United American Insurance Company Reviews

3700 S. Stonebridge Drive, Dallas, TX

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About United American Insurance Company

United American Insurance Company was founded in 1947 on four core values: stability, service, quality and commitment. Today, United American Insurance Company offers life insurance, cancer and critical illness insurance and Medicare Supplement Insurance policies. The premiums for its whole life policies never increase. The company works with local and home office agents to sell policies. Globe Life Insurance Company of New York, along with United American, operates as a wholly-owned subsidiary of Globe Life Inc., with both divisions primarily focused on the sale of Medicare supplement policies.

Pros
  • Nationwide coverage
  • Strong critical illness policy
  • Several Medicare supplement choices
Cons
  • Limited selection of policies
  • No live, online support

Helpful Reviews

Venice, FL
Verified purchase
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 supplemen...

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Usk, WA
Verified purchase
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...

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What is United American?

United American is a nationwide insurance company that offers Medicare Supplement Insurance, life insurance and supplemental cancer, accident and critical illness policies. Because its Medicare Supplement Insurance is accepted by all providers who take Medicare, it has no provider network. Policyholders can use United American in any state.

United American offers guaranteed renewal for Medicare supplemental policies as long as you pay the monthly premium on time. Its accident policy provides either a lump-sum payment or hospital stay coverage for up to 25 weeks. Its cancer and critical illness policies feature a lump sum for medical expenses at the patient’s discretion. Its critical illness policy is a good option for those with a personal or family history of major illness.

How does United American work?

United American offers insurance to groups and individuals in all 50 states and Washington, D.C. Its local agents work with customers to select appropriate and affordable coverage. It offers individual Medicare Supplement Insurance, life insurance and supplemental policies for cancer, accident or critical illness, as well as group retiree health policies for employees and unions.

The company offers Medicare supplement policies A, B, D, G, K, L, N, C and F, but plans C and F are available only to those eligible for Medicare prior to 2020.

United American rates

United American’s supplemental Medicare policy costs vary from state to state and according to individual factors (e.g., gender and age). While you can request a customized rate, in general, monthly costs range from $80 to $200. Plans with copays or high deductibles have lower monthly premiums than other comprehensive plans.

United American Insurance FAQ

Where is United American available?

United American is available in all 50 states and Washington, D.C. Its Medicare coverage is accepted nationwide by all doctors who take Medicare.

Globe Life Insurance Company of New York, along with United American, operates as a wholly-owned subsidiary of Globe Life Inc. United American is not based in New York it is not licensed to write policies there. It is common for insurance companies to have separate New York divisions because of the state's insurance regulations requiring companies to maintain a distinct entity within the state to comply with local laws and oversight from the New York Department of Financial Services (DFS).

What kinds of insurance does United American offer?

United American offers Medicare Supplement Insurance, life insurance and cancer, accident and critical illness insurance.

Who owns United American?

Globe Life Inc., a publicly traded insurance holding company, owns United American Insurance.

How do I apply for Medicare with United American?

You can apply for Medicare with United American Insurance through a local insurance agent. To request a consultation with an agent, visit the company's website.

Still have questions?

Is United American Insurance worth it?

United American provides a variety of insurance policies at several price points. If you’re looking to buy Medicare Supplement Insurance, you’ll probably find coverage that fits your needs and your budget with United American. For those who wish to purchase more than one type of policy, such as a Medicare supplemental policy and life insurance, United American offers fewer options than other companies.

United American Insurance Company Reviews

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    How do I know I can trust these reviews about United American Insurance Company?
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    Page 1 Reviews 0 - 5
    Verified purchase
    Customer ServiceCoveragePriceRefunds & PayoutsBillingRates

    Reviewed May 19, 2026

    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.

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    United American Insurance Company
    Response from United American Insurance Company

    Sandra,

    Thank you for your kind words about United American Insurance Company. If you have any additional questions about your policy rates, we'd love to speak with you. Phone us at 1-800-331-2512 anytime.

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      Verified purchase
      Customer ServiceCoverageStaffBilling

      Reviewed May 7, 2026

      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.

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      United American Insurance Company
      Response from United American Insurance Company

      We're so happy to hear that your United American experience has been seamless! Thank you for your loyalty to United American Insurance Company.

      Verified purchase
      CoveragePriceStaffRates

      Reviewed May 4, 2026

      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.

      I have a supplemental plan with United American that wraps around my Medicare. With my current plan, if Medicare covers something, United American also covers any deductible or co-pays, which has been very helpful. If Medicare doesn’t cover it, then I’m generally on my own, but usually if it’s not covered, I don’t proceed with it anyway because of the cost of living and being on Social Security. I did something for my wife earlier this year that wasn’t covered because it was cosmetic. United American has been very good overall. I receive statements every month and I go through them carefully, along with my Medicare statements, to make sure there's nothing on there that I don't know about. I’m very conscious about financial matters from my background as a former CFO of a small cruise line.

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      United American Insurance Company
      Response from United American Insurance Company

      Edward, thank you for your detailed review about your experience with United American Insurance Company. We're glad to hear you're satisfied with your coverage. We will pass your comments about premiums to our team. Thank you for your feedback!

      Verified purchase
      Customer ServiceCoverageStaffRates

      Reviewed April 9, 2026

      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.

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      United American Insurance Company
      Response from United American Insurance Company

      John, we passed your feedback about premium increases along to our team. Thank you for taking the time to give us feedback about your experience, and for your kind rating. We look forward to serving you in the future and we appreciate you choosing United American.

      Verified purchase
      Customer ServiceCoverageFollow-Through

      Reviewed March 1, 2026

      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.

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      United American Insurance Company
      Response from United American Insurance Company

      We are so glad to hear that you have experienced good coverage and excellent customer service. That is truly what we strive for at United American Insurance. We hope you'll connect with us if we can serve you in any way at eservicecenter@unitedamerican.com. Thank you so much for your review.

      Verified purchase
      Customer ServiceCoverageStaffFollow-Through

      Reviewed May 24, 2026

      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.

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      United American Insurance Company
      Response from United American Insurance Company

      Leo, we're so gratified to hear that you're pleased with your coverage! Thank you for your kind words, and we are always here to assist with anything you might need.

      Verified purchase
      Customer ServiceCoverage

      Reviewed May 11, 2026

      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.

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      United American Insurance Company
      Response from United American Insurance Company

      Richard, we appreciate your feedback about your experience with United American. Your satisfaction is very important to us. Thank you for your kind words, and we will forward your thoughts about the annuity to the proper department.

      Verified purchase
      CoverageStaff

      Reviewed May 10, 2026

      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.

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      United American Insurance Company
      Response from United American Insurance Company

      Thank you for taking the time to leave us a review. We love hearing that our customers find our process simple. Thank you for choosing United American Insurance!

      Verified purchase
      Coverage

      Reviewed May 9, 2026

      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.

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      United American Insurance Company
      Response from United American Insurance Company

      Ruth, thank you for taking the time to review United American Insurance. Your feedback matters to us. We're delighted to hear that you are a satisfied policyholder! Thank you for trusting United American with your supplemental insurance needs.

      Verified purchase
      Customer ServiceStaff

      Reviewed May 8, 2026

      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.

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      United American Insurance Company
      Response from United American Insurance Company

      We're so grateful for your loyalty to United American! Thank you for taking the time to leave a review.

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      United American Insurance Company Company Information

      Social media:
      Company Name:
      United American Insurance Company
      Address:
      3700 S. Stonebridge Drive
      City:
      McKinney
      State/Province:
      TX
      Postal Code:
      75070
      Country:
      United States
      Website:
      www2.unitedamerican.com