United American Insurance Company Reviews

I have Medicare as my primary provider, and then United American as my supplement. Barbara, the agent, shopped around for different companies, and because I'm under 65, United American was the only gig in town. But it's been great. I haven't had any issues with them. With my prior insurance, I was a grandfathered employee, so I didn't pay anything. I didn't pay deductibles. I went to the doctor, and it was paid for. But with United American, they pay the remaining 20% or whatever Medicare doesn't cover. So, for United American's part of the insurance and how it works, it's been wonderful. Medicare is a different story.

I went to a broker and after talking with him for a little bit and looking at the prices, I decided to go with United American. And I've been happy with them. I've filed claims and it's not a problem. They pay for everything when I'm in the hospital. I was in the hospital a year ago and never got a bill. I got the EOB, but I never got a bill from them. I'm in the hospital right now and I don't worry that they're going to cover me. The rate has only gone up one time since I've had the policy, which is at least six years.

Ernie's mom had United American Insurance. She was at the senior citizen’s thing, and a good representative came there, so she changed over, as did many people in our little town. That was a number of years ago. When Ernie became a senior, we chose to try United American. This past February, when it was time for mine to come up, we wanted to go with United American. Our experience with United American has been very positive. We haven't looked further, and United American has been saving me over what I had to pay with Gerber Life, and they got out of the business. The supplement that we have is Plan F. If Medicare pays, United American pays the charges that are agreed upon. We don't have out-of-pocket costs because we chose the best plan. Look at the rates and see, but my experience has been excellent. I'm sure Ernie feels the same way.

We're very happy with United American. Our broker recommended it when we signed up for Medicare. The customer service has been very good. If I have any kind of issue, I call and I can get an answer. My husband has been going through a lot of medical procedures and United American has been there and has worked with us on everything. And I tell doctors, if we get a bill, someone made a mistake. Our experience with United American has been fabulous. We're very satisfied and we recommend them to everybody we know who’s a senior because we don't ever get bills. They have never questioned anything and it's what insurance should be. With Medicare making cutbacks, our premium increased but it's manageable.

I've been with United American for a lot of years now. It was recommended by a woman who we use as a consultant for our insurance policies, health plans, prescription plans and dental plans. She helped with the application process. I've spoken to other insurance companies, but nothing would make me leave United American. Probably my biggest discontent is how, each year, the premium goes up. The coverage with United American is getting more and more expensive, and I'm paying over $500 a month now for my coverage. I understand that I've had a lot of things going on with me medically, and costs are going up for them too. So, I understand why prices are going up. It's just I wish it was not as drastic as it's been.

My wife had United American. So I enrolled with them as well and the process was simple. I enrolled, and I was accepted. The coverage limits my liability. The biggest benefit is to have a supplemental insurance coverage, exactly what I applied for. It's an excellent insurance, and we're very pleased with it. They have excellent response and coverage.

Filing claims is usually done by the nurses in the office. I haven't had to come out of pocket.

United American is great insurance. It's a well-run company. Medicare has a very big fraud problem because they pay out without asking me whether my claim is a true charge. On the other hand, United is much better at it. They review it. And if not, they ask me if it was a real charge. They do not pay out all these fraud payments, and that's important. That's the thing that I like most about United. And they pay whatever needs to be paid. I would recommend them to a friend.

I have a supplemental Medicare through United American for four years now. My insurance broker felt it was the best company for me and they handled most of the application process, so it was easy. However, I don't like that they raised the rates again in June ‘cause they raised the rates in my anniversary date. That's ridiculous. Also, their website is frustrating to use.

Our experience with United American has been good. The application process was simple. It was easy to do. They pretty much did most of the work for us. We've been happy with the claims we've had with them as well. They’ve been right on top of stuff, paying stuff, and I've had no problems with them.

I've been a United American Insurance customer for almost 20 years. Going with them was a friend’s suggestion. I purchased a supplemental insurance. The price could always be less. But my experience has been very good.

I have supplemental coverage from United American for my Medicare coverage. The application process was very acceptable. I've been with them for about six years now, and I have no problems with them.

My insurance adjuster helped me choose United American and I’ve been with them since October. I have the Plan B insurance and the coverage and policy has been good. I'm covered on everything and it's been amazing. The customer service rep followed through.

I had gone to several seminars through Medicare and they gave me different options and a price list of all the companies. I went with United American based on the price and as soon as I was eligible for Medicare. This was seven years ago and the application process was easy. United American covered all my bills but I need to look for something else because I can't afford Medicare with the supplements anymore. From what I hear from other people, what they pay is cheaper.

I have had medical insurance through United American for about six years now and the customer service has been good. I would recommend them.

I've been with United American Insurance for almost eight years. I purchased Plan H. I wish the annuity behind the coverage was available online. Other than that, the customer service is good.

I've been using United American for a long time. Initially, I worked with somebody who advises people on what insurance plans are best for them and the rep made the signup really easy, ‘cause she did everything. I got United American's supplemental plan and they've been good for me for 10 years. They're dependable and I've never had any problems with getting things paid.

We've had United American Insurance in place for a very long time. We've had to use it the last couple of months. Everything has been great. It's supplemental and all that has worked out well. I'm really glad we have that in place. They covered the part that isn't covered by Medicare.

An agent took care of my application with United American, and I’ve been with them so long that I can’t remember. The customer service has been fine. I would recommend United American.

Everything is going fine with United American and I would recommend it to a friend.

I’ll never give up United American. They have taken care of me 100% from the time that I got them until my appointment today. I walked in and there was no copay. I would recommend them.

We been paying on cancer policy for over 30 years. My husband has been diagnosed with cancer and contacted United American February 25th they said send paperwork and have two weeks. Called March 10th 11;29am said resend. (Never Got it.) So March 30 I faxed and sent mail that had be sign for with documents showing his cancer. It’s May 3. Still have not heard nothing. I spoke with attorney. I have all our bank statements showing we paid all these 30 years and I have documented every time we called. I paid extra when sent so had sign for and fax shows they got it. They have been doing nothing but giving us runaround and lied 3 times saying mailed paperwork. They are not reliable company. They give lots runaround and lie.

I am disappointed with United American. I switched my medigap insurance to them on January 1, 2026 seeking lower premiums from them vs. Florida Blue. After telling me their rates rarely change, they increased my premium by $50 monthly three months later. They also double charged me for my initial January premium when I switched from paying by check to bank draft payment. I have been dealing with customer service on this for 3 months now, with no resolution yet.

I’m happy with United American. They are responsive every time I need something. I usually go through the medical provider to file claims. I've been with United American for about 20 years and my experience has been positive.

Only certain companies provided certain stuff when we were doing this years ago. United American Insurance was the one that had the plan that I needed. They have never refused to pay. However, I'm becoming less satisfied because they continue to raise the rates every year. My agent called and said they're going up, and they sent a letter saying it's going up, and it did. They no longer provide the plan that I have. If I get out of the plan, I can't get it back again. It's a far better plan than any of the current ones United American has. It's as if they're forcing me out of that plan so they don't have to support it anymore. They're trying to force people out of that to move into the different plans. More rate increase and I'll be gone.

I have my insurance through United American and I also have an annuity situation. My problem is they're separate. I receive regular statements and mailings from United American when I have a medical service that's provided, but I only get quarterly statements on my annuity. If I want to know what my annuity is at any given time, I have to call and it's an inconvenience, to say the least. There'll be moments when I've received a couple of mailings from them to tell me that I have to pay a provider and then I'm thinking, "Hmm, okay. Maybe the annuity has run low," and then I have to go through and call the annuity and check with them, and then they tell me yes or no or whatever. It's an inconvenience and I don't really understand why.

United American Insurance increased my premium $60 once, but I'm good with them. They give me good service. I had a couple of problems and they took care of it. I got Medicare as primary and I got United American as a supplement. As an insurance man, I felt comfortable choosing United.

I got my medical insurance through United American. The coverage is good. I had to file a claim and the process was all done through the facilities. Working with United American has been good.

This is an update from my original very negative March, 2026 review. I was surprised and delighted when the company reached out via email in response to my original review. After this initial email contact and my response to it, I received a call from a United American representative.

I am happy to report that my issues with United American are finally resolved, thanks to that wonderful United American representative, Deborah. She listened to my issues and understood my concerns. She worked with me and United American's Policy Services Department to arrange a payment schedule that works for both myself and the company. Things are back on track.

I've always said (and must repeat), if there are issues speak up. Contact the company and if that doesn't work, use other avenues that are open to you. I did so and am so very happy to have this issue resolved. Again, thank you Deborah and United American for hearing me and making things work.

I purchased a Medicare plan through United American Insurance and applying with them was relatively easy. They were reasonable and they covered what I needed to have covered. I've only had to call them two times in the five years that I've had them and I didn't have any trouble contacting them. They answered the questions that I needed answered. Their plans are readily accepted, at least, in all the local hospitals that I attend to right now, and that it's accepted in all medical facilities. So far, I really haven't had any major issues or problems, which is good. But other than that, they have followed through on whatever coverage it is that they're supposed to cover. So, I'm very appreciative of that.

United American Insurance's service has been satisfactory. I had Blue Cross of Michigan before and compared to them, I would rate United more favorably. I got a Medicare supplement plan from them and I'm somewhat dismayed at the continual increase in the monthly premiums. But overall, I would recommend them.

I have no doubt about the integrity of this underwriter BUT when it comes to Customer Service, I have noticed most are "working from home" (background noises) and quite frankly, not trained all that well to give all the answers. That means it's important to listen to what they're not saying fluently and/or hesitant to respond confidentially as an indication for potential misinformation. If you suspect that, it *really is helpful* to call more than once to make sure you're getting consistent answer from different persons.

I used to sell Medicare supplements. I sold my mother one under United American over 30 years ago, and I got the same one for myself when I became eligible. My mother is 95 years old now and I'm 70. United American's customer service has been pretty good, except for one situation where there was a premium with my mom that had an issue. Other than that, their price has been excellent and I would recommend them to friends and family members.

I was talking to a private insurance person who was going over all my options when I was getting a supplemental insurance and she went over the different aspects of it. My husband had had AARP United but I wasn't real happy with his. He had to have referrals. I work in the medical field and it's rough, and his deductibles were outrageous. It was the F plan.

Sad to have received another rate increase from United American. But the saddest part is that United did this well after the "Open Enrollment" period. This will result in difficulty in switching to Advantage plan should we choose. I can't help but feel this was a well calculated move.

I was referred by my brother-in-law and sister-in-law 10 years ago to United American. So far, my experience with them has been great. Communicating with them has been easy as well. I'm satisfied with United American.

I like United American. I got my supplemental policy from them. I live in a retirement home and we have social workers here that make recommendations on different policies depending upon what we need. When my husband was alive, he and the social worker recommended the policy that I have. They took care of the application process. So, it was very easy for me.

My experience with United American Insurance Company has been good in the past seven years I’ve been with them. They respond to the claims in a very timely manner and they're very responsive. I got a supplement that is fairly priced. It is a high deductible. It would be nice if it was lower.

United American is the best insurance. I've had it for 20 years now. Every time I've used it, they paid. Our experience with them has been perfect, so far.

United American had a better rate and they were recommended to me by an insurance broker as well. I signed up and it's been a pleasant experience so far. They do the job and pay the bills. I don't ever have a hassle with them and the medical providers never complain about them. I'd recommend them.