United American Medicare Supplement Review

When you're looking for a Medicare Supplement, you don't want a company that's going to play games with your rates or disappear when you need them most. You want a carrier that's been tested, one that understands that self-reliance isn't a slogan - it's a way of life. United American has been around the block, but does their track record mean they deserve your hard-earned dollars? We're on your side of the table, and we're going to give you the straight answers, no surprises.

United American Insurance Company has been in the Medicare Supplement business since Medicare began in 1966. They are a wholly owned subsidiary of Globe Life Inc.

Financial Strength and Stability

When evaluating a carrier, financial stability is paramount. You need to know they have the reserves to pay claims. United American holds an A.M. Best rating of [AM_BEST_RATING_PLACEHOLDER], indicating a strong ability to meet their ongoing insurance obligations.

Customer Service and Claims

A strong financial rating is only part of the picture. How a company treats its policyholders when a claim is filed is equally important. The NAIC complaint index for United American is [NAIC_INDEX_PLACEHOLDER]. This index compares the number of complaints a company receives to its market share.

Plan Options

United American offers a range of standardized Medicare Supplement plans. Remember, the supplement decision comes AFTER you choose Traditional Medicare - it's a component of the Traditional path, not an alternative to Advantage.

They typically offer:

• Plan A: The basic benefits required by law.
• Plan B: Basic benefits plus the Part A deductible.
• Plan F: The most comprehensive plan (only available if you were eligible for Medicare before 2020).
• High-Deductible Plan F (HDF): Lower premiums in exchange for a higher deductible.
• Plan G: Comprehensive coverage, excluding the Part B deductible.
• High-Deductible Plan G (HDG): Similar to HDF, but for those newly eligible.
• Plan N: Lower premiums with copays for some office and ER visits.

Note: Plan availability varies by state.

Pricing Structure

United American is known for using an attained-age rating method in many states. This means your premium is based on your current age and will increase as you get older. While their initial premiums might be competitive, it's crucial to factor in these expected increases over time.

When comparing United American to other carriers, it's important to look beyond the initial premium. You need to consider their history of rate increases in your specific state. A lower premium today might not be the best deal if the company has a track record of steep annual hikes.

Because benefits are standardized by federal law, a Plan G from United American offers the exact same medical coverage as a Plan G from any other carrier. The difference lies in the price, the company's financial stability, and their customer service.

You've built your life on making smart, informed decisions. Don't leave your healthcare coverage to chance. Let us walk you through every option and see how United American stacks up against the competition in your area. We'll help you compare free, no obligation.