United American Insurance
3700 S. Stonebridge Drive, Dallas, TX
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About United American Insurance
United American Insurance was founded in 1947 on four core values: stability, service, quality and commitment. Today, United American Insurance 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.
Pros & Cons
- Nationwide coverage
- Strong critical illness policy
- Several Medicare supplement choices
- Limited selection of policies
- No online or live support
United American offers Medicare Supplement Insurance and has limited policy choices for other insurance types, including life insurance and supplemental cancer insurance. It's available all throughout the U.S.
Top United American Insurance Reviews
We’ve been happy with United American. Every time I take my mother somewhere, United American is accepted no matter where it is, and I don’t have to deal with referrals. Anything ...Read full review
I’ve been with United for about 30 years… They’re just a wonderful company and I will have them for the rest of my life. I love them. They take care of whatever if there’s any nee...Read full review
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.
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.
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 Reviews
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I've been with United American Insurance for lots of years and I just pay my bill every month. Once a year, I get a letter that they're increasing their rates, which I would prefer they didn't, but I can understand that it has to. A lot of my friends have HMOs but I like that with my insurance, I can go to whichever doctor I want. I've not had one doctor say they don't accept this insurance. Whatever Medicare paid, United American Insurance paid the other 20%. I am pleased with the service I'm getting, where everything is covered and the choices are mine. Others have to go for a second opinion but I don't. If I feel I need to see a special doctor, I can make an appointment and go. So, the flexibility is worth the money.
Anna, thank you for your feedback regarding your experience with United American! We appreciate you choosing UA for your supplemental health coverage, and we look forward to serving you again in the future.
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United American has been fantastic. We have had not one bit of trouble collecting or paying for anything at all. So, we're extremely happy. I've had a lot of illnesses so many times and when you had as much as I've had, you get canceled pretty quickly by other companies. But United have not questioned and they have been unbelievable. We are very fortunate to have gotten them. We pay quite a bit, but it's worth the cost. When I was very ill on sepsis and pancreatic stones, I was in the hospital for 15 days and they were no questions asked. In the last few years, I've had treatments for my breast cancer and there were no questions about that either.
Peggy, thank you for your feedback regarding your experience with United American! We hope and pray you are doing well and we appreciate you choosing UA for your supplemental health coverage. We look forward to serving you again in the future!
We've had very good luck with United American. We got it in 2001 and we have used it. My husband had open heart surgery quite a few years ago. Now, there was a discrepancy. I was just hospitalized from an accident on the farm here and we had a little problem, but it was more of the hospital. They kept saying I still owed $1,500. When we called United American, they said no, they had mailed a check. Somewhere, the check must have gotten lost, so they were going to rebill them again. But that was the only time that I had a problem. We're very satisfied with what we've got and our experience with it has been very good.
Ann, thank you for your feedback regarding your experience with United American! We appreciate you choosing UA for your supplemental health coverage and we look forward to serving you again in the future.
We've had a United American Insurance policy for a long time, and the coverage has been excellent. It's like someone sweeping then someone picking up the filings with a magnet. It's very complete. We also get the mailings showing what has been paid. At one time, we had a rep, but I have never had to call customer service, because everything seemed to be always completed. Ever since we went on Medicare, we've enjoyed the service, and we've never had any reason to even contact anyone. UAI is fabulous, and I'd recommend it to anyone. It's not inexpensive, but when it comes right down to it, it's worth every penny. I just had some major surgery and I haven't seen a bill from it.
Gerald, thank you for your feedback regarding your experience with United American! We appreciate you choosing UA for your supplemental health coverage and we look forward to serving you again in the future.
We were with Cleveland Clinic and when they stopped taking HMO, United American Insurance was there to pick up the pieces. I've had them ever since and they've always been extremely good with me. When I asked them a question, they gave me an answer. They've been fair too and I have never had anybody question me. All this time, I've had three back surgeries and two other major surgeries. I've never had them deny a claim that I had to go back for.
Sometimes United American Insurance is a little more expensive than HMO. But they have the same things as an HMO. I had to have my eyes examined and they do a refractory that insurances don't pay for. A gentleman went too and he had insurance for the eyes. He gave a card and was told, “We're sorry, we don't take that anymore because they don't pay their bills.” I have never had anyone tell me they wouldn't take United American Insurance.
Marilyn, thank you for your feedback regarding your experience with United American! We appreciate you choosing us for your supplemental health insurance and we look forward to serving you again in the future!
I used United a couple of times and everything was fine.
John, thank you for your feedback regarding your experience with United American! We appreciate you choosing UA for your supplemental health coverage, and we look forward to serving you again in the future.
The rep I worked with was very knowledgeable about a lot of insurance companies, how they cover, what they cover and what they cost for my age group. She was very well-informed and she gave me really good recommendations. I'm happy with all the insurance things that she told me to sign up for.
Gary, thank you for your feedback regarding your experience with United American! We appreciate you choosing UA for your supplemental health coverage, and we look forward to serving you again in the future.
I love United American. Relatives of mine had United American and they said they had good results with it. So, when we came time for us to get a supplement, we went with them. I've had good results, too.
Richard, thank you for your feedback regarding your experience with United American! We appreciate you choosing UA for your supplemental health coverage, and we look forward to serving you again in the future.
They've served my mom well, thus far. We recently had a couple of little glitches about billing -- between Medicare, them, and my mom's illnesses. But it was nothing over the top and everything was handled.
Lynn, thank you for your feedback regarding you and your mom's experience with United American! We appreciate you choosing UA for your mom's supplemental health coverage, and we look forward to serving you again in the future.
I use them as my Medigap insurance for Medicare. I have a high deductible and they have an annuity plan, instead of me paying the bill each time a doctor bills me for his offices until I complete my deductible, I give the money to United American. They end up paying all the bills for me. It works absolutely terrific. There was only one time there was a hiccup. In the beginning of the year, the doctor didn't understand how the plan worked. I had to tell them to call a different number until I got it straight, but it worked out.
Howard, thank you for your feedback regarding your experience with United American! We appreciate you choosing UA for your supplemental health coverage, and we look forward to serving you again in the future.
United American Insurance Company Information
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- Company Name:
- United American Insurance
- 3700 S. Stonebridge Drive
- Postal Code:
- United States