United American Insurance Company Reviews

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.

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.

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.

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.

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!

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!!