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.
judith of burlington, NC April 29, 2009
I was issued a policy on 2-23--2005 by Mr.C. Wilson no. 78232 it was a medical suppliment to go with my medicare my husband had applied also why he wrote up a 10 year insurance policy for 70.00 a month for 12,424 of insurance i would not do that .why would i take out life insurance and not on my husband. i thought i was signing a health suppliment,not life insurance to me this is a scam iam not a stupid person,my signature is there also my husbands but believe me i don't know how this happened,hoe it when from medical suppliment to life i have no idea.
Judith of Burlington, NC April 7, 2009
My husband and I insured by United American as our supplament to Medicare at the end of 05 or early 06 I called and cancelled both policies as we joined Bankers Life I found out just recently that they cancelled my husband Sidney's but not mine. to make a long story short they have been taking 70.00 a month out of my bank account since 05 the last few years i have been sick alot and in and out of the hospital. when it came to my attention what they had been doing all these years I was shocked.They were never charged anything for my medical,Bankers Life paid for it along with Medicare.As far as Iam concerned they owe me 2,380.00 I have 34 bank statements that show it being removed each month at 70.00 per month.
We are on s.s. as we are seniors trying to get buy.And to make matters worse we were the victums of bank fraud to the tune of 21,000.00.This is not right to take our money please help us.
Judy of Amory, MS February 3, 2009
Had a policy with another company Woman came by wanting to compare insurance. Said her company could take care of us for less it would cover the big stuff.My husband is self employed. The Big stuff hit I had cancer of the larynx had to have 2 surgeries. I can not speak as I have no vocal chords. The bills started piling in saying denied. We started trying to get in touch with the person we got insurance from she would not return calls.
Finally I paid my sister to come down she lives in another town and try to help us figure out she repeatedly tried to get in touch with insurance but no luck.the represenative was Laura.The company told us if she don't call you back call us well we did still nothing.We kept on calling and finally got the company to send us I don't know what to call it maybe itemized statement of what they paid..They sent me a list of other patients bills and copies of checks. We called back no return calls.
This has left us owing approximately 145,000 we have tried to pay on them like 10-50 a month some months we couldn't. Some were turned over to collection agency and our checking account has been froze. I am on disability now and my husband is self employed. It has been a nightmare and still is. We don't know where to turn.
Ray of Morgan, UT December 18, 2008
We paid 300 per month for a couple years and never made a single claim. My wife finally did go to the doctors and was diagnosed with some thing that would require lots of treatment. Even though United American told us this type of stuff would be covered at 80%, they have refused to pay more than 300....one time. The agent explained after that they only cover 80% of the first 25 afterwards (that would be 20). Of course, it doesn't say ANYTHING about this in the policy, and doesn't make sense because they didn't even pay out the 20. So essentially, we paid about 7000 and they paid out 300. THIS IS A SCAM!
The policy cost us 7000 over two years and we are now stuck with essentially no insurance when we actually need it.
Amber of Reno, NV November 11, 2008
My Husband went to work For UA they told him all commisions up front great product and all you need to do was get check and agree bank draft. He signed up our friends, Family,Co Workers and Former Clients. When people got policies back everything was rated down but UA took full premiums and said my husband had to pay back to clients. Then they cancelled all policies because we stopped payment on checks on some policies due to reduction in insurance amounts UA cancelled all polices and kept the full premiums of what whole life was written for and then took a draft for cancelled polices.
When he talked to Branch Office Manager He said he knew nothing about it. Said contact Home office but would not give a Number. The check and premiums went to UA not agent so UA has to pay back. My husband does not work for them any longer. But I have made a complaint to the DOI in Nevada. They also opporate under the Name Liberty National Insuranc,American Investor Life,Globe Life and UA. So be very careful because is a scam and will try to take more money and keep even though you whole life is rated down to 25 a month. Per Nevada Law the Insurance Co must refund the money not agent. Money and policies come from UA
The economic problems is they kept my husbands commisions on the policies they cancelled plus my 800 in insurance premiums
Tory of Wichita, KS September 30, 2008
Several agents from this company insisted to me that pre-existing conditions would have no effect on this health insurance coverage. It was a lie and it happened numerous times. This company should be investigated legally. I am seeking now to receive refund in full of all premiums paid.
I accepted surgery after being assured that it would be covered as described to me earlier. Everything has now been denied.
Don E. Cameron of Grand Prairie, TX May 3, 2008
I bought a Medigap policy on 4-3-1997. as I remember I paid a premium of 60 a month, taken from my checking acount by computer. Now Im up to 195 month. They say they have to raise my premiums each year because of hospital stays are getting more costly. I did NOT buy insurance covering hospital stays, as I use the VA medical facility. I did buy outpatient coverage or part b medical coverage to cover what Medicare does not cover in the doctors office. I bought what United American calls PLAN A, not to be confused with Part A medicare. Im only covered for outpatient services. They will not admit to this after many letters.
I have contaced the State Insurance board and they say Im right but they do nothing about it, perhaps because Im dealing with a Delaware Corporation. I am tired writing them as they will NEVER reply to my questions. Like a good politician, only beat arount the bush. Never answer directly if any answer at all. The last letter from them, today, the 3rd of may says if I want to cancel the policy to call a number in the letter. Nothing about my plan a which I bought. Nothing about anything I asked about, as usual.
Can you get me any action or help me with rebates for the many years they have overcharged me? Im 82 and I need some relief. Other companys may not be any different or I would change, but I want them punished for stealing from my only income, Social Security. I think they want me to cancel before I can stir up any trouble for them.
Consequences are they raide my premiums more than Medicare raises my annual increase in benifits. I cant keep on paying for insurance I didnt buy coverage for.
Alicia of Willowick, OH January 13, 2008
I am currently under contract working as an agent with United American Insurance Company. I have been sexually harassed and discriminated against by management. I currently have an attorney and hope that other women and men will not end up targeted for standing up to this unethical company!
I was retaliated against by holding renewals and agent statements. Called a peasant by management even though I wrote 250,000 in annual apr for them. I feel afraid for all the innocent customers I put in jeapardy due to false training on coverage!
Haley of Arlington Texas, TX November 23, 2007
I was searching for a job, so I posted my resume on-line. I got an e-mail responding to my resume from a company American Income. A telephone number was left, so I called and they took my information and said that they would contact me. About a week later I got an e-mail from United American Insurance offering positions; I called the number, they took my information, and they said they would contact me shortly. After that call, I realized the numbers were similar and the man I talked to sounded like the same man from the previous call.
I looked up the company and saw similar complaints, I also read that they do actually offer some jobs, but you only get paid by commission, no salary or hourly wage. Someone looking for a job shouldn't get their hopes up and waste their time contacting this company. I felt ridiculous when I thought that I had a job offer. They only ask your name, address, phone,and e-mail--nothing pertaining to skills or experience. It's a complete waste of time.
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