United American Insurance

I have had insurance with United American since 2007. Fortunately for me, I have been relatively healthy and not had to file claims. Unfortunately, I needed surgery last summer to repair a torn rotator cuff. With about $20,000 in bills, UA is leaving me with over $16,000 to pay. I have made multiple calls and written letters without much help or even a satisfactory explanation. Their policy is worthless. I would owe less if I had negotiated a self pay cost. Stay away from UA!

This place is horrible!!! Please don't feel like you're desperate enough to give this crap hole one penny of your hard-earned income!!! I am soooooo thankful I have "real" health insurance now... so literally not that much more per month. I have a family history of breast cancer... I now owe a collection agency over 3 thousand dollars because of a series of tests. Please read the very tiny fine print before signing anything for this insurance company!!! They cover NOTHING. They don't even deserve one star.

Please read the small print before you buy. The price might be within your price range, but may not cover you in case of a claim. Customer service should be another concern if you are looking at coverage with this company.

When I signed up for this plan through an agent, I was told I had to have the payments deducted automatically from my bank account. After a year I switched to a Medicare advantage plan, having been told by Medicare that enrolling in a new plan meant being taken off the old one. I was shocked to find, in my Jan bank statement, that United American deducted payment for January ($309). I called them the next day and finally spoke to someone after a 45 minute wait! I told them I was on another policy and demanded a refund. Fortunately, I called my bank and told them not to allow any more deductions. The next week I received a bill from United American - for February.

I have had a life insurance policy on my mom for 13.5 years with United American. While waiting for the death certificate for my mom to be issued, I called United American Insurance to find out what they needed from me. I was told @ that time that it takes approximately 15 days to process a death benefit claim. I sent the requested documents on 10-18 via PRIORITY mail. I was under the misguided notion when your client sends something to you Priority it goes to the top of the pile. I got over that. I called to check the status of my claim on 11-04 & spoke to Ebony. She told me that claims take up to 3 wks to process but that she would check the status & return my call. She did not. I called her back, that is when I found that my documents were 'received' 10-24.

Reading these horror stories made me realize just how lucky I was. I was scammed out of $30,000 in premiums from 2010 through 2013 and learned when I had back trouble that their policy was totally worthless. When Obamacare came in in 2014 I quickly dumped these crooks and bought a Blue Cross Gold Policy. The next year I turned 65 and bought a Blue Cross Blue Shield Medicare Advantage Policy. Just last month I was hospitalized 7 days for pneumonia. My Medicare Advantage Plan has a yearly out of pocket cost limit of $3500. I shudder to think what I would have owed had this happened just 3 years before. UA are nothing but thieving crooks.

I needed pain medication for surgery and post surgical. This company denied coverage as medically not necessary. Both my surgeon and my regular doctor appealed as I was in great pain from lumbar surgery. They called with a ridiculous password ID system while I was on my recovery bed in great pain. When I finally got the info they needed their message was they were declining my appeals as the RX for pain medication they claimed was not necessary and not covered.

I recently had to change drug plans so I contacted Medicare and the representative helped me find a comparable nationwide plan which would cover my medications in all states. Well I get a letter stating that I should find a replacement medication for the medicine ** XR Caps. I am aware that this medication is usually prescribed to children and/or with ADD/ADHD. I have Multiple Sclerosis and my one debilitating symptom is fatigue. I have already tried several other drugs to combat this symptom and many were antidepressants that made me so sleepy that I would sleep the day away or I looked like a doped up zombie. I also tried ** and it worked until it messed up my stomach so bad, my doctor discontinued it for me. It didn't make sense that it did nothing for the fatigue except to say, I could not sleep when I needed to.

I have had insurance through United American since 2008 which means that I have paid them at least $15,000. I have never had any major surgeries until April and May 2015. The one surgery alone costs $20,765 and it shows that United American will only pay $3000. In my opinion, that is definitely a rip off considering how long I have been with this company and the amount that I have paid. I will definitely be looking for a new insurance company. It's pretty sad that there are so many bad reviews and this place is still in business.

My wife has not yet received the check. Been over two months and is getting nowhere with the people she calls.

2013 - signed up with UA for 2014 Part D. All was fine. Fall 2104 signed up for a new UA plan. Trusted UA to coordinate with Social Security to deduct from my SS check and pay UA. Failed to happen. I paid Jan and Feb. out of pocket. Learned today (4/28/15) that SS had paid then took money back from UA for those two months. I kept getting reassurance from US/customer service that SS would pick up payments, not to worry, but then would receive letters of non-payment. UA was unclear from the get-go about the process and failed to help get things squared with SS. I was just told by their Resolution specialist that I owe them for an unpaid month. The saga with UA is time consuming and totally inefficient. Did SS fail or UA? UA claims that they have no responsibility to resolve issues with SS and specifically to demand payment. I have not had any previous problems with SS. I will change insurers this coming Fall.

I purchased their Medigap insurance policy. After purchasing, I was informed that it would cost an additional $6.95 to have them do the "crossover" with Medicare or I would have to file all claims myself. I have had Medigap insurance for many years and this is the first time I was charged to have the claims processed. I'll be leaving United American as soon as I can. Real rip off artists. They should be ashamed of themselves.

Signed up after going over costs, formulary etc. Was denied a medication that I had been getting for over 10 years. Called customer service (45 minutes on hold) and was told that it was taken care of and the medication was approved. This turned out to be a lie. What followed was a barrage of robo calls from UA that required an input of Medicare #, AU account #, and date of birth.

In October I signed up for Medicare part D. After a in-depth review of the formulary drugs covered on each plan the government website stated that United American Prescription would be the best choice. I enrolled and thus far every script I have had filled has resulted in a formal letter stating that drug which is generic is no longer on the formulary list. More recently, I was informed by my pharmacy that I did not have any prescription coverage. After again contacting the company I was told that I was given new group and bin numbers. It had changed names to CVS /Caremark. This seems illegal and I do not know how formulary drugs can be removed monthly from the list.

Rx Problem 1: I switched my Part D coverage from Blue Shield to United America as of 1/1/15 based on premium and drugs costs on the medicare.gov website. One of my drugs was listed as $3 for a 30 day supply at a local retail pharmacy with United American. This is what I paid under my previous plan. When I picked up the Rx, the cost was $24.51. When I accessed the website of UA, the drug was listed as $24.51, not $3. I was told by my pharmacy to clarify this directly with UA. I have placed a call to them and I have now been on hold for 45 minutes.

I have tried to get information about policy benefits that were not addressed in the booklet. Four times I have waited on the telephone line for over half an hour and get nothing except that monotonous message saying I will be helped momentarily. Is there really people working at the end of these phone lines? Such poor service if you need a question answered. Can't wait to switch! I also want to question the premium taken out of the bank account, which is much higher than what the online chart says it should be. Sure would like some help with these questions.

Gave them my drug list and they said they covered them. They took out their monthly fee and when I went to get my prescriptions, SURPRISE. "We don't cover that." Claimed it was a new policy even though I had just joined days prior. Then when I want to cancel it, get the run-around. "We have to mail you a form" which takes a week for me to get. Then I fax it back and a week later, they call and say it is unreadable. Fax again and told it takes 3 days to receive a fax. Call back 3 days later and, "we can't find it." Ask to speak to someone in charge. Well only 1 person in that department can help me, they are not in and have no boss. No direct # to that department and I can't be transferred. They are a scam!!!!

They took extra money $4.00 a month out of my checking account. When I got this life insurance policy it was supposed to be for $5,000. When I received the policy it was for $3500. I should have realized it was a bad deal then. This bunch of legal thieves out to be in jail. DON'T USE THIS CO. They will get you.

They promised no donut hole gap in 2014 when they raised the prices last year. Boy did they lie. Spiriva went from $35 in March to $140 in April And Percoset went from $12 to $80 in one month. Try to talk to them is Insane.

Does the term Bait and Switch mean anything to you? Remember Jim Carrey In Liar Liar? Is it a training issue, is it a scripting issue? If an anal, cranial-ectomy was possible I would schedule one for the entire executive board and senior management team of this company. How can you do so much wrong to so many good people. SHAME ON YOU AND YOUR CEO. Its time for a customer satisfaction survey and ask for real feedback on your opportunities for improvement. Make sure it's postage paid. You are raping and pillaging your customer base. They will not be able to afford the stamp to return it to you. Listen to your customers before the population learns how you operate and the downsizing of your company begins and you are bought out by a private equity group who will break you up and sell you off like crickets for snakes.

I'm reading the same type of complaints about United American over and over. I have had the same problem in getting for one of my providers. The tactics that United American uses to delay payment are repetitive. Always asking for either different paperwork, or resubmission of the paperwork that has already been submitted. They illegally cancelled my Medigap policy last year. My written contract gives two ways that my policy can be cancelled, either by non-payment of the premium or by a WRITTEN notice from me. When I realized that I hadn't received my monthly bill, I called only to be told that I had cancelled my policy.

There was a very nice lady that helped when I signed up. Now that I have a question I called that same number, it was the enrollment group only. I asked her for the number of the area to call for a new card and prices on medications. She spent several minutes looking for all the numbers, she gave me the number for Medicare as she has no way to guide members if they call that number. What a poor impression they create by not having a number to reach someone, even the message machine did not say the name of the company, they assumed I had a 3-digit extension number. I am writing this up for their benefit, pull yourself together. You're on Eastern Time, we on the West Coast are not, do you think you could afford to keep some staff later for the PST. People, provide your sellers with enough data to make your company sound creditable.

My mom passed away in March 2013. She had paid her insurance premium since 1964 and when I filed a claim to pay for her funeral, United Insurance Company of America sent me death claim claimant's statement. I filled out the death claim and sent it back to them and they keep sending me the same death claim paperwork to fill out again. I have called them several times and each person tells me something different. And they refused to pay. My mom had paid her insurance premium for fifty years and they have given us the runaround. I would never use this company.

My dad paid premiums to United American for 23 years and happened to spend his final 38 days in a long term care facility. They filed a claim for benefits. When nothing was paid, my mother followed up with United American who said they had never received the claim. She went to the Long Term Care facility, got a copy of the claim and all attendant documents, and mailed them certified to United American.

When I was looking for a new health insurance policy, their lying salesman kept contacting me and finally convinced me to sign up for it. I should have read the fine print, I know. For the past three years, I've paid them $30,000 in premiums. I finally had the occasion to use it for a series of steroid injections for herniated disks in the lower back. That's when I found out that this policy is essentially worthless. They don't pay squat for anything! A measly $25 on an anaesthetist's bill of $600, and they pay a fraction of the costs for tests. My back doctor said the course of treatment involves three shots, but they will only pay for one "surgical procedure" for the same condition. These people should not be allowed to sell insurance. Avoid them like the plague...Total ripoff!

I spoke with a young lady over a year ago and told her to quit drafting my bank account for the premiums because I had lost the policy, and had no use for it. Guess what? You keep drafting it. Will you not listen? How do I get you to stop it? Can I get the money - any of my money back?

This company has an automated telephone caller. They call me daily about Medigap insurance, and I am 48 years old! You would think they would be more careful about the DNC list.

Medicare Gap Insurance - I made application through an agent. He directed me into UA and my wife to AARP. Checks were written to cover both. She got her insurance and I got not one, but two runaround way after the open enrollment period that my insurance was declined due to a quality control interview was not done. Reason: They could not reach me. My phone has a list a mile long with all incoming calls. They did not call. I called them and did the interview as required. As of today, I still do not have coverage and the letter states that no refund is due. Two days later, I got a letter from part D saying that things changed and some of my drugs are not on their list, and I should make other arrangements to get them. Yes, I pay for this as well. What a ripoff.

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.

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?