United American Insurance

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.

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.

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.

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.

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.

I used United a couple of times and everything was fine.

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.

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.

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.

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.