United Security Health and Casualty Insurance Review & Complaints: Health & Auto Insurance (2023)

Covering a six-state area, United Security Health and Casualty health insurance company offers a somewhat unusual combination of products, with a wide range of supplemental health insurance as well as personal auto insurance. They are a regional insurance company in business for over 45 years. Learn more about affordable United Security Health and Casualty insurance by reading our review today.

About United Security

United Security was founded in 1973 in Bedford Park, Illinois. The company was created as a smaller, local alternative to major insurance companies. They write supplemental health and personal auto insurance but do not offer either life insurance or home insurance products, making their product lineup different from most other similar companies.

The company provides insurance in six states: Arizona, Arkansas, Illinois, Indiana, Missouri, and Nebraska. Product availability differs from state to state, with auto insurance offered online in Illinois, Arkansas, and Indiana.

All products are sold through local independent agents.

United Security Products

United Security has a long list of health products as well as two unusual auto insurance products.

Health Insurance

The list of products from United Security includes income replacement and lump sum benefit health plans, among others. They do not write Medicare Supplement at this time.

Short Term Major Medical

This plan is available in all six states and provides major medical insurance designed to bridge the gap in between jobs or other times when a regular major medical insurance plan is not available for a short period of time.

Dental Plus Vision and Hearing

This all-in-one plan covers dental, hearing, and vision in one, with a $50 annual deductible and a maximum benefit per calendar year of $1,200. The plan has a 30-day waiting period for preventative dental and can be issued up to age 85.

This plan is available in all six states.

Critical Illness

This plan is offered in all six states with coverage of up to $50,000. The base plan covers cancer, heart attack, stroke, kidney failure, and organ transplant. The extended plan includes a long list of diagnoses: paralysis, severe burns, and loss of sight, speech and hearing.

A return of premium option is offered in some states. Like most such plans, there is no restriction as to how the benefit money can be used.

Accident Hospital Indemnity

This policy pays $200 a day for up to 90 days when the insured is hospitalized due to an accident. Accidents involving treatment in a burn unit have an added benefit of an additional $200 a day for 30 days, doubling the payout during that time period.

This plan also includes a benefit of $150 per visit for emergency room visits that do not require admission overnight. This plan is offered in all six states.

Disability

United Security offers a range of income protection disability plans. Coverage can start at a minimum of seven days and is available for up to five years depending on the plan you have selected.

Coverage is offered in all six states, and the site says that they can assist those that have had difficulty getting coverage elsewhere.

Cancer

The First Benefit Cancer Plan is a lump sum benefit plan. Benefits range from $10,000 up to $50,000 and are paid out upon diagnosis with no restrictions on the use of the money.

This plan is also offered in all six states.

Security Access Fixed Indemnity

This plan is offered in Arkansas, Illinois, Indiana, and Nebraska. It pays for common medical needs at a variety of levels that can be selected by the insured. Details on this plan are not offered.

Telemedicine

This plan provides access to doctors over the phone for routine needs, which can include prescriptions both new and refills. Visits can be over the phone or by video chat. This is a flat-rate plan that can be paid annually or monthly at $110 a year.

Auto Insurance

United Security has two auto insurance products.

Road Warrior is a liability-only policy – no comprehensive coverage or collision coverage are offered. It is available only in Illinois and Arkansas and meets state legal requirements for liability coverage.

In addition to base liability, the plan includes medical payments and uninsured/underinsured motorist coverage. The plan has a number of discounts available, including good drivers and multi-car. Discounts are also offered for renewal, homeowners, and even for non-owners – an unusual discount.

Road Ranger is a standard car insurance policy and includes a full range of coverage options and endorsements. The main difference is that while usage-based driver monitoring systems are an option with most car insurance companies, this program appears to make it a standard part of the policy.

Road Ranger uses an app to monitor mileage and driving habits and gives the driver a discount in return, which is up to 12.5%. This is a lot lower than other companies promise, but also a lot more realistic since it falls in line with the average actual discount most drivers see on these programs.

This program has a good list of options that can be added to the policy; in addition to the standards like roadside assistance and rental car coverage, the insured can also select a special equipment package, pet protection, locksmith services, and legal expenses, among other choices.

This plan also offers the same discounts as the others. It is offered only in Illinois and Indiana.

United Health Security and Casualty Health Insurance Rates

We were a little surprised to see that United Security does offer online quoting, and found the system easy to use.

Although they do not offer coverage in our usual comparison area, we did run a United Security Health & Casualty health insurance quote based on the company’s home zip code. We chose a 30-year-old male driver with a 2010 Honda Accord LX sedan.

The system returned a liability-only state minimum quote as a base, with a rate of $154 for six months on the Road Ranger program and $217 on the Road Warrior program.

While the system does not allow the visitor to adjust coverage manually, there are several levels of coverage quoted beyond the base. These are listed as good, better, and best.

The best option is the Road Ranger program and includes liability limits of 100/300/100 for liability and uninsured/underinsured motorists, with $500 deductibles for comprehensive and collision. It also includes rental car coverage and roadside assistance.

The rate for this plan came back at $723 for six months.

Since we do not quote in this state usually, we are unable to compare this to other companies, but did find the quoting system simple if lacking in customizable functions.

United Security Health and Casualty Insurance Claims Process

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

United Security Health and Casualty Insurance provides multiple channels for customers to file their insurance claims, ensuring convenience and accessibility. Policyholders can choose to file their claims online through the company’s website or opt for the option of filing claims over the phone.

Additionally, the availability of mobile apps enhances the ease of submitting claims, allowing users to initiate the process directly from their smartphones.

Average Claim Processing Time

The company is committed to expediting the claim processing time to provide swift assistance to policyholders during their time of need. While specific processing times may vary depending on the nature and complexity of the claim, United Security Health and Casualty Insurance strives to minimize delays and ensure timely resolutions.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a crucial role in assessing the effectiveness of an insurance company’s claim resolution process. United Security Health and Casualty Insurance maintains a strong reputation, as indicated by its A+ Better Business Bureau rating.

Although specific customer reviews related to claim resolutions and payouts are not provided in the content, the company’s positive BBB rating suggests a favorable track record in this regard.

United Security Health and Casualty Insurance Digital and Technological Features

Mobile App Features and Functionality

United Security Health and Casualty Insurance offers a mobile app designed to enhance customer experience and streamline insurance management. The content does not elaborate on the specific features and functionalities of the mobile app.

However, it can be inferred that the app likely provides policyholders with tools for managing their insurance policies, filing claims, and accessing important information on the go.

Online Account Management Capabilities

The company’s online account management capabilities empower policyholders to take control of their insurance accounts. While the content does not provide detailed information about the specific features of the online account portal, it is reasonable to assume that it offers services such as policy management, billing, and access to important documents.

Digital Tools and Resources

United Security Health and Casualty Insurance recognizes the value of digital tools and resources in providing a seamless customer experience. Unfortunately, the content does not specify the exact digital tools and resources offered by the company.

However, it is common for insurance providers to provide educational resources, insurance calculators, and other digital assets to assist customers in making informed decisions regarding their insurance coverage.

The Bottom Line

United Security has a specific range of products and will appeal to those seeking a local, regional insurance company for health or auto insurance needs. They do not have a one-stop shopping option like many others, but appear to make up for it with excellent customer service. They are a good choice if you live within their service area and like to work with an agent.