United American Insurance

From the very beginning, their person who did the seminar was amazing, because it made me understand. Taking care of Darlene, I'm looking out for her benefits as if it was for me. How most elderly people look at their insurance is they don't want to pay so much. They want the cheapest. But the cheapest doesn't always pay everything in advance. For example, even when I tried to tell Darlene about it, she did not want to change because she’s used to being deducted 70 some dollars out of her Medicare to pay for her insurance. And then when this United came in, it went from 78 to 100 and some dollars.

I said, “Okay, here. You weigh it out. Write down how many times you go into the emergency room, go to your doctor's appointment and pay your co-pay, and you have to go in and pay for your lab works. You tally all those up for the whole year, not including the times you go into the hospital as far as your emergency coverage. Is it less than this 100? Take this 100 and some odd dollars, times 12 for one year, and you tell me which is cheaper.” And when she did, she said, “You're right. It's a lot cheaper.” I said, “Look. You get in the ambulance, you don't pay anything. You go to the hospital, you don't pay anything.”

She had to go to a home for physical therapy. Medicare only pays the first 21 days. Thereafter, you are responsible for the remainder if you still need physical therapy. And by having United health insurance, it was the best insurance she ever invested. We not only use this here in Florida. When we were in Albuquerque, she had her own room. She could eat in her own room. If she doesn't want, she can go out to the dining room. And the utensils were not paper plates, paper cups and plastic forks. It was forks, knives, spoons and dinnerware. That's how good the insurance was, that she was able to use it. And that was the most peaceful mind that I didn't have to worry about who was going to pay what. It was all taken care of. United is great.

With United American, it's automatic and you don't do anything. I pay for whatever it cost the whole year at the start of the year so I don't get a monthly bill. I paid them recently for 2021. I never get billed unless it’s some really weird off the wall thing where I'm in a hospital and suddenly Medicare doesn't cover it. United American is not cheap but you get what you pay for in this world. I have no qualms about what it cost and I intend to stay with them till the day I die. If everything in the world is as easy, convenient, and dependable as United American, it should be a great place to live. If people have any doubts in their mind on who to go with, they should pick United American if they have the money to pay for it.

Back here in New Albany, where I was born and all, I knew a bunch of insurance guys and I asked them about it. They said, "Look, that F plan is probably not gonna be available in a couple years from now. It's really a good plan." And I said, "Well, I went ahead and got it down there." My company paid for my insurance and my wife's insurance for Medicare and drug program and all that kind of stuff. January 23rd of last year, I had to have a pig valve put in my heart. Medicare and United American paid every penny and my doctor told me it was probably about a half a million dollars that they put out. Plus, I had to go to rehab center for 10 days. I never paid a dime of that.

Between my Medicare and my health care insurance, United American, and my wife's and the few drugs plans we had through Social Security, it runs $800 a month. And what they paid just for my heart surgery, no matter how much money my company pays for my insurance, just in all the insurance, I'm way ahead of the game. It's not that I wanted to be ahead of the game, but people that don't go out and buy Humana or somebody in the drug program, you got a $500 deductible. My company pays through Humana $50 a month. That's $300 a year. I have a $500 deductible. If I didn't have one of my pills it would cost me $1700 for 90 pills which would take me for three months. And I'm already paying $50 a month to get that drug program through Humana.

When we went back to Florida, I even told David, "What you talked me into buying was fantastic." And he said, "Yeah. I told you it was good." So, I told a lot of other people. Then I found out from a friend of mine who I had spoken with that he got involved in selling it about two years ago. And he said he still sells it up here in New Albany, Indiana and it was because I told him about it, which I thought was coincidental. I'm totally satisfied with United American.

The total hospital bill was $44,000 (this was for all ICU, ambulance, full hospital stay and rehab). I began sending the bills to UA and started the claim process. But every time I called to check on the disposition of the claim, I was told they would not speak to me, they needed to speak to my husband, who could not speak. During this very dismal time that I could not be with him due to Covid, this insurance company refused to speak to me. All bills have been sent in. My husband is now home, after receiving exceptional care at the hospital in S. Korea. My calls to UA go unanswered. I see that no claim has been filed that I am aware of. Even though I FedEx'd all reports and bills to them.

One CS rep said to me: Well, the accident needed to happen within the first 60 days of his trip. I was NEVER told this when I called to see if he would be covered. NEVER. So here I sit, still without so much as an email or a phone call from UA providing me with any sort of a disposition at all. During this very dark time, I have been treated cruelly and without empathy by this company. I still have not been contacted by them. I started sending papers in on February 5th, and the last papers on March 11th. I plan to contact the Insurance Board and the Attorney General's office about this horrendous treatment. I have been a customer for 5 years, and I can't believe how unprofessional this organization is. Shame on them! Seriously!