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Don of Grand Prairie TX (05/03/08)
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 (01/13/08)
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 (11/23/07)
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.
Jeffrey of Midvale UT (10/22/07)
We were sold a United American Insurance policy that we thought we understood. It is supposed to cover $50.00 doctor visits, almost any emergency room visits. We were specificaly told that CAT scans were covered up to $3,000.00. Turns out they do not cover emergency room visits that do not have overnight visits. They said this was sent to us as a rider. We never received this rider. They do not cover anything even if it is stated clearly in our policy and have an excuse for every claim made (which are very few). After they paid nothing they raised our rates stating continual use. We are a very healthy family. Upon them reporting our emergency room visit with our son for an accident with no short or long term effects we are now not eligable for HMO insurance. Our family of 4 pay $600.00 per month and had two claimes in 3 years for a total of $4,000.00 of which we have paid $3,900.00. We cannot find any other insurance because of my sons CAT scan. United American Insurance Company misrepresented itself and put us one incident away from financial ruin.
Renee' of Sheffield Lake OH (09/26/07)
I had an expensive Blue Cross policy with a $5,000.00 Deductible so of course we were looking for a better policy. I am overweight and have type 2 diabetes which is controlled. We were assured that while my premiums might be slightly higher, it would not be a coverage issue. WRONG!!!! After intense questioning of the agents that appeared to discuss this policy we were assured that this is an 80/20 policy We were told to expect that the perscription policy was a little weak -- there is NO perscription coverage at all!!! I guess when things sound to good to be true, they are. At no time during our conversation were we told that due to my pre exisiting conditions that I would not be covered for 180 days and when coverage did take place it would be reduced by 25% I had health insurance!!! I gave it up for literally no coverage. We didn't get a copy of our policy for nearly a month and a half after we took the policy out. After going thru it we still did not see that there was no coverage for me. It wasn't until I went to a Doctor for a routine check-up was I informed that my 180 days were up yet! What?? I would give up insurance that was a sure thing for something that could literally cost me hundreds of thousands of dollars if something had happened to me. To add insult to injury, my premiums went up after 9 months by 153.71 a month!!! that was higher then any Blue Cross increase I had incurred.
Remonia of Chatsworth GA (06/14/07)
I had an ER visit and was told I had a kidney infection. A week later, I returned to the ER with even more pain and was then diagnosed with kidney stones. Both claims were submitted to United American. The first bill was $601.00. The second (b/c I had to have a CT scan) was almost $2500.00. United American paid $300.00 on the first bill and $0.00 on the second. When I called and questioned it, I was told that $300.00 is the maximum benefit per out-patient visit to the ER regardless of how much the bill is. (This is not what I was told by Angie, the rep who signed me up) So, when I asked why they would not pay the $300.00 on the second visit, I was told that I had the same diagnosis and they would only pay once per diagnosis. When I told her that I had two separate diagnosis', she said that they were related.....how ridiculous!!!!! Because both had to do with the kidneys????? Look....!!I can have a kidney infection without a stone, I can have a stone without an infection. How in the world can they get away with saying that because they were related that they will not pay anything at all??? I truly believe that United American Insurance is running a scam. I would encourage anyone looking for Independent Health Coverage to avoid United American Insurance.
Also,I told the claims rep that I wanted to terminate coverage immediately. I informed her that I was calling my bank to let them know that I did not want any more automatic drafts taken from my account by United American. She said she was cancelling my policy as we spoke. I'm just curious to see whether or not they try to draft my account again....I guess we will see. If they do, expect another posting from me.
I have had to set up a payment plan with the hospital to pay the $2500.00 plus the doctor's fees and the radiology fees, which are separate. I'm a working mom with two daughters to raise.
Custodio of South Webster OH (05/10/07)
My wife's work place was called on by UAI to provide heath insurance to it's employees. The rep Mr Cotto was sent in with his good looks, good talk and a lot of paper and pamphlets. he offered what he called an affordable health coverage to all the employees and their spouse or family should they need it. Over and over this person emphasises on how the plan would cover 80% of the bills, any medical bills. We signed up with him my wife adding me to the policy. Mr Cotto filled the formular HIMSELF, asking the questions, when he got to the existing condition part he filled up nothing because (his words) unless it is life threatening or some sort of cancer you don't need to put it in or it will cost more.
Since then my wife had two surgeries one for andometriosys and one to remove kidney stones. We were billed by the hopital with night stays, surgeries etc almost 15,000.00 each time. UAI covered ONLY up to $2,000.00 a day. What happened to the you are covered 80%?. It turns out this policy is not a primary insurance but a secondary for those who ALREADY have health insurance. We were lied to, and misled since the biginning. we called, complained and still to this day ... a year later no solution. all we hear is how we should have gotten an explicit policy booklet. If we pay to be covered up to $100,000.00 each why should we by limited to 2,000.00 a day? and why didn't the rep tell us that? and why didn't we know that it was a secondary insurance? Who covers hospital bills up to 2,000.00 nowaday knowing that a stay cost over 10,000.00?
I am now self employed and trying to make ends meet. We have credit card bills to pay and are facing a tough up hill battle by adding an extra 30,000.00 to pay on medical bills. we are now Without insurance once again and honestly feel like any other insurance will be as big of a crook as this one we trusted in. This health insurance issue has become a plague especially in a time were my wife an I are getting to a certain age where everything is possible.
Sean of Springfield MO (05/09/07)
I was told by my agent and other members of his office certain things were covered by my policy...only to find out later this insurance covers hardly anything. All employees in my office who I encouraged to purchase insurance through this company had the exact same problems and we have all cancelled the policy and moved on.
Doctors bills totaling over $6,000.00 Of which, United American Insurance paid almost $300.00. This place is the biggest scam.
Paul of Va Beach VA (03/27/07)
Dennis and Gerald gave my wife and I a sales pitch for their service. Stating we can use this insurance at any Doctor office, Hospital any time. Give them the ins card and they will file and we would receive a bill for our part later. I've tried multiple offices to see a doctor and they don't take the insurance. My wife has tried to make eye appoint. with participating offices and they don't take it as well. We've called the office to ask questions and they give us the we will look into this mistake and get back to you asap. They haven't called my wife for over 2 weeks. I finally had to goto the emergency room, I don't want to see my bill. I've read the other complaints and mine seems trivial but if this will help make a good financial decision for someone else I will be happy.
Rosemary of Delray Beach FL (02/24/07)
I have been throught the wringer with this company they have done nothing but lie everytime I speak with them. They take took 14 months to process and now they are doing everything they can do as to not pay another claim.
Brian J. of Fairfield AL (02/03/07)
I used to verify and process UA's insurance applications. When I spoke with clients about their health info, I noticed that many of them would make slight complaints about how United American does not have a working Customer Service number. One client stated that she gave an agent a blank check and he told her that he would not cash until she gave the o.k., but he withdrew the funds premature to her expectations, causing her to miss the deadline on her car not payment. I have much sympathy for the many people who are being swindled by this company.
Glenn of La Porte TX (11/17/06)
United American failed to pay a claim saying that the test performed by the emergency room was not covered by our policy. They did not inform us that the claim was not going to be paid until the bill from the hospital was turned over to a collection agency. This happened 6 months after the visit to the emergency room. During that 6 months, United American said that it was trying to get the hospital bill adjusted, and we never once got a straight answer from them in regads to the status of the claim until it was too late - behold, a collection agency!
We now have a $4000 hospital bill that we have to pay.
Martha of Port Allegany PA (11/12/06)
This company is sending out mass mailings that simulate United States Government mailings, or Social Security mailings, timed to go out when Social Security mailings go out, to reach people during the Medicare Part-D signup window. The language is misleading, implying that this is a government provided, sponsored or endorsed program.
Senior citizens in my community have been misled by this. Some contemplate changing their coverage, because they think the government is telling them to review their previously made choice for some reason, or that it should be changed.
Ruth of Nampa ID (10/24/06)
I applied for United American Insurance in Aug '06. The only reason I was getting insurance was for preventative dr. visits and perscriptions. I was told that my Discount Perscription would lower my medicine from $55.00 a month to $15.00 a month. When I went to the Pharmacy they told me that it only took $1.50 off my perscription. I was paying $4 extra dollars a month for it. I am switching from United American today.
Mark of Deerfield Beach FL (04/08/06)
A friend of mine not fluent in English asked me to evaluate a letter she had received from Medicare. The letter was sent by express and not by US mail. The outer and inner envelopes were prominently labeled Medicare and also Medicare logos This letter appears to deliberately mislead the recipient into beleiving it is from Medicare. It also carried a warning about the May 15 Part D deadline. I believe that info is not public. The enclosure was a very detailed official looking application for Medicare Part D insurance, not from Medicare but from United American Insurace Co.
Michelle of Valrico FL (02/02/06)
As I read on this website from previous victims- my husband and daughter have an insurance policy with United American. We switched from Blue Cross and the agent from UA (Louis) came out with a wonderful presentation, and CLEARLY stated that we would have more coverage than Blue Cross for less money- of course, like the complaints I read here, we received a bill for $3000 of which UA paid $447, and we now owe the remainder. I have never heard from the agent since obtaining the policy, and cannot find a way to get in touch with him at this time either. There is clearly some deception in the way these people are either being trained to pitch their product, or flat out lying to make a deal.
My husband and I are now responsible for $3000 that we were supposed to be covered for completely as stated many times by the agent.
Wendy of Mantua OH (01/03/06)
I signed my daughter & myself up for insurance in June with United American after several questions to BOTH of the gentlemen who aproached ME in MY store. I went on line with the BBB, and didn't find anything. Thought it was something that I could use, and depend on for us. Well... I guess I was 100% wrong! After $600.00 plus in perscriptions, and over $2,500 in doctor fees and visits, I find out that the deductions WOULD have come at the time of service. (this doesn't even count my monthly insurance payments!) Now that it is over 10 days - (per phone answer person at UAIC) I am out of luck! Nothing was covered! I was waiting for some amount of re-imbursement check from them. I went to a pharmacy that was on the list and also a doctor who was on the list, and all I am is frustrated, mad, feel scamned, and out lots of money. Then when I called to cancel, they STILL tried to deduct the payment out of my bank account!
Sue of N. Royalton OH (09/23/05)
We obtained insurance through UA in Nov. 2004 for my husband and stepson. At the time I was pregnant, so as soon as my group health insurance was over, we added my daughter to the policy.
We've had nothing but problems since. Much like the other complaints listed on this site, we were misled by the agent in many ways. We were never explained any of the riders/rules/ exceptions correctly. Only after getting a call from my pediatricians office telling us our balance was too high and we couldn't get my daughter's vaccinations unless we paid some of it off, did we find out how bad the insurance is. The 1st yr well visit max is $500.... but we were not informed that this included vaccinations! So now I have a $788 balance to pay out of pocket and the yr isn't even over! We could've paid out of pocket instead of having insurance and it would have been cheaper! After less than a year, we now cancelled UA due to this crap!!!
We were not properly explained that in order to have a sick visit covered, she must have had the same illness 3 times!! How many kids have the same exact thing 3 times?? What good is a plan that doesn't cover sick visits regularly?
We also were led to believe we had dental insurance- only to find it is a discount program- and LIMITED at that! We found this out when we had to pay over $2000 for dental work for my stepson- and we looked like idiots showing up with a card only to be told it is not insurance nor a discount program that would even cover the work needed!
And lastly, the one time I tried to even use the prescription card for my daughters vitamin prescription, the retail store couldn't even find the info needed in the computer to help us!
This has just been one huge scam and financial burden!! We are a one income household as I became a stay at home mom after my daughters birth. ... These added expenses put a strain on us, not to mention being surprised with medical bills regularly!!
Deborah of New Orlean LA (07/18/03)
I applied and got insurance dated: 11/28/2000. I was diagnosed with breast cancer in June of 2002.
I have a balance of $20,000 on the hospital bill on which United American paid only $100.00. I had undergone chemotherapy for six months, had a mastectomy, and radiation. I have a medical bill from Oschner Hospital and Clinic that totals $105,000. I have not been able to work due to my health. I have only recently started receiving SSI after having been denied twice. I have also applied for Medicaid very recently and at the Ochsner Clinic, they do not accept Medicaid but to accept Medicare.
Barbara of Payson AZ (5/13/05):
On 08-01-2003 Jim F. came to our home and after questioning Jim at great length about what was covered and what was not, Jim kept telling us that "Whatever tests or procedures we needed to have done, 'have them done AT THE HOSPITAL, and they would be covered.'"
I specifically asked about X-Rays, Labwork, CT's etc... Jim kept saying YES over and over - "as long as it is done AT THE HOSPITAL it will be covered by United American."
3-30-05 I had labwork done and was billed $837.15 - United American paid $200. 4-1-05 I had a CT-ABD/CT-PEL/Contrast done and was billed $5,795.63. UA paid $0 - nothing.
I immediately called Jim F. and we reflected on our initial meeting and he remembered me and my husband and our conversation vividly. Jim commented on how I had grilled him on what was covered, how much and where it was to be done. Then I told Jim about the shock I received. Jim was speachless, he couldn't believe that such a mistake or screw up could of happened and he assured me he would get to the bottom of this ASAP.
Later that day I received a call from Jim's boss Grey Yates who said Jim was "one of the best" and assured me he would do whatever needed to be done - not to worry. One week later I received a call from Jim who basically said "Oh well, it's too bad - Nothing I can do".
I now owe $6,432.78 of which I was told by Jim F. I would not have to pay a penny. I DO NOT have this money, if I had not been lied to or misled to believe this should of been covered then I would have shopped around for the cheapest place to have this done over 4 hours away. I am going to be put in Collections now.
Deborah of New Orleans (7/18/03):
I have applied and got insurance dated: 11/28/2000. I was diagnosed with breast cancer in June of 2002.
I have a balance of $20,000 on the hospital bill in which United American paid only $100.00. I had undergone chemotherapy for six months, had a mastectomy, and radiation. I have a medical bill from Oschner Hospital and Clinic that totals $105,000.
I have not been able to work due to my health. I have only recently started receiving SSI after having been denied twice. I have also applied for Medicaid very recently and at the Ochsner Clinic, they do not accept Medicaid but do accept Medicare.
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