United American Insurance

3700 S. Stonebridge Drive, Dallas, TX

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Tory of Wichita, KS September 30, 2008

Tory of Wichita KS (09/30/08)
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 of Grand Prairie, TX May 3, 2008

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 January 13, 2008

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 November 23, 2007

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 October 22, 2007

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.

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