemental insurance policies, particularly for seniors. They write both individual and group policies with options including life insurance, accident, and critical illness, and Medicare Supplement.

About United American

United American was founded in Dallas, Texas in 1947 by C.L. Dunlap, who added two more to his staff within the first year. Growth resulted in several moves to larger buildings, and in 1982 the company was acquired by Torchmark Corporation, a major insurance, and financial services holding company. Torchmark owns several companies of the same size and scope as United American, with a general focus on the same type of products. United American now has offices in the same location as Torchmark, in McKinney, Texas.

United American has been writing Medicare Supplement plans since 1966 and has grown to provide coverage across the U.S. They also write group retiree health plans and life and supplemental health coverage for individuals.

Products are sold through independent agents, with United American licensed in 49 states and D.C. In New York, policies are sold through First United American Life Insurance Company.

United American Medicare Supplement

Medicare Supplement is the only Medicare plan that is offered by United American. They have been writing this type of coverage for as long as Medicare has been in existence.

Of the 11 possible standardized plans, United American writes 10. That is an impressive list of offerings and more than we have seen from some much larger companies.

The available plans are A, B, C, D, F, F with a high deductible, G, K, L, and N. Plan A is the base plan that provides coverage for Medicare coinsurance amounts and also pays for the first three pints of blood each year. Each of the plans beyond A adds on more coverage, up to Plan F, which covers all out of pocket costs including emergency medical abroad. Some plans cover Part B coinsurance only in part.

Plan F is also offered with a deductible; this allows a much lower monthly payment with a pre-determined out of pocket cost that the insured can plan for. Another cost-saving option is Plan N, which has some copays in return for lower premiums.

With nearly every plan possible available, United American has options for every budget as well as for whatever coverage the individual prefers to have in their Medicare plan.

Rates

United American does not offer online quoting, nor do they have any rate information available for their plans. Rates will vary from state to state and from person to person.

It is common for companies like United American to offer rate quotes only through agents and not online. A lot of their new business comes in through word of mouth and through agent sales directly, which is something of an old-school approach to insurance sales.

Claims

Medicare Supplement insurance claims are generally handled directly with providers, but there may be some situations where the insured needs to be involved in the process. We did see one complaint about this company that states the insured was charged an additional fee to have claims processed directly by the company. We could not confirm that on the United American site, however.

The United American website does list what forms are needed to file a Medicare Supplement claim as well as the mailing address to which they should be sent. Those forms, however, do not appear to be available for download from the company’s website. There is a customer login area, however, and further information may be available there when logged in.

Ratings and Customer Reviews

United American Insurance has an A+ rating with the Better Business Bureau (BBB), with only ten complaints on file in the past three years and no reviews. They have been accredited with the BBB since 1952, only a few years after their founding.

There are more reviews on Consumer Affairs, with a total of 97, 33 of which contain star ratings for an overall one-star rating. The reviews are all negative, with repeated complaints of claims being denied.

While the complaint volume is not particularly high for a company of this size, it is always somewhat concerning to see repeated complaints of the same nature. The complaints for this company are fairly common to this type of insurance company and highlight the importance of reading all of the fine print of a policy before buying; that said, it is always important that any insurance company offer transparency in terms of what they are selling and help customers to understand what they are buying.

The Bottom Line

Without rates listed for this company or an online quoting option, we are unable to compare them to competitors in terms of cost. The complaints are not a major red flag, but they are a part of the overall picture to look at when comparing your options. United American does have a great selection of plan options, and for those that do not mind contacting an agent for a quote, they might be worth putting on the list.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

Summary
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United American Insurance Company Medicare
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

4 Comments

  1. I’m new to United American, hopefully I’ll have good luck with customer service, because that’s what I will request!

    Reply
  2. United American has lots of complaints per consumer reports. What do you know?

    Reply
  3. I live in Illinois. I am on fixed income. That determines what I will pay for in Medigap coverage. I’m basically looking for something I can use at a veterans’ health care center/hospital, should I need critical care. I’m not one bit happy with paying into Medicare since 1965, and finding that I still have to pay for that now, and that it becomes more and more unaffordable.

    The State of Illinois has a pdf of rates for all the health insurers that provide coverage for residents in the state. https://insurance.illinois.gov/hiric/resources/ILBackgrounResearchFinalReport_September2011.pdf

    The pdf is just for your information. I would look at consumer complaints and the S&P / A.M. Best’s ratings, too. United American seems to be the most reasonable for Medigap FHD. Whether or not I can get coverage through an agency is something I have to address.

    However, the benchmark on any of these carriers is whether or not someone on fixed income can afford both the Medicare Part B premium and a Medigap premium, and what kind of customer service is provided. From the complaints I’ve seen, Humana seems to be the absolute worst at customer relations.

    Reply
    • I live in Florida where we have a large choice of Medicare Advantage plans, some of which actually give back some of the $134 Part B premium. That program combines well with VA. There is free help from Medicare called SHIP (SHINE in Florida). Look on the back of your Medicare and You booklet for your state’s number.
      If you need better, consistent coverage (Advantage plans change year to year) then supplements are better but pricier. I began with Plan F with UnitedHealthcare and had excellent service; I switched to Plan F * (high deductible which UHC doesn’t sell) with United American simply to save money. It’s hard to get through to anyone and they are abrupt when you finally get someone. I’m not sure made the right choice with this company. I trust the Medicare-approved plan but I’m not so sure about the company.

      Reply

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