United American Insurance

3700 S. Stonebridge Drive, Dallas, TX

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Ben of Denver, CO October 19, 2009

I paid my monthly bill for almost 3 years on time and EVERY SINGLE CLAIM that was submitted to them by my doctors has been denied. Luckily none were all that serious but I have paid them over 35,000 in the last 3 years and they wouldn't even cover a 400 doctors visit!

Constance of Bear, DE September 23, 2009

as POA for Lawrence M, I decided to check into his life insurance policy. When living in North Carolina, he obtained life insurance policy that was worthless. The policy has allmost been paid up triple the amount the policy worth. remind you he was 78 years old when policy taken out. This is a chase of elderly abures. The company will not clouse out the policy as paid up, but they are willing to give him 1,248.000 if the policy is surrended.He has bee paying this insurance for twelve yeas as of April 2009.This is a real rip off for senior citzens. The company is not following the statment on the contract

Bailey of Columbia, SC September 17, 2009

I worked for United American Insurance Company for many years as a manager. I was promoted right after starting (which is not unusual because they promote quickly). As I look back now, I am so glad that nothing major happened to any of the people I've written policies for. For a long time (never having been exposed to Major Medical). The REAL problem is that UA will hire ANYONE, so long as you haven't committed a felony. Most of the agents know zero about insurance, they are only counting commissions (which are the highest in the business). You make a TREMENDOUS AMOUNT OF MONEY WRITING THESE POLICIES! As much as 700-800 per policy for the Flex plans.

None of the medical plans will pay, none will covr lab work or emergency room visits or annual physicals. they are written in VERY obscure language depending on the fact that the customer does not know much about insurance. When i sold these policies, I truly believed they were the best for the money, but then, I had never been sick or really knew anyone that was ever really sick enough to use one. The medicare plans are good, just expensive. The medical plans are now worth he paper they are written on.

I just thank God that I left UA. And for those of you with complaints, you are all complaining to the wrong places. If you want to see something done about it, you need to file complaints with your state's 'DEPARTMENT OF INSURANCE" they oversee insurance companies. I was in mgmt with UA and THAT IS THE ONLY THING THEY ARE TERRIFIED OF BECAUSE THEY CAN RUN THE RISK OF BEING KICKED OUT OF THE STATE IF ENOUGH PEOPLE CAN SHOW CAUSE. Good luck!

John of Pleasant Grove, UT September 2, 2009

I purchased a United American policy for my whole family. We paid nearly 600 per month for the policy. The agent told us that it was major medical insurance, that it covered 80% of major medical expenses, and that UA was one of the premiere self employment insurance companies in the country. My wife was in a serious accident where she broker seven vertebrae. The accident was not her fault. She had several hospital stays and one serious surgery. Total bill for cat scans, xrays, hospital, and surgery now exceeds 80K. United American has covered about 16K. All my calls have been answered by desk clerks who all say the same thing: "We are not a major medical insurer!" I cannot believe it. This is exactly the opposite of what the agent who sold us the policy said it was. THE EXACT OPPOSITE. This is not even health insurance as this company does not have insurance contracts with the medical caregivers. The hospitals had no idea who they were and had no financial contracts with them. Do not buy United American; it is not health insurance in the traditional sense; at best it is a sort of health "rider" or "addendum" but for the cost it is a total scam. A class action law suit is required. Does anybody know if one exists? If not, let us file one ourselves.

Arvind of Westerville, OH September 1, 2009

I had shoulder surgery, first time ever used insurance in a big way. The total bill was 17K the United American Insurance paid 5K, leaving will a bill for 12K. I paid about 23K in premiums over the last three years. I am still trying to have them explain why they paid so little.

Deborah of Fort Stewart, GA August 26, 2009

J. Wilson took out a life insurance policy with United American insurance, on my sister and her husband, who both are significantly developmentally delayed. Neither my sister nor her husband were aware that he had done this. Both get social security disability/insurance. Money was being taken from their account and sent directly to an address for United American Insurance. My sister's counselor attempted to request a copy of the insurance documents from the company and were unable to reach anyone who could provide the information.

After three years of sending money for this insurance (I believe about 100+ a month) there is no accountability of where it is, who has it, or an insurance policy to prove that such ever existed. I attempted to talk with Wilson, who is reportedly named as the beneficiary on the life insurance policy. He indirectly indicated that there may be more than one life insurance policy on them. When I pressured him for more information he hung up.

I have called many places for help: Police Department, Illinois Attorney General's office, State's Attorney's office, Senior Services, Senior Abuse hotline, Illinois Inspector General's office, Department of Human Resources, Department of Children and Family Service. Everyone says that what the pastor has done is unethical but because of how it has been done, it is not criminal and therefore no one has jurisdiction to help investigate.

Amy of Conway, SC August 9, 2009

I, too, have paid premiums regular...nearly 400/mo. I had a reaction to prescribed medication and United American pays about 35 on bills that amount to around 700. My salesperson told me I was covered for each occurence up to 50K. United American is a scam artist and, seriously, we policy holders should get together and initiate a class action lawsuit.

I'm in the process of BEGGING for help from my doctors, but many of them are scam artists too so good luck with that one. I have no idea how I'm going to pay these bills on my income. For one thing, my physical problem has caused me to lose a lot of work. Please, Obama and Congress, FIX this mess before I go totally broke. You get government healthcare...how about giving me your policy.

Mark of Advance, NC July 23, 2009

We paid our premiums, but found that this insurance is worthless when you use it. It has yet to pay what we were told when we took out our policy. When we call and ask they have told us that the Dr. filed the bills wrong, and send them to the office. We did that and still didn't get them paid. Stay away from this insurance if you need real insurance.

William of Corinth, MS July 10, 2009

United American sent me a letter stating they would pay the full benefit amount of 4,000 on a hospital bill. They actually paid about 3,500. None of their customer service representatives can explain why they did not pay the full benefit as their letter to me stated they would. By email they told me they had paid per my policy benefits and any remaining balance would be my responsibility. This is not the first time United American has done this to me. United American has denied more claims than I can count without ever giving me any reason why they denied them.

Monica of Lebanon, MO July 3, 2009

I thought I had the coverage I needed until I had to go to the emergency room. Mr H misrepresented himself & what benifits I had with United American Insurance. They only pay up to 80 % of the amounts they will pay. Not 80% of the bill. I have had this insurance for a year now made all my payments. My bill from the emergency room is around 8000.00 they will only pay 349.00. I called to talk with someone & she suggested to work out a payment plan with the hospital.

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