United American Insurance Company Reviews

United American has been working well for my parents for 20 yrs and now it's time to update, but our agent has retired. Need a new one but have waited nearly a week via operator and your website. Help!

United American Insurance has a good policy. Their rep was very good. Overall, I'm satisfied. I would like to have had some dental with it, but apparently, it wasn't available. Also, when I was doing my drops for my cataract, the pharmacies wanted this ridiculous amount for the eyedrops, so I went to a Canadian company that got the very same eyedrops for 25% of the costs that the Americans wanted. I'm an American, but I just couldn't believe that we have such a system, then I had to pay for the 25% myself, and I may need those for the rest of my life. So, I wasn't happy about that, and part of the insurance because I was saving the insurance company money. I should have been at least rewarded for my investigation to find that, indeed, I not only could save money for myself but for the insurance company. But other than that, I've been overall happy with things.

It works well. I had breast cancer and I had heard that they didn't cover a lot of stuff for breast cancer, but I never had a problem.

United American Insurance doesn't cover anything. I even called and talked to the head representative of the company and they said that's all they've got to offer. My co-pays are paid but I'm unhappy with their prices on premiums. I'm paying 590 through them and 475 through Medicare, and that only leaves me with $200 to cover prescriptions or anything else. When they leave you in the red and you've got groceries and utilities in the house, it's hard to come up with and stay afloat.

United American is complimentary to the regular insurance that we have and it has helped out financially. Once in a while, I'm surprised that something isn't covered, but I haven't felt like complaining about it. I’ve been satisfied with their services.

United American was good for me and I’ve had a very good experience with them. The reps were able to answer my question quickly.

The coverage seems to be okay so far and United American is fine because I’ve had nothing wrong with them.

We've been with United American Insurance for 30 years and so far, we haven't had any problems.

United has been good to my mother. She never owed a bill when she leaves the hospital. She's 97 years old and she has had that policy for many years.

United American’s customer service has been good so far. I don't go to doctors often, but when I do, they accept my insurance. Everywhere I've gone, it has been accepted, which is helpful. I haven't had any out-of-pocket expenses.

United American Insurance is the best and I wouldn't even change if I get the opportunity. I only say nice things about them and I'm really the first one to say something nasty. Everybody's been wonderful when I've ever had to talk to anyone. The only thing I don't like is that they don't cover any drugs. I have to have a separate program for that.

I got the Medicare plan from United American Insurance and that's a great plan.

United American Insurance has always been there and I've never had one bill. I get the reports monthly and never any out of pocket expenses.

United American is very expensive and difficult to deal with. The National Kidney Foundation now pays my insurance premiums and pays by the quarter. United American raised their rates but didn't tell anybody. They raise their rates every single year. They’ve gone from $150 to $350 over the period of the thing, which is excessive. Also, when I call, I get jerked around and nobody knows anything. It’s a pain and I try to avoid it. Last month, I got a check back from them for $300. What's that for? I called up, “Well, I don’t know.” United American has messed it up and sent me bills. They are not consumer-friendly at all. They don't try to help me. When they create the problem, they don't try to help me fix it. I have to do it myself.

I got supplemental Medicare insurance through United American and overall, they are very good. They pay claims.

I had United American at work and I've kept it ever since I retired in '99. I keep on paying and I haven't gotten much lately, up 'til now. It was extremely good. I got caught by that COVID-19, and it hit me hard, but I'm about to get well now.

We've had United American a long time. They seemed to have the best plan to cover the most things, it met our needs, and it was at a fair price. The application process was very easy because the broker did most of it. I only had to sign.

I haven't had a penny out of my pocket since I got United American Insurance on line with us. For retired people, it's the go-to company.

United American is a wonderful company and I'm very happy them. I’ve been with them a long time. I was going with a man I liked very much, and he was with United American. He said it is the best. When there was an opportunity, I switched to United American. My son, who pays my bills now, said he's having trouble sometimes collecting the reimbursements from them, but he says the money does come through. Sometimes, you've got to wait.

My husband has been with United American since he and his partner in business had been with them, and we continued to keep United American after he got out of business because we were satisfied with it. Everything is going fine. I haven't experienced anything unfair. They've covered me well.

I called UA before my husband, a Vietnam Vet, went to Korea to visit an old army buddy. He was to be gone for 3 months. He left on October 27th, 2020 and was to return on January 19th, 2021. I called UA to find out if he was covered for any medical issues while he was gone. They said yes, he was covered, and whatever Medicare may have covered here in the US, that's what they would cover there, at 80%. I felt secure in my decision to have him go on his trip. As it was, a terrible thing happened to him. Two days before he was to return home to the US, he was outside by himself, and he fell on the ice and cracked his head. His occipital bone was fractured, he was rushed to the hospital by ambulance, and had to remain there for 7 weeks. He had a severe brain injury, and was finally sent to rehab 6 weeks in.

It is very good insurance. I like it.

It's very, very expensive, but I get my money's worth. I don't have to fight them to pay the supplemental bills. They've paid the bills.

The coverage with United American is fine.

My mom had this insurance for like 11 years when my dad used to work for Bethlehem Steel, and then they lost her insurance. At that time is when they had to look for something else. She got United American Insurance. Between all the ones that she had checked out, that was the one that must have been most suitable at the time. I've been sending checks for her. The people from United American Insurance have been great. I call them and it's like they understand. They give you a grace period with COVID. They were very polite and very nice to me. So, when I call them, I never expect to have any kind of issues. They're really good to work with.

I spoke to a representative and everything was done right. The one thing I love about it is that the doctors aren't limited. That's very important. Some of the other plans, they get you and then they knock off the doctors that you use, and then you have to go find a doctor within network or get a new doctor. Neither one of those are good answers to the problem. So I like the fact that doctors are covered, everybody gets paid, we're all happy, and my life is easier.

It was great when I signed up with United American. I went to an independent insurance agent and she asked me the names of my doctors, what pills I take, and how often I go to the doctor. Then from that, she came out with what she then recommends is the best company for me to go with, and it was United American.

I took the best plan and I am completely satisfied with United American. The only thing I miss is my dental and vision coverage. Otherwise, I would not go to another insurer.

We're very happy with United American. We met with this guy right after I retired so we've been with him for a long time. He’s at our disposal and he’s great. I've given him a lot of business from some other friends of mine. My husband and I were in New York and he fell and broke his hip. We were thinking of the kind of bills we were going to get. We have Medicare but everything was covered with United American except for $60.

My rep is fine and the service is good. I'm happy with it.

My wife runs a dentist's office and besides being a dental assistant, she deals with umpteen hundreds of insurance companies and their minor nightmares. So, she knew which insurance company to take. We went through a good hour and a half meeting with the insurance people two years ago when we started this. I love United American Insurance. I don't worry about co-pays and the most I have to pay for is antibiotics and any strange blood pressure medicine. When they see that card if I'm going to a doctor, I never hear from them. I go to the doctor and then I go home.

They paid for everything. I've had no out of pockets between Medicare and United America. My experience has been very good and real easy.

They've been a really good company. My doctor sends in the bills and they pay them. They don't aggravate me and they take care of me. They sent me a letter of increase, a little bit because of rates going up, which I felt was minimal. So I felt good about that.

I went through a broker when I signed up for Medicare. I have a history of cancer. Instead of taking an HMO, I took a supplemental plan and United American was the best one offered. I've been very satisfied with them.

United American pays Darlene's bills. Her main concern is they pay the bills. United helps pay for her dialysis. If she was with the new Advantage Medicare, she would be stuck with the 20%. And that's not good because each one of those sessions are over $5,000. If she was to go into the hospital or get lab work, having to take care of her bills when it comes through has been smooth. And if I had a question, I can always call United. Or first I call Medicare and they make me understand what the bill is. And that's when they would say, “Well, her second insurance should take care of it.” And when I do, it doesn't come back to us. We're happy.

My experience with them has been very positive over the years. I've been with them for 40 years, selling and using their products. Right now, I'm a stage four cancer patient, and I’ve used their product a lot.

To be fair, I don’t use my insurance very often. With that in mind, I do appreciate the ease of use when I do need to use my insurance. I have had other insurance companies, and there always seemed to be some sort of hassle or complication. As of now, with five year under the same insurance, I have had absolutely no issues.

Everything was fine when we applied with United American. We purchased supplement insurance from them. We've had a very good experience with this company.

My primary insurance agent got me the United American insurance. The application process was seamless. My agent took care of everything. She knew I was going to go in the hospital for some more surgery. She told me that this could be an ideal plan for me if I was going to be in the hospital any amount of time. The way it turned out, something unexpected happened and I spent quite a bit of time in the hospital. I've been very pleased. I love an insurance company like United American because I didn't hear anything from them and all my bills have been paid. That’s why I renewed it for this year. For a supplement, it’s expensive, but it's well worth it if you're going to have any kind of hospital stay or surgery.

I went through a broker who analyzed my medical needs and matched them up best with the plan from United American Insurance. I've had the insurance with them for several years and everything seems to be working fine. But it would be nice to get a summary every year of what is included.

I love United American Insurance. It's great and I appreciate everything that they do for me, because then, I don't have to worry. I'm 90 years old and I just don't have to worry.

I hope that United's price won't go up, because I have $1,000 pension and I pay $400 for health insurance. So, it doesn't leave me a lot to live on it and I don’t know if anything can be done to have more coverage. Like the Advantage customers, they’re choosing the advantage they’re receiving like free food, transportation, and membership for the gyms. If at least we can use the free membership for the gym, it will be great because we need that. But I'm thankful that this way, I have the freedom to choose the hospitals and the doctors for my needs. That gives me peace of mind. And since September, I have been facing a challenge and I had surgery for the last three months. So, having the insurance makes things much easier. All in all, my experience with United has been excellent.

We bought health insurance from United American. They're great and I'm totally satisfied. You should go with them.

Getting United American Insurance is the greatest thing you could do. I have Medicare from them and my wife and I have been very happy with it because they've covered everything. I haven't had any specific problems at all over all these years that I've had them, and I am grateful for that. We plan to keep this insurance up.

The application process was easy. They've covered everything. I also took the F Plan, and they told me to go to the G. I thought about it and said that I'd go with the F because I know it works. The only time I got a bill, I called the hospital and I asked why I got that. I told them I have the F Plan. The phone was hung up and it was paid. Overall, I’ve had no trouble with United American.

We have United American Insurance as my father's supplemental on top of Medicare. He recently went through a year of care after an open heart surgery. United has been wonderful through it all. They did what they said they would do at a fair price.

United American Insurance is a very good supplemental insurance for those that are on Medicare. So far, everything that I've had has been really good and I'm very pleased. It's just that I don’t particularly appreciate spending 400 a month. I get out there are a lot of times and they say to go for this or that, but it's their HMOs. I have to wind up going to some doctor that they have in their system. With United American, I can select any doctor.

The person we do our business with with insurance recommended United American to us. It seems to be a pretty good company and I don’t have any complaints with the person that did it for us.

My husband got United American Insurance for me. It’s been really good and satisfying so far.

I’ve had United American for several years and they’re very good. The premium is high but it’s worth it. They pay out, which is all that matters to me. I don't have to worry. I appreciate their service and I've never had any problems with anything. After Medicare pays, the insurance picks up and does what they're supposed to.

United American was recommended to me by a gentleman when I was still working. I was going on Medicare because I worked till I was 75. I was still with the other company that had group insurance. But there were some confusing things like who pays first on stuff. I took the plan that the gentleman recommended and was told to pay the extra money that it cost to have United American do the paperwork. I would then never have to look at another thing again. That has been the best investment that I've ever made in an insurance product.

United American Insurance is a good company. I purchased supplemental medical care from them.

I pay a monthly fee to United and then, they set aside so much, put it in the bank and pay me 3% interest on it. At the end of the year, they use what they set aside with the interests I get off of it to pay my bills and generally, they don't have to pay much. But in the last couple of years, it seemed like they keep raising that amount and never tell me, which was one part that I wasn't crazy about. I was responsible for $2,000 in the year and then it would be 2,200, and then it was up to 2,400. They don't raise what I pay a month but it uses more of my funds that they set aside. But I'm satisfied with it. United has always paid the bills and no place has come back for more money that they didn't pay. So, as long as they pay the bills and I just make one monthly payment, it is working out okay. I would recommend United but if people find something better, that'd be up to them.

Once I needed a supplemental, United American was the first one I picked. My parents had used the same. I've had absolutely zero problems with United American and the only time that there was ever a delay in payment was because of an error on the part of the provider and the claim. The experience has been excellent.

I am very happy with United American and the experience has been fine until I ran out of Medicare days. I'm having to pay out of pocket at this rehab facility where I still am. I'm gonna continue and pay premiums until the Medicare days rolls over and I'm disappointed about having to do that.

The application process at United American was simple and easy.

We've been satisfied with United American. The only issue that I have with them is they charge to do the paperwork. But they send the claims in, they get paid and we get papers to say what's been paid and it's been a pretty smooth ride. We pay dearly for my husband's insurance, but he's had some very substantial claims.

Our overall experience with United American has been good.

The application process at United American was wonderful. The coverage has been good so far. I've been satisfied with them.

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 we’ve been billed, between Medicare and the supplemental, has been fair.

My husband and I went to one company and we were able to get a Medigap policy at that time. It's a very good thing to have. Medigap pays the policy but United American pays promptly when it's eligible and sends a notice to me.

Mama had been using United American for years and I knew the insurance man too. The rep came to the house and he was thorough. It was just insurance when I first got it. I wasn’t old enough but it’s a supplement now. The experience has been very good and I will recommend it.

I’ve been with United for about 30 years and I’m very happy with them. 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 need immediately. Everything is a plus and I’ve recommended them to many people.

United American has been terrific. We've had them for years and when Medicare started, we started with United American, too. We’re elderly, and their insurance we had in addition to Medicare. There haven’t been any serious issues. I’m sorry I didn't have insurance for a few others things, like dental, when your mouth starts falling apart. But as far as I’m concerned, we have not had additional money we’ve had to pay. I’ve been in the hospital in the last couple of years for a few times. Medicare and the United American come and say, “You maybe have to pay such and such.” We’ve never been asked to pay any more.

United American Insurance was suitable for me and I continued to keep it. I like it and I’m satisfied with it. So far, everything has been okay. If I need something, it’s usually taken care of.

I tried to call United American to find out how I could get some insurance on the medications, but I didn't get satisfaction from it. But everything's working out beautifully with United American. I’ve had them since way before Medicare. I paid straight 7,000 a month. I had a broken ankle, which sent me into rehab in the best place in San Francisco, the Towers. It didn't cost me one penny for 10 weeks. It’s been perfect with United American. My husband and I paid them a lot every month and I can’t complain about one thing. I tell the kids, “You should get that one.”

My husband took care of all the things with United American and got medical supplement insurance from them. He’s been gone five years now and I just continued on with it because it was good to help with medical things. I was very satisfied with the program.

We got United American when I retired and that was 20 years ago. We are satisfied with the coverage we're receiving.

United American was recommended by an insurance agent. The application process was easy. It was at the time when originally, I was signing up for Medicare, and then I needed a supplement. This was the one that she recommended, and we filled out the application and submitted it.

I have medical supplement insurance from United American and it's going 25 years now. Anytime I had a problem, they took care of it.

We have a home down in Florida. We met a guy there when we moved 20 years ago and we started being real close friends. He turned 65, and I was still about 63 at that time. He told me about United American. It just so happened that two doors down from them was David, who was a representative for United American. My wife was born a year ahead of me. She was turning 65 in a couple of months. So, the guy came over to our house where we live a couple blocks away, he explained the insurance to us and we went ahead and took it out for her. Six months later, I became 65. So then, I told David, "Look, I wanna get down on that also, the F plan," and he said, "Okay."

Having good insurance is the most important thing you can do for yourself in today’s world. I’ve dealt with hospitals for years and I’ve asked them a lot of questions about different things. If you heard their comments, you’d want good insurance. One of my nurses knows all about United American Insurance because other patients have it. What we had was good but she said there was a better upgrade. We went with her advice and upgraded ours with UAI. We got a supplement. The application process was fine. So far, working with AUI has been excellent. The people in the hospital always hear comments from other patients about what they have like this one has this and this one has that. Some are paying for this and some are paying for that. But everybody is raving about how good UAI is.

A friend of mine who was an insurance agent suggested United American, and I got their supplemental plan. I haven’t had any problems with it. I go to the doctor, I got Medicare, and United American’s my supplemental. There are no copayments, no deductibles, and they say, “Come in,” right away and they get paid within a month. But they jumped my monthly premium from 349 to 269 with no notification letter and no explanation. I'd tell others to check prices very closely.

An insurance agent recommended United American Insurance. He said he has used it for 20 years. He's now in his 80's and have had very good success. The plan that I have is no longer available, at least not to new customers. That was the one that paid everything that Medicare didn't pay, unless Medicare refused to pay it because of reasons that are peculiar to Medicare. There weren't very many of those and most of them, the hospital managed to straighten out because it was a billing issue. United American has been absolutely wonderful.

I’m pretty well pleased with United American Insurance. They pay off and they're pretty fast at getting that taken care of. I have no problems with them at all.

I love United American. I was in the hospital for three months and I thought it was gonna be like a three-billion-dollar bill, but I paid zero. I didn't get any charges for odd ** like I used to get. The anesthesiologist always sends me extra bills but I didn't get any of that between Medicare and United American.

We've been on them for five years and they just upped the expense on the policy for both of us. A gentleman came out and explained what they had and the coverage that it gave, and it seemed to be reasonable. We have considered going back and relooking at it since it is going up in price. I got a letter saying that as of two months down the road, our premiums are going to go up. But we have had good coverage. They do cover everything past the Medicare and we don't even have to file it. They charge $6.95 extra so that they get it directly from Medicare. That's nice. But I've had problems trying to reach them in the past because our salesman has moved. I've had trouble getting hold of the company through which he was working and I've tried to go that way rather than go directly to the company.

I have sort of an insurance advisor and he put me into United American. We purchased a supplemental insurance to Medicare. The application process with them was simple and they knew well in paying what Medicare does not pay.

I work with an insurance agency that sponsored United American and I liked them. It’s working out fine with them, except I just got my bill and it went up. I’d rather it didn't.

United American is my supplemental. I went with them because I didn’t know anybody at that time that my husband passed away. I've been very satisfied with them. They cover everything that my Medicare doesn’t.

I purchased a Medicare Supplement from them some time ago. I called them today because I thought the policy I had bought was frozen at a certain age, and it turns out it's really not. Only a piece of it is frozen.

I just accepted what United American's coverage is and never had problems with them since 20 years. I am a doctor of clinical psychology, so what I say is usually fairly on the mark. Whatever they're doing is fine. I'd tell them to please stay in business.

United American has been very good throughout the years. We first heard about them through our insurance agent. I had a corporation and my business used someone else. They were also very good. We have a wonderful insurance policy, but the only comment I can make about United American that they’ve taken very good care of us. We appreciate it. Application with them has been so many years ago and it was not a problem. The only thing that they do for us over the years is supplement our social security, Medicare.

I have health insurance with United American. It's a supplement plan. I did the Humira. It's what I use when I have to go to the doctor. My mother had it and she's long dead, but it paid well. And I know our doctor at that time, they said they never saw a health insurance that paid so quickly. So, we just stuck with United American. I like it real well. They're clear on what to charge and their correspondence is good. They always come through. As I've gotten older, I've had to use them a lot longer than I used to. And so, it seems like we get along okay.

They pay my supplement and I've never had a problem. They do a good job. The Medicare switches over whatever is left over and they automatically send it to United American and they pay the supplement. I'm satisfied. I spoke with them a couple of years ago when one of the doctor’s offices didn’t send the supplement. I had to call them up to tell them that they were gonna send it, and they said, “Fine, no problem.” So they sent it and that was taken care of. They're a good company.

I have macular degeneration which is progressive. My nephew who is in the insurance business suggested United American to me. Before that, I was on an HMO and I got so tired of waiting for authorizations and being told that I should go to a certain doctor. I was supposed to have surgery but I was waiting for the HMO's authorization and the doctor's schedule. It was not for me. I want to have insurance where I could choose my doctor and I don't have to wait for authorizations. With United American, it has been a 180-degree difference. I've always been pleased with their service and the fact that they let me know what has been paid to the doctors. I have a record of that and there haven't been any complaints from any of my doctors.

I spoke to one of their agents about a supplemental plan. A hour after the agent left I changed my mind and canceled the plan. A week later United American Ins took money out of my bank account. I called them to get my money back, I was told that my account was never canceled. They told me it would take 21 days to get my money back, then they said 30 days, then they said over 30 days. I feel like I'm getting the run around. I said maybe I should contact a lawyer, and united american said that I was threatening them, and that the conversation is over. It's a shame that they bully senior citizens.

United American is the number one insurance for me at my age and I'm satisfied with it. I paid $5,699 for their medical insurance to help with the other insurance.

United American pays my copay that suppliments my Medicare. I've been using them for years and everything has been fine. They’ve been consistently good.

I’m very satisfied with United American. I’ve had it for 20 years. I have hospital insurance with them. The application process was very easy. However, sometimes, they put me on hold for a long time. That’s the only thing I object to. Or they say they’ll call the next day, but then they forget. But they always do the paperwork. I don’t have any problems.

United American Insurance is an excellent company. They pay the doctors and the doctors like it. I've had them for a long time and it's a well-run company. The gentleman who sold me the insurance policy calls every once in a while just to make sure we're okay. That's excellent service.

I had a Medicare Supplemental Insurance plan which I called on 12/6 to cancel, effective at the end of the year (2019). On Dec 23, I was charged the premium for January 2020, in error. Shortly thereafter, I called to request a refund. IN the meantime I received a letter stating that I needed to provide proof of coverage in order to receive the refund. As a Medicare supplement is optional, there can be no such requirement, which I have explained to the representatives I have spoken with, and on two occasions they have said that I would be getting a refund by check. No check has been received, so I called once again (5th call), and was told that I needed to submit proof of coverage. I've asked for a supervisor to call, no call came. I have written on their "contact us" page, no response has been received. Time to make another call...

We switched over to United American Insurance for better benefits and the application process was very easy. They've been wonderful. It's our supplemental insurance and we don't have any copayments with them.

United American Insurance is the best thing ever. They take care of everything and they don't give you a hard time like everybody else about little things like your prescription drugs. They just take care of you. I'll never give them up. Everybody told me they were the best and they really are. I had a friend who turned 65 before I did and she was the one who talked to me about United American. She had used a broker and I told her to let me talk to her broker. He told me all about it and then I asked around all of my doctors' offices and they were saying it's the best. I went with them right off the bat as soon as I signed up for Medicare and the application was unbelievably easy.

I was satisfied with United American Insurance. The agent that I had was good. He was polite. There was a little glitch before 'cause I suddenly emptied out my banking account. I had to switch banks and I didn't give them the right information, so I ended up falling behind a few months. I'd also like to get it a little cheap if I could, but everything's been okay.

United American works for us. My health agent initially looked at all the different possibilities and this is the one we selected. Our decision came down to looking at price and the things that were available.

I'm not happy with United American Insurance at all. I went in the hospital on November 17th with double pneumonia and I was there for eight days. I don't know how you plan on getting double pneumonia two weeks after your insurance becomes effective, but they were inquiring on every doctor bill. I was being bombarded with letters from them that I had to respond to, and they did not pay a lot of my claims from doctors because I did not feel well enough to return the paperwork that they required of me.

Somebody did the research and said that you needed supplemental insurance and recommended United American and we’ve been on that track ever since. At the time it looked on paper like the best option. It’s a supplement to Medicare. I’m satisfied.

When a lady came out, she mentioned different insurances and at the time, United seemed to be the best. I enrolled myself and it was very easy and it went perfectly. And because I was turning 65, I was able to get onto Medicare. I wanted a supplementary because my husband had Medicare and he also had Social Security disability until he turned 65, and then it went straight to Social Security. He also had a supplement and the VA. It all worked out pretty cool because if he wanted to see a doctor, he didn't wanna go so close. Also, he had some ostentatious bills but he got the care. The last year and a half, we've had nothing but problems but I haven't had any problems with my United insurance.

I have requested 4 times U.A. furnish me with a 2019 claim summary. They promise and then NEVER produce it. I have asked 5 times to speak with a supervisor. Promised... ZERO call from supervisor. Really bad customer service.

I got supplemental insurance for Medicare through United American. So far, everything has been okay. There has been nothing that has left me wondering.

When I was working, I had Blue Cross Blue Shield. Then I went out on disability and I got a supplemental to my Medicare for about 15 years now with United American Insurance. Until about six months ago, I hadn’t had any unpleasant experience with United. But I had a problem when I moved into supplemental housing. I lost my home in the hurricane last year in Florida then I moved to Mississippi in a little apartment. Your income affects your rent and when I needed a letter from United stating what my monthly and quarterly payments were, I had a heck of a time getting that. It cost me three months rent and an increased rate simply because it was a couple of days late getting the information I needed. But I tried for three weeks.

I got Medicare Supplement Insurance through United. The application went fine. I went to their office and their agent and I reviewed some of the different policies and decided that what I got was the best for me and my situation.

I attended a class with local SHIBA, she suggested UAI for my needs. She said to call and they would send some someone out to talk to me. NIX that! I called and they gave me some guy about 1000 miles away and so not helpful! I looked for a local agent and found one highly recommended and they helped me through many aspects of Medicare supplements as well as negotiating my states Health Plan Exchange so I could keep my dental insurance.

A claim was filed after my Mother's death. All claims are through the main customer service email or phone. The long-term care is another unit. It takes at least three calls to get transferred to long-term care and a 30 minute wait each time. The company does a terrible job of keeping the customer informed as to the status of the claim. They rely on the customer to call in using the process above. The agents were invariably polite and absolutely unhelpful in each and every case. One would expect a call or email to inform the customer each step of the way in the process.

My mom bought a life insurance for me in the 1970s. She called to get the cash value of the policy because we wanted the cash. A rep gave her an amount. Then we call again to check status, every time we held for like 20 minutes with every rep. The rep Eloisa stated that she had to email a surrender form or something. Have been waiting for 2 weeks, called several times and it's causing a lot of unneeded stess! Idk what I'm going to do next. I'm at a loss.

My sister's accidental death claims with United American Insurance Company were finally resolved. A special thank you to Audrey ** and to Consumer Affairs.

My mom and I are on the line to discuss correspondence that we received from United American Insurance Company. After being on the initial hold prior to speaking to a rep for 12 minutes, a rep comes on the line, I detail my request in less than 60 seconds and she has placed me on hold now for 45+ minutes. She has not come back to the line or anything. I have never experienced anything like this... I'm actually typing this review while I'm still holding. This is unacceptable. I will have to hang up, call back to get my answer, send a formal complaint to United American and BBB. This is unheard of. Please don't waste your time with this company.

I purchased a supplement for my me and my wife from UA in Florida and when we needed to use it UA was there for me. They paid my claim in just a couple days. Easy to use online claim processing. Highly recommend.

Tremendous! That's the first word that comes to mind for United American. I had never heard of the company until my agent recommended it. I am thankful that she pointed me in the right direction. I've had the plan since July of 2018 and couldn't be happier; no networks and the freedom to see the doctors of my choice. I signed up for Plan F at a great rate---and no increases so far. With Plan F, I have no co-pays or deductibles---and all of my claims are processed automatically and timely.

My husband and I both enrolled in March 2019. First of all when the claims started coming in to them we received a plethora of mail from these folks. Every claim they wanted to verify it was not due to a pre-existing condition. Even things like imagining bills. Our doctor had to fill out about 25 or 30 forms. I got letters saying they were reviewing the claims. Finally they started approving the claims and were applying the payable amounts to the deductible. When my husband got pneumonia and sepsis that added a lot to the deductible, then he broke his ankle and had surgery followed by 20 days in rehab and now he is in the hospital getting PT three times a day.

I have been with United American for my medicare supplement since I turned 65 in October of 2015 and they have have been there for me every step of the way. With this policy I am able to see any doctor of my choice with no questions asked! No referrals or hassle, I go anywhere I want. During my time with United American they have never increased my rates, they actually reduced my rate in November of 2017. I was in shock to see a insurance company lower rates. I would highly recommend anyone who is looking for Medicare coverage to consider a Supplement plan with United American.

My husband and I signed up with Medicare Supplement policies from United American back in Jan. 2018 and since then we have had a super positive experience. Being with a supplement as opposed to an advantage plan gives us the freedom to go see any doctor we wish. United American picks up the balance of the 20% for all our claims. They pay the bills in a timely manner and we have had no issues with them to this point. Our agent Devin highly recommended them and we are glad he did. His website can help guide others. www.devinexplainsmedicare.com

I have had United American since 2015. Having no knowledge with medicare and the options, I interviewed several different companies. Devin **, came from United American. I explained I was not sure what state I was going to move to and needed to have insurance that was nationwide, not for emergencies only. I also wanted a company that I didn't need permission slips (referrals) to go to a specialist. I also said I didn't want to have constant co-payments. I bought my policy from him. Since that date I have had two surgeries and several minor medical issues. To this date I have not had any billing problems. Whenever, I call him he responds immediately. I have recommended several other people with him and I know they haven't had any issues either.

I have had a United American Medicare Supplement now since 2012. It was one of the best decisions I ever made. I was previously with a Medicare Advantage plan through Humana and what a nightmare that was. I was never able to see my doctor, I was always having to get referrals, and they made getting bills paid a complete hassle. I got into United American through my agent Devin ** and he explained to me that going with a supplement would allow Medicare to be primary and that I would be able to visit any hospital, doctor, or specialist nationwide without any referrals or hassle. Boy was he correct. I took a Supplement Plan F which is the best available plan and I have been able to see any doctor I want and United American has paid the bills for all my medical procedures. I would highly recommend them to any senior who is looking for Medicare coverage. I would recommend visiting my agent's website. www.devinexplainsmedicare.com.

It's funny reading these reviews how a lot of them don't make any sense. One person said that she changed her policy from a Medicare Supplement to a PPO. If you make the change thru Medicare and don't tell the insurance company that you made the change of course they're going to deduct your account and send you a bill that's what all insurance companies do. Yes, the customer service department can be slow, but at least it's here in the United States and not in the Philippines.

First, they tell you when you sign up, your policy cost will never increase. LIE. Mine has more than doubled since I took it out 18 yrs ago! Now my daughter is having to help me financially so we look into it. After FIVE calls, I keep getting told I have the wrong department. They can't give me the number, but will have this dept. call ME back. Each time it turns out they are not with the dept I need (LONG TERM CARE) WHICH HAS BEEN STATED EXPLICITLY! One more return call and I'm going to cancel. They keep pushing me off on the next person!

My mother had had a policy with United American Insurance Company since the year 2000 and has paid the premium faithfully. She is now in assisted living and I have spent countless hours “on hold” to activate the policy. Her doctors and lawyers have contacted the company and we get no response. Please do not waste money with this company. She should have invested the money in any other investment.

My mom has had this policy since 1998. She died on July 11 2019. I have been trying to get them to pay out 5,000 since they got all the information. I have call twice a week and they keep tell me it pending. Well today I call them and they tell me I am not the beneficiary on the policy. They tell me it her. Okay how can she be the beneficiary on her own policy. They think online show daughter as beneficiary of her policy and the paper I have in my hand show my name as beneficiary. Beware. Do not get a policy through them. Also why did they not tell me this before when I called.

I have been calling for 4 months for my 82 year old father in-law to get a copy of his invoice. We paid in January 2019 for 3 months but never received a copy again. I have called 3 times received different story every time. I am not asking for personal info. Just the darn bill. They can't take a payment over the phone, you can't pay online, so you are at the mercy of them sending you a bill. God forbid should something happen after paying all these years he would have no coverage. What all for a lousy $5,000 but when you're on a fixed income that is needed to cover expenses after you are gone.

I had my agent cancel my medical policy with United American after not receiving evidence of coverage and needing coverage on May 1. After cancelling, United American continued to auto withdraw the premium from my checking account. I have requested reimbursement of two months of premium twice and my agent has requested reimbursement 3 times over two months and still no response or reimbursement from United American. This company are crooks and the worst customer service I have ever experienced with any company I have dealt with. Beware!

Run while you can. Horrible customer service. When you call they are rude, nasty & not helpful at all. They refuse to give you a phone number for the sales department when you ask and argue with you. The supervisor told me they are not allowed to give out that information. The only way you can get any information from is to talk to your salesperson. Customer service is not allowed to help at all. Such crap. Don't waste your time or money on this company.

First of all I was never told that this policy was no longer with Globe Life but given to United Insurance Co. and the bills still come from Globe Life. The first 5 phone calls they had no record of policy! Finally realized it was an old one so gave me number for United American. It took me from October, 2018 until April, 2019 for them to find a payment I made that they didn’t have a record of. Talked to numerous people. They had me jumping through hoops to prove I paid it electronically. Had to email pictures of my bank account, had to go to bank and have them copy info from my bank account and have bank fax to them. This was all for a $30.74 payment!

No check. Called back. 2nd time same response. No check. 3rd time told to go online and send information. No check. 4th time same message but said couldn't read information. To resend. This has been going on for 1 month. No check. No response. Getting runaround. I have mailed everything no response. Anita **. I think it is a scam.

We have a Medicare supplement insurance with this company, I thought it was a good program and a good value, that is until you have a problem and need customer service to follow through. Their policy is to make excuses and get you off of the phone as fast as possible. "There is a glitch in the system,", "That department is out to lunch", "I promise to return your call within the hour", are just a few of the excuses they have to get you off of the phone and not help. I have had a simple issue with them for 4 months now and it is still not resolved, terrible customer service. Based on that I would not recommend this company.

I just tried to look online for the provider phone number. I have a Medigap policyholder also. I called my policy holder's number. I put my ins number in as requested, a recording came on and then I was hung up (tried 3 times). People ask me all the time for a good supplement insurance, never will recommend them again. There is no excuse to treat your customers this way. I am changing my ins to another company and that I do not to pay for CROSSOVER FROM MEDICARE. WHY IN THE WORLD AM I PAYING TO HAVE MEDICARE CROSSOVER TO UNITED AMERICAN INS??? Their customer service has destroyed my respect for the company. You are only as good as your employees!

In 2003 I purchased a Renewable Term Policy, a Surgery and Hospitalization Policy and a Cancer Policy. My premiums have been drafted always so never missed one or was late. It was $348 a month for all three. I didn’t realize it at the time but now I know they are super expensive to what is available out there. Shop around, don’t buy from this company. Most importantly because they don’t pay their claims. I did not do due diligence and just now come to find out I’m paying $98 dollars a month since 2003 for benefit of $48,000. That’s highway robbery. Today in 2019 sixteen years older and I got $500,000 term for 20 years for only $112 a month. Shop around please.

This complaint involves Nick **, CLTC Independent Medicare Health Consultant #** State of FL Agent Number. Several months ago I contacted him in reference to health insurance as I would be retiring 01-31-2019. He was very helpful until I began asking pointed questions and expressed concerns about United American Health Insurance. Due to personal and unexpected medical issues I stopped communicating with him. This week I began to receive demanding text messages from him. I explained my reasons for not getting back to him and the final message that I received was beyond anything I could imagine.

They kept sending us bills. We cancel them in Dec. We picked another ins. co. They had the nerve to send us a bill for Dec and Jan. We spoke in Dec. and they still send us bills. I stop them from going into my bank acct. Whatever you do do not let them take the fees out of your bank acct. Also it takes forever to talk to anybody. I am so glad I got rid of them different plan. I now have Harvard which was cheaper. And easy to call and work with.

They refuse to take themselves off as a secondary of mine to Medicare. I worked for a company that they provided insurance. That company went bankrupt and United hasn't had me as an insured since 12/1/08 and is not a secondary, but are still on Medicare. Medicare says United has to remove themselves. They can't do it. Over all these years whenever I need medical Medicare is billed and United still has me as their secondary. I now have cancer which means many bills which my secondary doesn't receive. I then get dunning letters from the doctors et al. Reading these other reviews proves to me they should not have a license.

Had an Agent who lives in Lake Worth Florida contact me through a family relative. "TRUST ME I will take good care of you". I should have known just then to hang up on him. I turned 65 last August and he advised me that I HAD to go on Medicare. I advised him I was still employed and had a Company Hospitalization Plan. "You're 65 and you're entitled to this program. You worked for it," he tells me. What about my wife who is 3 years my junior?? "Oh she can go on Cobra the next three years. Don't worry." I sign up for Medicare at his direction and he sells me this top notch supplemental plan that I would never have to pay out of pocket for anything.

My sister-in-law is in a long-term facility at $3200 a month. A claim was filed with UA for the 4th month (must be in facility 90 days before claim can be filed at end of 4th month). A claim was faxed to UA with confirmation by the long-term care facility. Ten days later they say they have not received it. It was faxed and mailed again when they could find no record of them receiving the first one. Another 10 days later, they say they have not received a claim. I asked to speak to a supervisor today and got a recording. You are put on hold for hours just trying to talk to someone. To anyone trying to make a decision on a policy for long-term care, YOU DO NOT WANT THIS COMPANY! This has to be insurance fraud at its worse. Consumers pay for years for these policies while insurance companies get rich by not paying up. Note the other reviews - NO 5's, NO 4's, NO 3's, only two 2's and multiple 1's.

I have had insurance with United American since 2007. Fortunately for me, I have been relatively healthy and not had to file claims. Unfortunately, I needed surgery last summer to repair a torn rotator cuff. With about $20,000 in bills, UA is leaving me with over $16,000 to pay. I have made multiple calls and written letters without much help or even a satisfactory explanation. Their policy is worthless. I would owe less if I had negotiated a self pay cost. Stay away from UA!

This place is horrible!!! Please don't feel like you're desperate enough to give this crap hole one penny of your hard-earned income!!! I am soooooo thankful I have "real" health insurance now... so literally not that much more per month. I have a family history of breast cancer... I now owe a collection agency over 3 thousand dollars because of a series of tests. Please read the very tiny fine print before signing anything for this insurance company!!! They cover NOTHING. They don't even deserve one star.

Please read the small print before you buy. The price might be within your price range, but may not cover you in case of a claim. Customer service should be another concern if you are looking at coverage with this company.

When I signed up for this plan through an agent, I was told I had to have the payments deducted automatically from my bank account. After a year I switched to a Medicare advantage plan, having been told by Medicare that enrolling in a new plan meant being taken off the old one. I was shocked to find, in my Jan bank statement, that United American deducted payment for January ($309). I called them the next day and finally spoke to someone after a 45 minute wait! I told them I was on another policy and demanded a refund. Fortunately, I called my bank and told them not to allow any more deductions. The next week I received a bill from United American - for February.

I have had a life insurance policy on my mom for 13.5 years with United American. While waiting for the death certificate for my mom to be issued, I called United American Insurance to find out what they needed from me. I was told @ that time that it takes approximately 15 days to process a death benefit claim. I sent the requested documents on 10-18 via PRIORITY mail. I was under the misguided notion when your client sends something to you Priority it goes to the top of the pile. I got over that. I called to check the status of my claim on 11-04 & spoke to Ebony. She told me that claims take up to 3 wks to process but that she would check the status & return my call. She did not. I called her back, that is when I found that my documents were 'received' 10-24.

Reading these horror stories made me realize just how lucky I was. I was scammed out of $30,000 in premiums from 2010 through 2013 and learned when I had back trouble that their policy was totally worthless. When Obamacare came in in 2014 I quickly dumped these crooks and bought a Blue Cross Gold Policy. The next year I turned 65 and bought a Blue Cross Blue Shield Medicare Advantage Policy. Just last month I was hospitalized 7 days for pneumonia. My Medicare Advantage Plan has a yearly out of pocket cost limit of $3500. I shudder to think what I would have owed had this happened just 3 years before. UA are nothing but thieving crooks.

I needed pain medication for surgery and post surgical. This company denied coverage as medically not necessary. Both my surgeon and my regular doctor appealed as I was in great pain from lumbar surgery. They called with a ridiculous password ID system while I was on my recovery bed in great pain. When I finally got the info they needed their message was they were declining my appeals as the RX for pain medication they claimed was not necessary and not covered.

I recently had to change drug plans so I contacted Medicare and the representative helped me find a comparable nationwide plan which would cover my medications in all states. Well I get a letter stating that I should find a replacement medication for the medicine ** XR Caps. I am aware that this medication is usually prescribed to children and/or with ADD/ADHD. I have Multiple Sclerosis and my one debilitating symptom is fatigue. I have already tried several other drugs to combat this symptom and many were antidepressants that made me so sleepy that I would sleep the day away or I looked like a doped up zombie. I also tried ** and it worked until it messed up my stomach so bad, my doctor discontinued it for me. It didn't make sense that it did nothing for the fatigue except to say, I could not sleep when I needed to.

I have had insurance through United American since 2008 which means that I have paid them at least $15,000. I have never had any major surgeries until April and May 2015. The one surgery alone costs $20,765 and it shows that United American will only pay $3000. In my opinion, that is definitely a rip off considering how long I have been with this company and the amount that I have paid. I will definitely be looking for a new insurance company. It's pretty sad that there are so many bad reviews and this place is still in business.

My wife has not yet received the check. Been over two months and is getting nowhere with the people she calls.

2013 - signed up with UA for 2014 Part D. All was fine. Fall 2104 signed up for a new UA plan. Trusted UA to coordinate with Social Security to deduct from my SS check and pay UA. Failed to happen. I paid Jan and Feb. out of pocket. Learned today (4/28/15) that SS had paid then took money back from UA for those two months. I kept getting reassurance from US/customer service that SS would pick up payments, not to worry, but then would receive letters of non-payment. UA was unclear from the get-go about the process and failed to help get things squared with SS. I was just told by their Resolution specialist that I owe them for an unpaid month. The saga with UA is time consuming and totally inefficient. Did SS fail or UA? UA claims that they have no responsibility to resolve issues with SS and specifically to demand payment. I have not had any previous problems with SS. I will change insurers this coming Fall.

I purchased their Medigap insurance policy. After purchasing, I was informed that it would cost an additional $6.95 to have them do the "crossover" with Medicare or I would have to file all claims myself. I have had Medigap insurance for many years and this is the first time I was charged to have the claims processed. I'll be leaving United American as soon as I can. Real rip off artists. They should be ashamed of themselves.

Signed up after going over costs, formulary etc. Was denied a medication that I had been getting for over 10 years. Called customer service (45 minutes on hold) and was told that it was taken care of and the medication was approved. This turned out to be a lie. What followed was a barrage of robo calls from UA that required an input of Medicare #, AU account #, and date of birth.

In October I signed up for Medicare part D. After a in-depth review of the formulary drugs covered on each plan the government website stated that United American Prescription would be the best choice. I enrolled and thus far every script I have had filled has resulted in a formal letter stating that drug which is generic is no longer on the formulary list. More recently, I was informed by my pharmacy that I did not have any prescription coverage. After again contacting the company I was told that I was given new group and bin numbers. It had changed names to CVS /Caremark. This seems illegal and I do not know how formulary drugs can be removed monthly from the list.

Rx Problem 1: I switched my Part D coverage from Blue Shield to United America as of 1/1/15 based on premium and drugs costs on the medicare.gov website. One of my drugs was listed as $3 for a 30 day supply at a local retail pharmacy with United American. This is what I paid under my previous plan. When I picked up the Rx, the cost was $24.51. When I accessed the website of UA, the drug was listed as $24.51, not $3. I was told by my pharmacy to clarify this directly with UA. I have placed a call to them and I have now been on hold for 45 minutes.

I have tried to get information about policy benefits that were not addressed in the booklet. Four times I have waited on the telephone line for over half an hour and get nothing except that monotonous message saying I will be helped momentarily. Is there really people working at the end of these phone lines? Such poor service if you need a question answered. Can't wait to switch! I also want to question the premium taken out of the bank account, which is much higher than what the online chart says it should be. Sure would like some help with these questions.

Gave them my drug list and they said they covered them. They took out their monthly fee and when I went to get my prescriptions, SURPRISE. "We don't cover that." Claimed it was a new policy even though I had just joined days prior. Then when I want to cancel it, get the run-around. "We have to mail you a form" which takes a week for me to get. Then I fax it back and a week later, they call and say it is unreadable. Fax again and told it takes 3 days to receive a fax. Call back 3 days later and, "we can't find it." Ask to speak to someone in charge. Well only 1 person in that department can help me, they are not in and have no boss. No direct # to that department and I can't be transferred. They are a scam!!!!

They took extra money $4.00 a month out of my checking account. When I got this life insurance policy it was supposed to be for $5,000. When I received the policy it was for $3500. I should have realized it was a bad deal then. This bunch of legal thieves out to be in jail. DON'T USE THIS CO. They will get you.

They promised no donut hole gap in 2014 when they raised the prices last year. Boy did they lie. Spiriva went from $35 in March to $140 in April And Percoset went from $12 to $80 in one month. Try to talk to them is Insane.

Does the term Bait and Switch mean anything to you? Remember Jim Carrey In Liar Liar? Is it a training issue, is it a scripting issue? If an anal, cranial-ectomy was possible I would schedule one for the entire executive board and senior management team of this company. How can you do so much wrong to so many good people. SHAME ON YOU AND YOUR CEO. Its time for a customer satisfaction survey and ask for real feedback on your opportunities for improvement. Make sure it's postage paid. You are raping and pillaging your customer base. They will not be able to afford the stamp to return it to you. Listen to your customers before the population learns how you operate and the downsizing of your company begins and you are bought out by a private equity group who will break you up and sell you off like crickets for snakes.

I'm reading the same type of complaints about United American over and over. I have had the same problem in getting for one of my providers. The tactics that United American uses to delay payment are repetitive. Always asking for either different paperwork, or resubmission of the paperwork that has already been submitted. They illegally cancelled my Medigap policy last year. My written contract gives two ways that my policy can be cancelled, either by non-payment of the premium or by a WRITTEN notice from me. When I realized that I hadn't received my monthly bill, I called only to be told that I had cancelled my policy.

There was a very nice lady that helped when I signed up. Now that I have a question I called that same number, it was the enrollment group only. I asked her for the number of the area to call for a new card and prices on medications. She spent several minutes looking for all the numbers, she gave me the number for Medicare as she has no way to guide members if they call that number. What a poor impression they create by not having a number to reach someone, even the message machine did not say the name of the company, they assumed I had a 3-digit extension number. I am writing this up for their benefit, pull yourself together. You're on Eastern Time, we on the West Coast are not, do you think you could afford to keep some staff later for the PST. People, provide your sellers with enough data to make your company sound creditable.

My mom passed away in March 2013. She had paid her insurance premium since 1964 and when I filed a claim to pay for her funeral, United Insurance Company of America sent me death claim claimant's statement. I filled out the death claim and sent it back to them and they keep sending me the same death claim paperwork to fill out again. I have called them several times and each person tells me something different. And they refused to pay. My mom had paid her insurance premium for fifty years and they have given us the runaround. I would never use this company.

My dad paid premiums to United American for 23 years and happened to spend his final 38 days in a long term care facility. They filed a claim for benefits. When nothing was paid, my mother followed up with United American who said they had never received the claim. She went to the Long Term Care facility, got a copy of the claim and all attendant documents, and mailed them certified to United American.

When I was looking for a new health insurance policy, their lying salesman kept contacting me and finally convinced me to sign up for it. I should have read the fine print, I know. For the past three years, I've paid them $30,000 in premiums. I finally had the occasion to use it for a series of steroid injections for herniated disks in the lower back. That's when I found out that this policy is essentially worthless. They don't pay squat for anything! A measly $25 on an anaesthetist's bill of $600, and they pay a fraction of the costs for tests. My back doctor said the course of treatment involves three shots, but they will only pay for one "surgical procedure" for the same condition. These people should not be allowed to sell insurance. Avoid them like the plague...Total ripoff!

I spoke with a young lady over a year ago and told her to quit drafting my bank account for the premiums because I had lost the policy, and had no use for it. Guess what? You keep drafting it. Will you not listen? How do I get you to stop it? Can I get the money - any of my money back?

This company has an automated telephone caller. They call me daily about Medigap insurance, and I am 48 years old! You would think they would be more careful about the DNC list.

Medicare Gap Insurance - I made application through an agent. He directed me into UA and my wife to AARP. Checks were written to cover both. She got her insurance and I got not one, but two runaround way after the open enrollment period that my insurance was declined due to a quality control interview was not done. Reason: They could not reach me. My phone has a list a mile long with all incoming calls. They did not call. I called them and did the interview as required. As of today, I still do not have coverage and the letter states that no refund is due. Two days later, I got a letter from part D saying that things changed and some of my drugs are not on their list, and I should make other arrangements to get them. Yes, I pay for this as well. What a ripoff.

I already had a health policy from Blue Cross, but I had a $10,000.00 deductible. When my husband was looking into a medigap policy, the agent asked me about who I was covered by. When I told him, he said that I was going to be in a lot of debt. If I ever went in the hospital, he had me so worked up that he convinced me I needed a second policy to cover all the things that Blue Cross didn't. He told me I would never have to come out of my pocket for anything. The policy he sold me on March 6, 2007 for $ 257.95 a month was paid on up until this week (3-1-2012), when I canceled the policy because it didn't cover anything when I needed it - I have not ever used this coverage. I recently had problems with pain in my abdomen and I had to undergo several tests, which none were covered, so much for anything Blue Cross didn't cover. I am now in $50,000.00 worth of debt now. How can this happen?

My complaint is that for some reason we have been getting calls from United American Insurance at our home. We are on the "do not call list" and I had never even heard of them so I have no idea how they got our number. It's a pre-recorded message that's getting left on our answering machine.

I have submitted complaints four times now concerning problems with United American Insurance Company, including misrepresentation by local branch manager and his superiors. The full documentation is below and the incident is now fifteen months ongoing. The latest two events I have initiated is contact with the Texas Department of Insurance which would not address my concerns, but referred them back to Georgia. Georgia Department of Insurance has not addressed any of the state insurance law violations I have reported. Then on January 12th 2011, I wrote a long letter to newly elected Attorney General, Sam ** whose duties include, among others, serving as the attorney and legal advisor for all state agencies, departments, authorities and the Governor. And providing opinions on legal questions concerning the State of Georgia or its agencies, which are binding on all state agencies and departments. My letter was answered by Assistant Attorney General, Jeffrey ** who is not going to address my concerns.

I have submitted complaints four times now concerning problems with United American Insurance Company including misrepresentation by local branch manager and his superiors. The full documentation is below. The incident is now 15 months ongoing.

I filed two complaints about United American involving violation of state insurance laws and unfair business practices. One was published on United American website. How can I get exposure to these issues--media or otherwise--that will bring attention to the company and make them respond?

For nearly a year, I have dealt with a Branch Manager who misled me into applying for Med Sup policy promising a certain issue date to avoid having to pay a months premium with employer plan costing me over $500, a VP who scheduled a visit with me and did not show, a paralegal who promised on a recorded 3-way phone call with Ga Insurance Dept. representative to pay benefits during Jan 1-20, 2010 if I would agree to change issue date from Jan 1 to Jan 20, but now refuses claims those 20 days, and state insurance office that sides with the company instead of me, the consumer.

For nearly a year, I have dealt with a branch manager who misled me into applying for med supplement policy, promising a certain issue date to avoid having to pay a month’s premium with employer plan. It cost me over $500.00. A VP who scheduled a visit with me did not show. A paralegal who promised on recorded phone call to pay benefits during Jan 1-20, 2010 now refuses and claims those 20 days.

For nearly a year, I have dealt with a branch manager who misled me into applying for Med Sup policy promising a certain issue date (to avoid having to pay a month's premium with employer plan costing me over $500.00), a VP who scheduled a visit with me and did not show, a paralegal who promised on recorded phone call to pay the benefits during Jan. 1-20, 2010 but now refuses claims, and state insurance office that sides with the company instead of me, the consumer.

This company has violated several state insurance laws, allowed a manager to mislead and make promises not authorized resulting in over $800 personal expense, made promises by telephone which are recorded, denied and then failed to deliver, refused to pay claims, been sheltered by state insurance commissioner's office, had a vice-president who was to meet with me not even show up. This list is long and my warning strong to avoid this company like the plague.

I bought a Medicare supplemental insurance policy for age under 65, 7 months ago. They have denied every single claim that was ever submitted to them. They sent me denial notices because I had to wait for a six-month pre-existing condition clause. My agent said that as long as I had proof of an existing group plan I, the waiting period would be waived. They agreed when I told them that I had the certificate to have a guaranteed issue to purchase new health insurance. This insurance was purchased prior to the 63 days time allowance. I faxed the certificate to my agent and to United American.

I was just flat lied to by the agent for this company. She said my insurance was just like a PPO, that I could use my card at the doctor's office just like any reputable company, same with the dentist or pharmacy. I went to see a doctor, gave them the card then I got a letter from United saying the following: Your policy provides protection against the expense of accidental injuries. However, it does not provide benefits for treatment of an illness. In short, this company is a scam and I would be willing to bet that they never pay out anything towards anyone's claims. I highly recommend you to stay far away from this farce company.

After being a policy holder since 1998, I made my first claim in 2009. I had a colonoscopy, an endoscopy & my gallbladder removed. The latter has put me in the hospital for 2 full days. The total pay out from United American Insurance was only $200, which was barely 1/4 of what I calculated my policy should have paid. When I asked the insurance company, they explained that they only pay out $200 annually on the policy. This seems strange since my premiums are almost $600 per year. I believe this company is running a total scam and I suggest for others to avoid the mistake of working with United American Insurance.

We've been paying our premiums every month and pretty much every single claim gets denied (emergency room visit due to asthma, they paid nothing. Cancer surgery, they paid nothing). Why am I paying them every month since they don't seem to cover anything?

I went to work for United American and left a well-paying job. They promise prospective agents six figure incomes to lure them in. It did not take me long to figure out that working for this company is a joke. They give you about five days' training and then tell you that you have to sell 12,500 in ap or you are let go.

I signed up for two insurance policies. The United Insurance was to provide the "GAP" coverage so I was "100%" covered. I made my first claim on an emergency visit to the hospital. The claim was denied since it was an "outpatient". This was not explained to me by the agent when I purchased the policy.

I contacted them to buy "gap" insurance. It seemed like they had the product I needed. The local office on the first rep's business card took me to a home office across town. When I finally sat down with the rep, I found out that I could only buy certain denominations, I had to buy this to get that. But the clincher was when he told me that I had to set up an automatic "checking draft condition" so they could automatically deduct the premiums from my checking account monthly. When pigs fly, I'll let an insurance company have access to my checking account. These guys sound like a classic scam. I would never consider them again.

I spend a lot of time searching for insurance, and met with the UA agent twice. I asked a lot of questions and he answered them assuring me that the policy would cover and was well worth the purchase.

I had blood work done and a cat scan done. On the scan they only paid $300.00 out of $2303.00. Nothing much on the blood work which was $400.00. Another $612.00 and another $408.00. I have had this insurance since 2006, hardly ever used it till this year. When I called them it was always “that's not covered under this policy”. That's not what I was told when it was sold to me.

When reading the complaints, it is like reading my own story. They covered basically nothing. And get this, my pain meds with my American United Prescription discount card cost me $150+ a month. Without my insurance card, $40. Please someone tell me how that works!? I am about $60,000 in debt because I went to the doctor after I hurt myself and I was paying $300 a month for it. I have judgements against me; my doctor just fired me because I owe over $6,000. The doctor and I both thought I had insurance. As soon as it all became clear that they were not going to cover anymore of anything, we had already racked up this grand total. What do I tell the good doctor?

I purchased a United American policy for my whole family. We paid nearly $600 per month for the policy. The agent told us that it was major medical insurance and that it covered 80% of major medical expenses, and that UA was one of the premiere self-employment insurance companies in the country. My wife was in a serious accident where she broke seven vertebrae. The accident was not her fault. She had several hospital stays and one serious surgery. Total bill for cat scans, x-rays, hospital, and surgery now exceeds $80K. United American has covered about $16K. All my calls have been answered by desk clerks who all say the same thing: "We are not a major medical insurer!" I cannot believe it. This is exactly the opposite of what the agent who sold us the policy said it was; the exact opposite.