United American Insurance Company Reviews

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 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 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.

United American is great. I went in a few years back when I had my lady insurance person from my primary doctor's office help me out, and she showed me so many different plans. I've been on United American for my secondary insurance since I've been on Social Security. They've been very helpful. I had some really bad hospital stays and they worked so well with all the hospital people. They're so giving of their time, knowledgeable of what's needed, and I feel very safe with them. They call me every year to change my plan but I tell them I'm happy where I'm at.

I like United American Insurance Company very much. It's expensive, but I've been happy with it. The doctor files my claim.

We have Medicare with United American, and so far, it's been very good. Everything's been taken care of, so I can't complain about anything. Everything's been very easy.

Last December my mother in law's agent had us sign her up for a medicare policy with United American Insurance at a cost of $402 per month. United deducted the $402 from her account in the second week of December for the payment due in January. As December came to a close I contacted our rep about not having received any info or insurance card. He indicated he spoke to United and the card and info was mailed on December 15th. I continued to let him know that we needed the card as she had medical appts. I reached out to him today and was informed that they told him they were having problems with the US Postal service. I am worried that if they are using the US Postal service as an excuse what happens when there are claims under the policy. Can I trust this company. Already told rep will need to consider different company next year if they can't even get the card mailed out.

I got supplemental medical insurance from United American. It was handled by my insurance agent, and it was very smooth. The service has been very adequate.

An insurance broker who was referred to me by somebody introduced me to United American and I chose Plan F to supplement my Medicare. I use the coverage every time I go to the doctor. My experience has been very good and I've never had to interact with anyone. It's all always gone very smoothly. I'm very satisfied and I would recommend United American.

When my husband passed away, I needed to get my own health insurance. I talked to my son-in-law who is an investment advisor and I said I want what he had, because he was well taken care of. He had United American, so that's what I got and I've been satisfied. I haven't had to look for anything different. I was recently hospitalized and I don't recall there being any problem with my insurance covering everything.

My insurance agent suggested United American and I got an F supplementary insurance, which they no longer offer now. I've used my supplemental insurance many times and I've had zero problems. I pay a lot for their insurance, but I don't pay any copayment. I was in the hospital for a week in Miami and I didn't pay anything. United picked up the backlash.

I'm 77 years old and I went with United American for my health insurance. It's excellent compared to a corporate company that I had when I was working. United American always does what they say.

I have Medicare and then 10 years ago, somebody sold me on United American. I have my secondary insurance with them and my experience has been pleasant. However, I had an operation back in September, and I'm still waiting for them to pay on a couple of items that are still online that doesn't show that they're paid for.

I'm very pleased with United American Insurance. I have a policy wherein I don't have any charges when I go to a specialist and I pay for my premiums every year. I'm very satisfied.

I purchased a Supplemental Plan N during open enrollment receiving a quote. 1 month later, they raised the rate because of having a birthday. Then 1 month later, they raised my rate because of a new year. They have you locked in because of underwriting. They did same thing again this year. Raised $10.00 months December 1st, then starting January raised $29.00. That's a total of $39.00 a month on top of Medicare increase. Cola raised totally eliminated thanks to United American. But there is a bright light at end of tunnel. Starting 2026 January, my state passed a new bill which allows consumers to choose another insurance company without underwriting as long as you choose same plan. We are allowed to do this within 60 days of our birthday and not during open enrollment. Personal guarantee they will lose my business and other consumers. Corporate Greed.

United American Insurance does what they're supposed to. My experience with the company is fine. Everything is good and going fine.

After Mom's death United American Insurance Company sent a check to Dad just a few days after her passing. That was great! However as Dad was in a nursing home the check seemed to get lost! I called customer service numerous times and I got a response the 1st time that they couldn’t talk to me and wouldn’t tell me where the check was sent to. This started in May. In September I was told check was not cashed so a new check would be sent in 15 to 20 days. Never got it. Talked to nursing home numerous times and said they had not received it. Finally called customer service again on December 8th after Dad's passing and sent in his death certificate.

Everything has been perfect with United American. I’m happy with it. I had work-related insurance with my employer, and then I got Medicare. So, I have United American as a supplemental insurance.

I used United American Insurance based on the recommendation of a family member who is a CPA. I haven’t needed any customer service from them, but their price is competitive.

United American was recommended to me by an agent I worked with when I moved here to Florida about 13 years ago. I purchased a supplemental to my Medicare. He said they're a little high in prices but the coverage is good. He never heard complaints from his clients about them. In my experience, it is a little more expensive per month, but it covers a lot of things.

Everything is automatic with my mother's supplemental insurance through United American Insurance. As far as I know, she doesn't have to do anything and hasn't had any issues.

I'm very happy with United American. The people are helpful. I have not had any problems. I was with Xerox back then, and then they changed the whole plan where we had to get our own insurance. So, Xerox people hooked me up with AARP. And then something happened, and they said I’d have to redo it again. And I was afraid I'd be without insurance. So, I called Miss Scott, who deals with United American, and she hooked me up with them. She came to my house, we filled out some documents, and I signed them. She took care of everything.

I purchased from United American Insurance many years ago my supplemental insurance, and the process was easy. They have been good when I filed a claim. They have paid everything. I am surprised and amazed that they would do everything that they have done.

United American Insurance is a good company. I’ve had them for 12 or 13 years. I’ve spoken to their representatives years ago, and they were easy to talk to, and they answered my questions right away. Filing a claim is no pain at all. The provider usually submits their bills, and United American pays them. We always wish that their price was a little bit less, but I don’t write checks for any doctors.