United American Insurance Company Reviews
3700 S. Stonebridge Drive, Dallas, TX
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About United American Insurance Company
United American Insurance Company was founded in 1947 on four core values: stability, service, quality and commitment. Today, United American Insurance Company offers life insurance, cancer and critical illness insurance and Medicare Supplement Insurance policies. The premiums for its whole life policies never increase. The company works with local and home office agents to sell policies. Globe Life Insurance Company of New York, along with United American, operates as a wholly-owned subsidiary of Globe Life Inc., with both divisions primarily focused on the sale of Medicare supplement policies.
- Nationwide coverage
- Strong critical illness policy
- Several Medicare supplement choices
- Limited selection of policies
- No live, online support
United American Insurance Company Reviews
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Reviewed June 10, 2008
They paid what my contract said, as far as I can tell. The problem is, that when you buy health insurance, you only know what is in your contract. You are also buying into the contract between the insurer, and the provider. In cheaper policies, those contracts are weaker, or non-existant. The provider can, and will,deny the most important insurance benefit of all. That is the negotiated rate.
When you buy insurance, you have no legal right to know beforehand what, if any, negotiated discount you will receive. The insurance pays what it pays, and you own the rest. Even if the insurance doesn't pay a dime, the biggest benefit is the discount, if it exists. If there is no negotiated rate, the hospital will give you a 10% discount, just to prevent you from applying for charity care.
Providers are now starting to say that any line item on the bill for which there is no payment, is not part of the insurance contract. Therefore, they can deny a negotiated discount, even if it is in the contract, because the contract between you, and the insurer denies payment. Providers are as guilty as insurers for this mess. Providers will try to treat each line in the bill as a separate contract for the purposes of denying a discount. But they want the bill taken as a whole in denying charity care.
My gross hospital bill was 7500. I sent my UB92 ( which the patient has a legal right to demand) Hospitalvictims.org told me that Medicare would have payed 3960. A large insurer would have payed about 4600. The hospital gave me a 10% discount, to prevent charity care. They offered me another 561 discount, to pay in full, in 10 days. I payed 2200. That is about 1600 more than if I had Blue Cross. This is a small bill, but I may need a major surgery soon. These principles will apply. My bill will be 2 to 3 times higher than the provider accepts from medicare. And my limited insurance won't pay much.
Reviewed May 23, 2008
Met with two sales reps from United American Insurance Company, explained to them that I was looking to obtain health insurance, due to college required that I have health coverage to participate in culanary arts program. I was lead to believe that I was purchasing a health insurance policy, however after 60 days and paying two months insurance premiums I received my insurance card which clearly indicated on the card, that THIS IS NOT INSURANCE.
Turns out what I am paying for is a discount program, which is not acceptable health insurance coverage by FCCJ requirments. I have now paid for three months for a policy that is absolutely not wanted I asked for or needed. I have sent a written request for cancellation, but am concerned about the misrepresentation made to me by the two sales reps.
Loss of three months premimums at $133.95 each month, unable to participate in elected college program because of lack of health insurance.
Reviewed May 3, 2008
I bought a Medigap policy on 4-3-1997. as I remember I paid a premium of $60 a month, taken from my checking acount by computer. Now Im up to $195 month. They say they have to raise my premiums each year because of hospital stays are getting more costly. I did NOT buy insurance covering hospital stays, as I use the VA medical facility. I did buy outpatient coverage or part b medical coverage to cover what Medicare does not cover in the doctors office. I bought what United American calls PLAN A, not to be confused with Part A medicare. Im only covered for outpatient services. They will not admit to this after many letters.
I have contaced the State Insurance board and they say Im right but they do nothing about it, perhaps because Im dealing with a Delaware Corporation. I am tired writing them as they will NEVER reply to my questions. Like a good politician, only beat arount the bush. Never answer directly if any answer at all. The last letter from them, today, the 3rd of may says if I want to cancel the policy to call a number in the letter. Nothing about my plan a which I bought. Nothing about anything I asked about, as usual.
Can you get me any action or help me with rebates for the many years they have overcharged me? Im 82 and I need some relief. Other companys may not be any different or I would change, but I want them punished for stealing from my only income, Social Security. I think they want me to cancel before I can stir up any trouble for them.
Consequences are they raide my premiums more than Medicare raises my annual increase in benifits. I cant keep on paying for insurance I didnt buy coverage for.
Reviewed March 19, 2008
I have been paying them almost $400.00 a month for what I thought was Heatlh Insurance. I find out after going into the hospital unexpectedly that they do not cover appt, scripts, or er visits or over night stay at the hospital. This is a scam I now have a 11,000 hospital bill not to mention Labs and XRAYS are billed seperate, etc.... I am furious, I called yesterday the number they provided and the C/S Rep starting laughing and then says to me oh well it's not my problem. I think with enough complaints from everyone against this company we can get together and file a class action lawsuit. I come froma family of lawyers and will be contacting the states attorney office today via this company.
As a result I now have to find out how I can pay $11,000.00 in medical bills I was told I was insured for!
Reviewed Feb. 29, 2008
We purchased a major medical hospital policy to cover the expense of being hospitalized. I had mentioned a Blue Cross & Blue Shield policy I was looking into for a lesser amount. I was told this policy, though a few dollars more, would be better in the long run because the hospital could not charge us over and above the amount the insurance company would cover.
Reviewed Feb. 7, 2008
we bought what we thought was health insurance,..they took payments every month,,,,,but when we had a claim,,they never paid claims,,the agent Jerry had every excuse ,,I found him to be no help...he was full of promises when we signed
I am setting up payments to hospital to get this paid
Reviewed Jan. 13, 2008
I am currently under contract working as an agent with United American Insurance Company. I have been sexually harassed and discriminated against by management. I currently have an attorney and hope that other women and men will not end up targeted for standing up to this unethical company!
I was retaliated against by holding renewals and agent statements. Called a peasant by management even though I wrote $250,000 in annual apr for them. I feel afraid for all the innocent customers I put in jeapardy due to false training on coverage!
Reviewed Nov. 23, 2007
I was searching for a job, so I posted my resume on-line. I got an e-mail responding to my resume from a company American Income. A telephone number was left, so I called and they took my information and said that they would contact me. About a week later I got an e-mail from United American Insurance offering positions; I called the number, they took my information, and they said they would contact me shortly. After that call, I realized the numbers were similar and the man I talked to sounded like the same man from the previous call.
I looked up the company and saw similar complaints, I also read that they do actually offer some jobs, but you only get paid by commission, no salary or hourly wage. Someone looking for a job shouldn't get their hopes up and waste their time contacting this company. I felt ridiculous when I thought that I had a job offer. They only ask your name, address, phone,and e-mail--nothing pertaining to skills or experience. It's a complete waste of time.
Reviewed Oct. 22, 2007
We were sold a United American Insurance policy that we thought we understood. It is supposed to cover $50.00 doctor visits, almost any emergency room visits. We were specificaly told that CAT scans were covered up to $3,000.00. Turns out they do not cover emergency room visits that do not have overnight visits. They said this was sent to us as a rider. We never received this rider. They do not cover anything even if it is stated clearly in our policy and have an excuse for every claim made (which are very few). After they paid nothing they raised our rates stating continual use. We are a very healthy family. Upon them reporting our emergency room visit with our son for an accident with no short or long term effects we are now not eligable for HMO insurance. Our family of 4 pay $600.00 per month and had two claimes in 3 years for a total of $4,000.00 of which we have paid $3,900.00. We cannot find any other insurance because of my sons CAT scan. United American Insurance Company misrepresented itself and put us one incident away from financial ruin.
Reviewed Sept. 26, 2007
I had an expensive Blue Cross policy with a $5,000.00 Deductible so of course we were looking for a better policy. I am overweight and have type 2 diabetes which is controlled. We were assured that while my premiums might be slightly higher, it would not be a coverage issue. WRONG!!!!
After intense questioning of the agents that appeared to discuss this policy we were assured that this is an 80/20 policy We were told to expect that the perscription policy was a little weak -- there is NO perscription coverage at all!!!
I guess when things sound to good to be true, they are. At no time during our conversation were we told that due to my pre exisiting conditions that I would not be covered for 180 days and when coverage did take place it would be reduced by 25% I had health insurance!!! I gave it up for literally no coverage.
We didn't get a copy of our policy for nearly a month and a half after we took the policy out. After going thru it we still did not see that there was no coverage for me. It wasn't until I went to a Doctor for a routine check-up was I informed that my 180 days were up yet! What?? I would give up insurance that was a sure thing for something that could literally cost me hundreds of thousands of dollars if something had happened to me. To add insult to injury, my premiums went up after 9 months by 153.71 a month!!! that was higher then any Blue Cross increase I had incurred.
Reviewed Aug. 2, 2007
health insurance 5/06 claim that only $300.00 can be payed for out patient services.I went for a MRI and they wouldnot pay because its out patient services. Then I stared getting bill from the Doctor, the physical therapy department that they had not payed all that was due. I had to cancel what did I need them for 5/07
Now I have bills for doctor visits and therapy and MRI, and cannot afford to go to a doctor. I have back and leg pain and cannot go to a doctor.
Reviewed June 14, 2007
I had an ER visit and was told I had a kidney infection. A week later, I returned to the ER with even more pain and was then diagnosed with kidney stones. Both claims were submitted to United American. The first bill was $601.00. The second (b/c I had to have a CT scan) was almost $2500.00. United American paid $300.00 on the first bill and $0.00 on the second.
When I called and questioned it, I was told that $300.00 is the maximum benefit per out-patient visit to the ER regardless of how much the bill is. (This is not what I was told by Angie, the rep who signed me up) So, when I asked why they would not pay the $300.00 on the second visit, I was told that I had the same diagnosis and they would only pay once per diagnosis.
When I told her that I had two separate diagnosis', she said that they were related.....how ridiculous!!!!! Because both had to do with the kidneys????? Look....!!I can have a kidney infection without a stone, I can have a stone without an infection. How in the world can they get away with saying that because they were related that they will not pay anything at all??? I truly believe that United American Insurance is running a scam. I would encourage anyone looking for Independent Health Coverage to avoid United American Insurance.
Also,I told the claims rep that I wanted to terminate coverage immediately. I informed her that I was calling my bank to let them know that I did not want any more automatic drafts taken from my account by United American. She said she was cancelling my policy as we spoke. I'm just curious to see whether or not they try to draft my account again....I guess we will see. If they do, expect another posting from me.
I have had to set up a payment plan with the hospital to pay the $2500.00 plus the doctor's fees and the radiology fees, which are separate. I'm a working mom with two daughters to raise.
Reviewed May 10, 2007
My wife's work place was called on by UAI to provide heath insurance to it's employees. The rep Mr Cotto was sent in with his good looks, good talk and a lot of paper and pamphlets. he offered what he called an affordable health coverage to all the employees and their spouse or family should they need it. Over and over this person emphasises on how the plan would cover 80% of the bills, any medical bills. We signed up with him my wife adding me to the policy.
Mr Cotto filled the formular HIMSELF, asking the questions, when he got to the existing condition part he filled up nothing because (his words) unless it is life threatening or some sort of cancer you don't need to put it in or it will cost more.
Since then my wife had two surgeries one for andometriosys and one to remove kidney stones. We were billed by the hopital with night stays, surgeries etc almost 15,000.00 each time. UAI covered ONLY up to $2,000.00 a day.
What happened to the you are covered 80%?. It turns out this policy is not a primary insurance but a secondary for those who ALREADY have health insurance. We were lied to, and misled since the biginning. we called, complained and still to this day ... a year later no solution. all we hear is how we should have gotten an explicit policy booklet.
If we pay to be covered up to $100,000.00 each why should we by limited to 2,000.00 a day? and why didn't the rep tell us that? and why didn't we know that it was a secondary insurance? Who covers hospital bills up to 2,000.00 nowaday knowing that a stay cost over 10,000.00?
I am now self employed and trying to make ends meet. We have credit card bills to pay and are facing a tough up hill battle by adding an extra 30,000.00 to pay on medical bills. we are now Without insurance once again and honestly feel like any other insurance will be as big of a crook as this one we trusted in. This health insurance issue has become a plague especially in a time were my wife an I are getting to a certain age where everything is possible.
Reviewed May 9, 2007
Doctors bills totaling over $6,000.00 Of which, United American Insurance paid almost $300.00. This place is the biggest scam.
Reviewed March 27, 2007
Dennis and Gerald gave my wife and I a sales pitch for their service. Stating we can use this insurance at any Doctor office, Hospital any time. Give them the ins card and they will file and we would receive a bill for our part later. I've tried multiple offices to see a doctor and they don't take the insurance. My wife has tried to make eye appoint. with participating offices and they don't take it as well. We've called the office to ask questions and they give us the we will look into this mistake and get back to you asap. They haven't called my wife for over 2 weeks. I finally had to goto the emergency room, I don't want to see my bill. I've read the other complaints and mine seems trivial but if this will help make a good financial decision for someone else I will be happy.
Reviewed Feb. 24, 2007
I have been throught the wringer with this company they have done nothing but lie everytime I speak with them. They take took 14 months to process and now they are doing everything they can do as to not pay another claim.
Reviewed Feb. 3, 2007
I used to verify and process UA's insurance applications. When I spoke with clients about their health info, I noticed that many of them would make slight complaints about how United American does not have a working Customer Service number. One client stated that she gave an agent a blank check and he told her that he would not cash until she gave the o.k., but he withdrew the funds premature to her expectations, causing her to miss the deadline on her car not payment. I have much sympathy for the many people who are being swindled by this company.
Reviewed Nov. 17, 2006
We now have a $4000 hospital bill that we have to pay.
Reviewed Nov. 12, 2006
Senior citizens in my community have been misled by this. Some contemplate changing their coverage, because they think the government is telling them to review their previously made choice for some reason, or that it should be changed.
Reviewed Oct. 24, 2006
I applied for United American Insurance in Aug '06. The only reason I was getting insurance was for preventative dr. visits and perscriptions. I was told that my Discount Perscription would lower my medicine from $55.00 a month to $15.00 a month. When I went to the Pharmacy they told me that it only took $1.50 off my perscription. I was paying $4 extra dollars a month for it. I am switching from United American today.
Reviewed April 8, 2006
A friend of mine not fluent in English asked me to evaluate a letter she had received from Medicare. The letter was sent by express and not by US mail. The outer and inner envelopes were prominently labeled Medicare and also Medicare logos This letter appears to deliberately mislead the recipient into beleiving it is from Medicare. It also carried a warning about the May 15 Part D deadline. I believe that info is not public. The enclosure was a very detailed official looking application for Medicare Part D insurance, not from Medicare but from United American Insurace Co.
Reviewed Feb. 2, 2006
My husband and I are now responsible for $3000 that we were supposed to be covered for completely as stated many times by the agent.
Reviewed Jan. 3, 2006
I signed my daughter & myself up for insurance in June with United American after several questions to BOTH of the gentlemen who aproached ME in MY store. I went on line with the BBB, and didn't find anything. Thought it was something that I could use, and depend on for us. Well... I guess I was 100% wrong!
After $600.00 plus in perscriptions, and over $2,500 in doctor fees and visits, I find out that the deductions WOULD have come at the time of service. (this doesn't even count my monthly insurance payments!) Now that it is over 10 days - (per phone answer person at UAIC) I am out of luck! Nothing was covered!
I was waiting for some amount of re-imbursement check from them. I went to a pharmacy that was on the list and also a doctor who was on the list, and all I am is frustrated, mad, feel scamned, and out lots of money. Then when I called to cancel, they STILL tried to deduct the payment out of my bank account!
Reviewed Sept. 23, 2005
We obtained insurance through UA in Nov. 2004 for my husband and stepson. At the time I was pregnant, so as soon as my group health insurance was over, we added my daughter to the policy.
We've had nothing but problems since. Much like the other complaints listed on this site, we were misled by the agent in many ways. We were never explained any of the riders/rules/ exceptions correctly. Only after getting a call from my pediatricians office telling us our balance was too high and we couldn't get my daughter's vaccinations unless we paid some of it off, did we find out how bad the insurance is.
The 1st yr well visit max is $500.... but we were not informed that this included vaccinations! So now I have a $788 balance to pay out of pocket and the yr isn't even over! We could've paid out of pocket instead of having insurance and it would have been cheaper! After less than a year, we now cancelled UA due to this crap!!!
We were not properly explained that in order to have a sick visit covered, she must have had the same illness 3 times!! How many kids have the same exact thing 3 times?? What good is a plan that doesn't cover sick visits regularly?
We also were led to believe we had dental insurance- only to find it is a discount program- and LIMITED at that! We found this out when we had to pay over $2000 for dental work for my stepson- and we looked like idiots showing up with a card only to be told it is not insurance nor a discount program that would even cover the work needed!
And lastly, the one time I tried to even use the prescription card for my daughters vitamin prescription, the retail store couldn't even find the info needed in the computer to help us!
This has just been one huge scam and financial burden!! We are a one income household as I became a stay at home mom after my daughters birth. ... These added expenses put a strain on us, not to mention being surprised with medical bills regularly!!
Reviewed March 24, 2004
I am only informing you that a agent came to my work and home showing me insurance (health) and I got busy at work so he said he would come by my home today at 4:30 pm. Well he did and I asked him the name of the company because I am shopping for insurance and if I don't recognize the company I will call my doctor and hospital to check and see if it's good. Well he didn't want to tell me the name of the company and all he wanted was a check.
Reviewed July 18, 2003
I have a balance of $20,000 on the hospital bill on which United American paid only $100.00. I had undergone chemotherapy for six months, had a mastectomy, and radiation. I have a medical bill from Oschner Hospital and Clinic that totals $105,000. I have not been able to work due to my health. I have only recently started receiving SSI after having been denied twice. I have also applied for Medicaid very recently and at the Ochsner Clinic, they do not accept Medicaid but to accept Medicare.
