United American Insurance

I returned to Scotland on January 24, 2011. When I received a notice from SS that my SS payment would be direct deposited into my Scottish bank, I was very surprised to learn that $53.83 was being deducted for Part D payments, since United American had cancelled my policy on November 1, 2010.

For the past year, I have spoken to UA, SS, and Medicare and been passed from pillar to post. And just last week, I was told that I would again have to contact UA to appeal the fact that I "could not receive the monies erroneously taken." When I cancelled the SS payments, I told them I was leaving the country, but no one told me that Part D was separate from all other coverage. I am a 69-year-old woman with diabetes and the ensuing problems resulting from that. I need that money returned to me. Thank you.

I already had a health policy from Blue Cross, but I had a $10,000.00 deductible. When my husband was looking into a medigap policy, the agent asked me about who I was covered by. When I told him, he said that I was going to be in a lot of debt. If I ever went in the hospital, he had me so worked up that he convinced me I needed a second policy to cover all the things that Blue Cross didn't. He told me I would never have to come out of my pocket for anything. The policy he sold me on March 6, 2007 for $ 257.95 a month was paid on up until this week (3-1-2012), when I canceled the policy because it didn't cover anything when I needed it - I have not ever used this coverage. I recently had problems with pain in my abdomen and I had to undergo several tests, which none were covered, so much for anything Blue Cross didn't cover. I am now in $50,000.00 worth of debt now. How can this happen?

My complaint is that for some reason we have been getting calls from United American Insurance at our home. We are on the "do not call list" and I had never even heard of them so I have no idea how they got our number. It's a pre-recorded message that's getting left on our answering machine.

I have submitted complaints four times now concerning problems with United American Insurance Company, including misrepresentation by local branch manager and his superiors. The full documentation is below and the incident is now fifteen months ongoing. The latest two events I have initiated is contact with the Texas Department of Insurance which would not address my concerns, but referred them back to Georgia. Georgia Department of Insurance has not addressed any of the state insurance law violations I have reported. Then on January 12th 2011, I wrote a long letter to newly elected Attorney General, Sam ** whose duties include, among others, serving as the attorney and legal advisor for all state agencies, departments, authorities and the Governor. And providing opinions on legal questions concerning the State of Georgia or its agencies, which are binding on all state agencies and departments. My letter was answered by Assistant Attorney General, Jeffrey ** who is not going to address my concerns.

After a conversation with a federal judge I know, it appears that the only way my issues and the hundreds of others, who have complained to consumer affairs, will only be resolved with a huge, multi-million dollar class action lawsuit again United American. I would love to see this done.

For nearly a year, I have dealt with a branch manager who mislead me into applying for Med Sup Policy promising a certain issue date to avoid having to pay a months premium with employer plan costing me over $500.00; a VP who scheduled a visit with me and did not show; a paralegal who promised on a recorded 3-way phone call with Ga Insurance Department representative to pay benefits during Jan 1-20th, 2010 if I would agree to change issue date from Jan 1 to Jan 20th, but now refuses claims on those 20 days; and state insurance office that sides with company instead of me, the consumer.

It's important to watch this company before buying. I have learned that there is a VP who is not man enough to keep an appointment or reply to a letter I sent certified mail; a paralegal who is not lady enough to keep promises and who lies; a branch manager who is not ethical and honest enough to obey state insurance laws; and a state insurance department that is not fair enough to fulfill consumer protection from dishonest companies or enforce laws governing agent activity. I think this case deserves major media attention and possible lawsuit. Damage resulted to $800.00 plus unpaid claims.

I have submitted complaints four times now concerning problems with United American Insurance Company including misrepresentation by local branch manager and his superiors. The full documentation is below. The incident is now 15 months ongoing.

The latest two events I have initiated is contact with the Texas Dept. of Insurance which would not address my concerns, but referred them back to Georgia. Georgia Department of Insurance has not addressed any of the state insurance law violations I have reported. Then on January 12, 2011, I wrote a long letter to newly elected Attorney General Sam ** whose duties include, among others: 1) Serving as the attorney and legal adviser for all state agencies, departments, authorities and the Governor. 2) Providing opinions on legal questions concerning the State of Georgia or its agencies, which are binding on all state agencies and departments.

My letter was answered by Assistant Attorney General Jeffrey ** who is not going to address my concerns. After a conversation with a federal judge I know, it appears the only way my issues and the hundreds of others who have complained to consumer affairs will only be resolved with a huge, multimillion dollar class action law suit against United American. I would love to see this done.

Incident = For nearly a year I have dealt with a Branch Manager who mislead me into applying for Med Sup policy, promising a certain issue date to avoid having to pay a months premium with employer plan costing me over $500.00. A VP who scheduled a visit with me did not show, a paralegal who promised on a recorded 3-way phone call with Ga Insurance Dept. representative to pay benefits during Jan 1-20, 2010 if I would agree to change issue date from Jan 1 to Jan 20, but now refuses claims those 20 days, and state insurance office that sides with company instead of me, the consumer.

It's important to watch this company before buying. I have learned that there is a V. P. who is not man enough to keep an appointment or reply to a letter I sent certified mail. A paralegal who is not lady enough to keep promises and who lies. A branch manager who is not ethical and honest enough to obey state insurance laws. And a state insurance department that is not fair enough to fulfill consumer protection from dishonest companies or enforce laws governing agent activity.

I filed two complaints about United American involving violation of state insurance laws and unfair business practices. One was published on United American website. How can I get exposure to these issues--media or otherwise--that will bring attention to the company and make them respond?

For nearly a year, I have dealt with a Branch Manager who misled me into applying for Med Sup policy promising a certain issue date to avoid having to pay a months premium with employer plan costing me over $500, a VP who scheduled a visit with me and did not show, a paralegal who promised on a recorded 3-way phone call with Ga Insurance Dept. representative to pay benefits during Jan 1-20, 2010 if I would agree to change issue date from Jan 1 to Jan 20, but now refuses claims those 20 days, and state insurance office that sides with the company instead of me, the consumer.

It's important to watch this company before buying. I have learned that there is a VP who is not man enough to keep an appointment or reply to a letter I sent certified mail, a paralegal who is not lady enough to keep promises and who lies, a branch manager who is not ethical and honest enough to obey state insurance laws, and a state insurance department that is not fair enough to fulfill consumer protection from dishonest companies or enforce laws governing agent activity. I think this case deserves major media attention and possible law suit.

For nearly a year, I have dealt with a branch manager who misled me into applying for med supplement policy, promising a certain issue date to avoid having to pay a month's premium with employer plan. It cost me over $500.00. A VP who scheduled a visit with me did not show. A paralegal who promised on recorded phone call to pay benefits during Jan 1-20, 2010 now refuses and claims those 20 days.

And the state insurance office sides with the company instead of me, the consumer. It's important to watch this company before buying. I've learned that there is a V. P. who is not man enough to keep an appointment and a paralegal who is not lady enough to keep promises and who lies. There's a branch manager who is not ethical and honest enough to obey state insurance laws. And there's a state insurance department that is not fair enough to fulfill consumer protection from dishonest companies.

For nearly a year, I have dealt with a branch manager who misled me into applying for Med Sup policy promising a certain issue date (to avoid having to pay a month's premium with employer plan costing me over $500.00), a VP who scheduled a visit with me and did not show, a paralegal who promised on recorded phone call to pay the benefits during Jan. 1-20, 2010 but now refuses claims, and state insurance office that sides with the company instead of me, the consumer.

It's important to watch this company before buying. I have learned that there is a VP who is not man enough to keep an appointment, a paralegal who is not lady enough to keep promises and who lies, a branch manager who is not ethical and honest enough to obey state insurance laws, and a state insurance department that is not fair enough to fulfill consumer protection from dishonest companies.

This company has violated several state insurance laws, allowed a manager to mislead and make promises not authorized resulting in over $800 personal expense, made promises by telephone which are recorded, denied and then failed to deliver, refused to pay claims, been sheltered by state insurance commissioner's office, had a vice-president who was to meet with me not even show up. This list is long and my warning strong to avoid this company like the plague.

I bought a Medicare supplemental insurance policy for age under 65, 7 months ago. They have denied every single claim that was ever submitted to them. They sent me denial notices because I had to wait for a six-month pre-existing condition clause. My agent said that as long as I had proof of an existing group plan I, the waiting period would be waived. They agreed when I told them that I had the certificate to have a guaranteed issue to purchase new health insurance. This insurance was purchased prior to the 63 days time allowance. I faxed the certificate to my agent and to United American.

Nothing happened except when my agent said that he was working on it but most of the people that he had dealt with it in the past had retired or are getting ready to retire and they just don't care about this problem but he would work on it. I called United American daily to see if they got one of the four faxes which was the same certificate faxed 4 times, that I sent them. As of June 15, 2010, still they had not received it. I asked if I could speak to anyone in new business where the faxes are sent and decisions are made and I was told that no one talks to that department. We are only allowed to send them internal emails. I asked them about their pre-existing condition clause, that if I were to go to the doctor for a sore throat which is obviously not a pre-existing condition, would they cover it. I was told by a service representative that they deny every claim in the first six months regardless of the condition.

Before I even filed a claim, my premiums went up in the fourth month by more than 20%. I called my agent many times. He said that he is working on it. He has been caught in so many lies. I really don't believe a word he says. Last week, he said that he needed to know what doctors I saw, what for, and how much United American owed them. I told him that I thought there was some kind of HIPPA violation going on because I shouldn't have to tell my agent my doctors' names and diagnosis. I went ahead and did it because I am desperate. I pay $4,800 per year for this insurance and after pulling the last 3 years of Medicare EOB, I won't even come close to owing that much in out-of-pocket expenses. I have paid them close to $3,000 so far and they are arguing over paying $230. I will get them to pay this and then I will cancel my policy and take my chances.

I was just flat lied to by the agent for this company. She said my insurance was just like a PPO, that I could use my card at the doctor's office just like any reputable company, same with the dentist or pharmacy. I went to see a doctor, gave them the card then I got a letter from United saying the following: Your policy provides protection against the expense of accidental injuries. However, it does not provide benefits for treatment of an illness. In short, this company is a scam and I would be willing to bet that they never pay out anything towards anyone's claims. I highly recommend you to stay far away from this farce company.

After being a policy holder since 1998, I made my first claim in 2009. I had a colonoscopy, an endoscopy & my gallbladder removed. The latter has put me in the hospital for 2 full days. The total pay out from United American Insurance was only $200, which was barely 1/4 of what I calculated my policy should have paid. When I asked the insurance company, they explained that they only pay out $200 annually on the policy. This seems strange since my premiums are almost $600 per year. I believe this company is running a total scam and I suggest for others to avoid the mistake of working with United American Insurance.

We've been paying our premiums every month and pretty much every single claim gets denied (emergency room visit due to asthma, they paid nothing. Cancer surgery, they paid nothing). Why am I paying them every month since they don't seem to cover anything?

I went to work for United American and left a well-paying job. They promise prospective agents six figure incomes to lure them in. It did not take me long to figure out that working for this company is a joke. They give you about five days' training and then tell you that you have to sell 12,500 in ap or you are let go.

They provide absolutely no literature to help you sell. In addition you are a virtual telemarketer. They require you to make around 800 calls per week. The Wichita office employs around 22 agents. A short time after becoming employed with them, I noticed there were always new faces in the office. So here is what UA does: They hire people and have them pay to get licensed. They use that agent to sell a few policies and then fire them for underperforming.

How does this make any profit sense for UA? Well it's easy. The agent sells policies and is promised monthly residual income. If the company fires you then they no longer owe you any residuals. Bottom line is this company is a scam to work for and does not provide good coverage for its clients. Do not go to work for these people. They ruined my life economically!

I signed up for two insurance policies. The United Insurance was to provide the "GAP" coverage so I was "100%" covered. I made my first claim on an emergency visit to the hospital. The claim was denied since it was an "outpatient". This was not explained to me by the agent when I purchased the policy.

I have no control over whether the doctor deems me injury/illness and outpatient or inpatient. It appears to me the right thing to do was to minimize the cost of the visit so the doctor made the right choice. However United American refuses to pay. I called to challenge this decision and was told I can purchase a "rider" to my policy that would cover the "outpatient" expenses.

I reject this as a "bait-and-switch". This is a total misrepresentation of what I purchased. To add insult to injury, they were able to mail my ID cards to my correct address but the explanation of benefits package I have not yet received because they have an incorrect address. I feel I have been deceived and would like this to be corrected.

I contacted them to buy "gap" insurance. It seemed like they had the product I needed. The local office on the first rep's business card took me to a home office across town. When I finally sat down with the rep, I found out that I could only buy certain denominations, I had to buy this to get that. But the clincher was when he told me that I had to set up an automatic "checking draft condition" so they could automatically deduct the premiums from my checking account monthly. When pigs fly, I'll let an insurance company have access to my checking account. These guys sound like a classic scam. I would never consider them again.

I spend a lot of time searching for insurance, and met with the UA agent twice. I asked a lot of questions and he answered them assuring me that the policy would cover and was well worth the purchase.

Sometime later, I visited my doctor and found that they only paid a $50.00 of the $165.00 charge. I was being treated for skin cancer and United American only paid a small portion. The balance was left to me which I had difficulty paying. The doctor's office notified me that my insurance was terrible. After not being able to pay the balance, I was notified by the physician that they refused further treatment. I then became a victim of lung cancer and had numerous testing procedures which United American would not pay even one dollar. One oncologist refused to treat me due to, and I quote, "Your insurance has refused to pay for any charges, therefore I cannot treat you. I was referred to a doctor's group, who agreed to treat but I had to apply for indigent assistance through the hospital.

United American would only pay up to $300.00 for any procedure and if you have more than one procedure, they decline payment stating that they have already paid $300 which is their maximum.

I now am about $100,000 in debt and it continues to grow and has negatively affected my credit. Due to my condition, I am unable to find other insurance to replace United American and they continue to collect their premiums. This is seriously wrong. I am waiting for hospitals and other physicians to refuse treatment which with my illness will mean death.

Remember that this company has forced me into a very serious position but my bills are continuing to accumulate, causing and forcing me into poverty by applying for indigent care. I have a very good oncologist, who I respect, as he is treating me in spite of my insurance but the procedures are not covered. I still have a hard time knowing that I cannot go to many hospitals or other medical centers due to my health insurance. One large clinic told me that they had never heard of United American Insurance and I would need to pay up front. Do not buy United American!

I had blood work done and a cat scan done. On the scan they only paid $300.00 out of $2303.00. Nothing much on the blood work which was $400.00. Another $612.00 and another $408.00. I have had this insurance since 2006, hardly ever used it till this year. When I called them it was always "that's not covered under this policy". That's not what I was told when it was sold to me.

They are worthless. Don't buy this insurance, I think we do need to report them and file a lawsuit against this company. They owe us some serious money back. We paid all that money and for what? To be told it doesn't cover that. I am very upset.

I am about 60,000 in debt because I went to the doctor after I hurt myself and I was paying $300 a month for it. I have judgements against me, my doctor just fired me, because I owe over $6000. Doctor and I both thought I had insurance. As soon as it all became clear that they were not going to cover anymore of anything we had already racked up this grand total. What do I tell the good doctor?

Aparantly from what UAI told me on the phone is that I would have to see a doctor three times for one condition in order for them to pay. Then they would pay the percentage up tp $160. I never went to one doctor or hospital that ever heard of them. Should have googled them first.

Kenny asked if he could give us better coverage. We told him we had insurance with Mid-West. I told him we would only be interested in major medical because we are self employed.He said his insurance pays 80% and it was a ppo. My husband had a heart attack resently,the hosital said our insurance coverage was a JOKE! The hosital bill was just under $90,000 United paid a CAP! $7000.00 and a CAP of $2000.00 to the doctor!(NO one mentioned a CAP!!! We can't get a viable healh insurance for my husband without clauses omitting his heart. And who has that kind of money when ins. should have paid 80%. My husband requires more stints and we can't afford to get him that surgery now. He will die, thanks to United American and their representatives.

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!

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

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!

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.

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.

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.

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.

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.

Refusal to pay for a routine $800.00 thyroid test. Hospital wants to settle at a lower amount ($550.56) by 7/19/09.

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. The hospital and I are currently fighting with United American about this. If United American does not pay the rest of the benefit amount as my policy and their letter state they are obligated to pay, I will have to pay it.

I thought I had the coverage I needed, until I had to go to the emergency room. Mr. ** misrepresented his self and what benefits 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 and 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, and she suggested to work out a payment plan with the hospital.

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.

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.

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.

united American general agent Michael L, instructed by my wife miriam l, came to our house on 9/15/05 to sign her up for medicare supplemental insurance. My wife miriam is disabled and Medicare recommended this insurance company. Mr. L signed her up and questioned me about my healthinsurance. He said he could lower the monthly rates for health insurance if I would sign with his company. He explained all of the great benefits of this health insurance,"the best health insurance" for self employed like myself.

We carefully listened at him,and understood that this health insurance would be a good thing to have, that way we would both have the same health insurance. He signed me in, awaiting tests from a physical and I cancelled my other health insurance and started paying premiums of 280.00 a month. On 6-09-07, I could not take a sngle breath, without feeling that my lungs were going to collapse, I could not walk and my sick wife miriam told me to call the hospital. I called united american 0n 6-11-07 because the breathing was just not there! I asked them what hospital to go and they said Charlotte Regional (the only one in this small city). In the emergency room, after several diagnostic testing a Blood Clot was found on my lung, and was not letting blood flow to my heart. I was immediately admitted.

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.

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

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.

In April, I went with United American Insurance. I wrote them a check for $148.??. I asked if this would be the amount that would come out at the end of each month. The lady told me yes. They held my check for about three weeks. Then about a week after they sent my check through they sent me a check for $14.00. Saying that it wasn't compatable with some other insurance I got. Meaning that my charge at the end of each month should have dropped. They started taking what ever they wanted at anytime that they wanted.

My sales lady said that she would get it fixed. It was not fixed. She told me that they were with this other company now incharge of the billing, and they could start sending me a bill rather than taking it from my account each month. I told her lets change it then. In May UAI took a total of $13 and some change. In June they took from my account $31 and some change. In July UAI took from my account $173.92.

In August UAI took from my account $133.00. They finally start send ing the paper billing. On two payments that added closes to $133.00, I wrote paid, took from my account. Now here it is September and they are saying that I owe them $111.00 for August. They never really took the money from my account. But the bank statement says they did. They say that my account was short and was unable to withdraw it.

I am a person that lives check to check like half of all Americans. I sit down every month and say this check will pay these bills. When you have someone interferring with this, we have a problem. That leaves me late paying other things that I need for living, like H2O, electric, etc... I now I have money that is missing from my account. UAI does not have ( so they say), and nor do I. Now to me that means they are stealing money from people that trusted them. No wonder they have in business for so long. They love stealing from other people who needed something for themselves and the people they love.

We purchased a policy that paid 80% of hospital bills if you were admitted. The last time my husband was in the haspital they paid only 5%. They gave no explanation why they only paid that amount when I called them. One of their Unit Managers from Bentonville AR Judi C. told us she had the same plan and it should of paid all but 20%. We haven't heard from them since. By them not paying the hospital or the doctors my husband has been turned over to collections. He doesn't have insurance and can't afford it at all. They have ruined his credit because of not paying,

I had graduated from college and I posted a resume on a popular web site. I was contacted by Uninted American for an interview. I was told of how bright my future would be with the company. I was ask to obtain my life and health insurance agent license in West Virginia. I was told that I would be reimbursed when I passed both state test. After I took the class and tests I was informed that I had passed with flying colors. I ask to be reimbursed. I was told that I would be when I had some sales. I did their brief taining and was sent to sell insurance with a man who had warrants for his arrest. I did not know that. He (Charlie proceeded to tell me endless untruths to sell insurance.

I got my first sale on my own and he took half my commision as my trainer. It was sad because he was not there. I had serious questions about the ethics of this company. One day during a sales meeting my trainer told deliberate lies in order to attain the sell. He staernly corrected me that I was wrong. I was supposed to be paid after a sale was submitted and I was for about a week. I had not been reimbursed for the trainning I had paid for yet. The lies started when I refused to ride with my trainer a very foul man. I was told that I had to ride with him. I would not. My future commisin s were to be given to me on my monthly renewal check. I was all right with this at first. When it came time to pick up my check I was told that it was not filed in time so I got nothing.

I was furious and I went to ask the boss about it and he said that I would get it all the next month. I sold insurance in an ethical manner for the next month and one day before I was to get my renewal check for two months I was fired for being what was called negative. I wanted my pay, that made me negative. I came in on payday to get my last check I thought. I was told that I was not entilte to the check because I did not represent the company any more.In essence Iwas robbed and was now down somewhere around $5000 for having worked at United american.

The man in charge Marion P has done this to hundreds if not thousands of agents and gets away with it. I complained to the insurance commisioner and nothing was done. To add further insult to this I was sent an I9 that said I was payed roughly $2000 dolars while working there. I was responsible for the tax on that money, even though roughly 1400 of the dollars were never given to me. I complained to the IRS to no avail. This company in the very definition of unethical. They train their people to lie as they train others but the new agents may not know that they are lying. I did not know that I was guilty of misrepresenting products until I really studied the policies. I would like to apologize for hurting anyone that I may have hurt while working for that unethical company. I also got hurt by them and it makes me wonder if they are willing to traet an agent that earns them money like that how will they treat their customers????????

They paid what my contract said, as far as I can tell. The problem is, that when you buy health insurance, you only know what is in your contract. You are also buying into the contract between the insurer, and the provider. In cheaper policies, those contracts are weaker, or non-existant. The provider can, and will,deny the most important insurance benefit of all. That is the negotiated rate.

When you buy insurance, you have no legal right to know beforehand what, if any, negotiated discount you will receive. The insurance pays what it pays, and you own the rest. Even if the insurance doesn't pay a dime, the biggest benefit is the discount, if it exists. If there is no negotiated rate, the hospital will give you a 10% discount, just to prevent you from applying for charity care.

Providers are now starting to say that any line item on the bill for which there is no payment, is not part of the insurance contract. Therefore, they can deny a negotiated discount, even if it is in the contract, because the contract between you, and the insurer denies payment. Providers are as guilty as insurers for this mess. Providers will try to treat each line in the bill as a separate contract for the purposes of denying a discount. But they want the bill taken as a whole in denying charity care.

My gross hospital bill was 7500. I sent my UB92 ( which the patient has a legal right to demand) Hospitalvictims.org told me that Medicare would have payed 3960. A large insurer would have payed about 4600. The hospital gave me a 10% discount, to prevent charity care. They offered me another 561 discount, to pay in full, in 10 days. I payed 2200. That is about 1600 more than if I had Blue Cross. This is a small bill, but I may need a major surgery soon. These principles will apply. My bill will be 2 to 3 times higher than the provider accepts from medicare. And my limited insurance won't pay much.

Met with two sales reps from United American Insurance Company, explained to them that I was looking to obtain health insurance, due to college required that I have health coverage to participate in culanary arts program. I was lead to believe that I was purchasing a health insurance policy, however after 60 days and paying two months insurance premiums I received my insurance card which clearly indicated on the card, that THIS IS NOT INSURANCE.

Turns out what I am paying for is a discount program, which is not acceptable health insurance coverage by FCCJ requirments. I have now paid for three months for a policy that is absolutely not wanted I asked for or needed. I have sent a written request for cancellation, but am concerned about the misrepresentation made to me by the two sales reps.

Loss of three months premimums at $133.95 each month, unable to participate in elected college program because of lack of health insurance.

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.

I have been paying them almost $400.00 a month for what I thought was Heatlh Insurance. I find out after going into the hospital unexpectedly that they do not cover appt, scripts, or er visits or over night stay at the hospital. This is a scam I now have a 11,000 hospital bill not to mention Labs and XRAYS are billed seperate, etc.... I am furious, I called yesterday the number they provided and the C/S Rep starting laughing and then says to me oh well it's not my problem. I think with enough complaints from everyone against this company we can get together and file a class action lawsuit. I come froma family of lawyers and will be contacting the states attorney office today via this company.

As a result I now have to find out how I can pay $11,000.00 in medical bills I was told I was insured for!

We purchased a major medical hospital policy to cover the expense of being hospitalized. I had mentioned a Blue Cross & Blue Shield policy I was looking into for a lesser amount. I was told this policy, though a few dollars more, would be better in the long run because the hospital could not charge us over and above the amount the insurance company would cover.

After being hospitalized we found out that United American Insurance tops out at $8,000.00 per occurrence. My husband had bilateral total knee replacement surgery and minor complications arising from the surgery. We are still 3-4 days from being able to leave the hospital and our bill is over $120,000.00!!! My major medical insurance plan is paying a total of $8,000.00. What a joke. I was very explicit in my request that we needed a policy to cover hospitalization so we wouldn't have to mortgage our home -- guess I wasn't clear enough. Buyer beware. United American Insurance is NOT what they claim.

we bought what we thought was health insurance,..they took payments every month,,,,,but when we had a claim,,they never paid claims,,the agent Jerry had every excuse ,,I found him to be no help...he was full of promises when we signed

I am setting up payments to hospital to get this paid

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!

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.

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.

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.

health insurance 5/06 claim that only $300.00 can be payed for out patient services.I went for a MRI and they wouldnot pay because its out patient services. Then I stared getting bill from the Doctor, the physical therapy department that they had not payed all that was due. I had to cancel what did I need them for 5/07

Now I have bills for doctor visits and therapy and MRI, and cannot afford to go to a doctor. I have back and leg pain and cannot go to a doctor.

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.

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.

Doctors bills totaling over $6,000.00 Of which, United American Insurance paid almost $300.00. This place is the biggest scam.

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.

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.

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.

We now have a $4000 hospital bill that we have to pay.

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.

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.

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.

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.

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!

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!!

I am only informing you that a agent came to my work and home showing me insurance (health) and I got busy at work so he said he would come by my home today at 4:30 pm. Well he did and I asked him the name of the company because I am shopping for insurance and if I don't recognize the company I will call my doctor and hospital to check and see if it's good. Well he didn't want to tell me the name of the company and all he wanted was a check.

When I told him about checking and I wasn't going to give him a check just like that he turned into a different person. He slammed his binder together and couldn't get out of the house fast enough. He wouldn't even tell me his name. This made me think he was a fraud. I called the sherriff and gave them the information what little I had. He was and elderly man with grey hair and with an accent like Texas or something, clean shaven. And he even mentioned Texas. He drove a car like a grand marquis, brownish gold. New. But it was really weird the way he acted. I saw on his papers something about United American is why I am emailing you. I just thought you should know!

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.