United American Medicare Supplement Insurance

History

United American Insurance Company, a subsidiary of the Torchmark Corporation, was founded in 1947 by C.L. Dunlap. Originally a one-man company formed in Dallas, Texas, it is now one of the oldest Medicare supplement providers still available today.

In 1966, the company began offering its United American Medicare supplement plans across the nation. This new change came with the move of their headquarters to nearby McKinney, Texas, where the building now remains today.

Now, with well over 500 employees and independent agents in 50 different states, the company is a common Medicare supplement plan choice.

Contact Info

The address of the United American headquarters is 3700 S Stonebridge Dr, McKinney, Texas 75070. 

If you would like to call United American, they have a toll-free phone number at (800) 331-2512. But when faxing, use the United American fax line at (972) 569-3709.

To visit the United American website, which includes both a Contact Form and Frequently Asked Questions page, go to www.unitedamerican.com.

What Makes the Company Special?

The United American company themselves is based on four core values:

  • Stability
  • Service
  • Quality
  • Commitment

And that’s not all that United American has to separate it from everyone else in the business.

  1. First, they have a long history in meeting the demands of members. This includes having fair rates and processing claims quickly.
  1. Second is the 50 years of experience gained from offering seniors Medicare supplement plans. You should feel totally satisfied when enrolling.

From this, United American supplement plans have been, and continue to be, a competitive choice when picking your Medigap coverage. 

But, one special part of United American is their focus on the South Florida market. Considered your “go-to” choice in Florida, they offer several low-cost plan premiums, with no charge for policy writing. On top of that, you’ll pay the lowest price for the very popular Medicare Supplement Plan F.

Annuity and Other Products

United American is much more than just your average Medicare supplement plan provider. If you need proof, let’s look to two of their products – the United American Medicare supplement High Deductible Plan F and their Reserve Fund Annuity.

First, the United American High Deductible Plan F, like a regular Plan F, covers most everything, but at a seriously lower premium. 

So, you may be asking, how can you get the same benefits at so much of a lower cost? 

The plan uses a $2,200 deductible in 2019 to help shift the premium down, most often for those who have only small claims to make per year. Basically, the fewer claims you make, the more cost effective your High Deductible Plan F becomes.

When pairing this plan to United American’s Reserve Fund Annuity, you can set up a fund that will both:

  • Allow you to set aside money for a later time, and…
  • Pay your deductible, copays, or any out-of-pocket costs on request.

With this enrollment strategy, your coverage, and its costs, can continue to stay under control.

List of States They Sell In

United American, beginning from humble roots, now covers almost every state in the country. This means that even if the plan types available change, you will always find at least one option offered by the company in the following states:

  • Alaska
  • Alabama
  • Arkansas 
  • Arizona 
  • California
  • Colorado
  • Connecticut
  • Delaware 
  • Florida
  • Georgia 
  • Hawaii
  • Iowa
  • Idaho
  • Illinois 
  • Indiana 
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts 
  • Maryland
  • Maine
  • Minnesota
  • Missouri
  • Michigan 
  • Mississippi
  • Montana 
  • New Jersey
  • North Dakota 
  • North Carolina 
  • New Hampshire
  • New Mexico
  • Nebraska
  • Nevada
  • New York
  • Ohio
  • Oklahoma 
  • Oregon
  • Pennsylvania
  • Rhode Island 
  • South Carolina
  • South Dakota
  • Tennessee 
  • Texas
  • Virginia
  • Vermont
  • Utah
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Plans They Sell

With 11 total possible Medicare supplement plan types, United American offers 10. This means that they cover almost every option. Your choices include:

  • Medigap Plan A
  • Medigap Plan B
  • Medigap Plan C
  • Medigap Plan D
  • Medigap Plan F
  • Medigap Plan F (with High Deductible)
  • Medigap Plan G
  • Medigap Plan K
  • Medigap Plan L
  • Medigap Plan N

Sister Brands

Because United American is a subsidiary of the Torchmark Corporation, it is considered a “sister-brand” to a few other companies. All the companies include, but are not limited to, life insurance, annuities, and Medicare supplement plans. These subsidiaries are:

  • Liberty National Life Insurance Company
  • Globe Life and Accident Insurance Company
  • Globe Life Insurance Company of New York
  • American Income Life Insurance Company
  • Family Heritage Life Insurance Company of America

With this, United American Medicare supplement plans get individual marketing, just like its sister companies.

Ratings and Review

Immediately, you’ll notice that the ratings for United American speak for themselves. 

With strong ratings like an A+ from A.M. Best and an AA- from Standard & Poor’s, the company remains one of the most capable in the business. So, when it comes to customer service and paying your claims, you’re in reliable hands.

To top it off, they’ve had accreditation with the Better Business Bureau since 1952, only 5 years after the company’s founding. Today, they hold a solid A+ score with the BBB.

Complaints

If you find yourself hearing some complaints about United American Insurance, consider the most common problems and what may be causing them. 

Sometimes, a complaint can just be a misunderstanding.

But that still leaves the question – what’re some regular complaints about United American Medicare supplement plans? Let’s see some examples.

  1. Despite having great customer service, United American is most interested in their online form submissions, with limited availability for over-the-phone help.

This means, more than likely, that you’ll be talking about your coverage more by email than by phone. 

  1. Another common complaint is about claims being denied. Many companies struggle with this complaint, especially if the information being given isn’t clear. 

In most cases though, a denied claim will just be from miscommunication during enrollment.

Overall, the complaint volume for United American Insurance is low for a company of its size, with only 36 of 102 total ratings on Consumer Affairs being one-star.

Resources

https://www.expertinsurancereviews.com/reviews/united-american-medicare/
https://www.bestliferates.org/companies/united-american-review/
https://medicarewire.com/medigap/plan/united-american-medigap-plans-florida/
https://www.medigap.com/united-american-medicare-plans/
https://en.wikipedia.org/wiki/Torchmark
https://www2.unitedamerican.com/about-ua/why-choose-ua.aspx
https://www2.unitedamerican.com/who_we_are/
https://www.consumeraffairs.com/insurance/united_am.html
https://www.bbb.org/us/tx/mckinney/profile/insurance-companies/united-american-insurance-company-0875-90715687
https://whyaim.com/united-americans-high-deductible-plan-f/