Today’s Options Life Insurance Company is a subsidiary of the Universal American insurance network. Today’s Options specifically provides Medicare Advantage plans (including their signature Today’s Options Medicare Plans) to the Southwest and Northeast regions of the U.S. Their new parent company, Universal American, has been providing insurance policies to customers for over 40 years.

Key Takeaways

  • Today’s Options Insurance is a subsidiary of the Universal American network.
  • The company services qualifying seniors primarily in the Southwest and Northeast regions of the U.S.
  • Today’s Options exclusively offers Medicare Advantage (Part C) plans.
  • Seniors in the Texas or New England areas are likely to find the best rate for a Today’s Options Medicare Plan.

Affiliated Brand Names

  • Today’s Options
  • Today’s Options of Pennsylvania Inc
  • Today’s Options of Texas Inc
  • Universal American Corp

Company Highlights

  • Over 40 years of insurance industry experience
  • Specializes in senior care
  • Universal American is a Fortune 1000 Company

Today’s Options Medicare Plans Offered

Today’s Options is working in collaboration with Universal American in order to provide various Medicare Advantage plans with prescription drug coverage to qualified seniors. For the most part, Today’s Options plans are available in the Southwestern and Northeastern United States.

Medicare Supplement Plans NO
Medicare Advantage Plans YES
Medicare Part D Drug Plans YES

Today’s Options Medicare Plans Comparison

Have you been comparison shopping for your Medicare supplement insurance policy yet? If not, you should definitely start. We’ve already taken the first step for you. Just look at the bar graph below. The data presented shows how Today’s Options compare to average prices across the country.
This Table Represents National Average Costs of Medicare Supplement Plans

Plan Type Starting From Part A Deductible Part B Deductible Excess Nursing Travel
Plan C $118* $0 $0 Not Covered 100% Covered 100% Covered
Plan F $116* $0 $0 100% Covered 100% Covered 100% Covered
Plan G $105* $0 $233 100% Covered 100% Covered 100% Covered
Plan B $104* $0 $233 Not Covered Not Covered Not Covered
Plan N $70* $0 $233 Not Covered 100% Covered 100% Covered
Plan D $97* $0 $233 Not Covered 100% Covered 100% Covered
Plan A $69* $1,556 $233 Not Covered Not Covered Not Covered
Plan L $76* $389 $233 Not Covered 75% Covered Not Covered
Plan K $45* $778 $233 Not Covered 50% Covered Not Covered
Plan M $97* $778 $233 Not Covered 100% Covered 100% Covered

Financial Strength Ratings

For smaller companies or companies which are small affiliates of larger parent companies such as Today’s Options, it can be hard to get a clear idea of how reliable their financial strength is. But United American is a fairly large company, so keep that in mind when reviewing the table below.

A.M. Best Rating NR (Not Rated)
Standard & Poor’s Rating No Rating
Moody’s Rating No Rating

*Ratings as of 2/17/15

Today’s Options Review

Today’s Options is a part of a loose-knit group of senior-oriented health care providers across the U.S. Today’s Options primarily services customers in the Texas and New England areas, but other members of the Universal American family may be offering Medicare supplement packages near you.

  • Market Experience
  • Fast Claims Processing
  • Strong Financial Reserves
  • Competitive Rates
  • Customer Satisfaction

How To File A Claim With Today’s Options

Telephone Number: 1-866-249-8668

To speak with a person:

  1. Press “1” for English
  2. You will then be transferred to a live customer service representative

Company Contact Information

Customer Service:


Mailing Address:

Universal American

P.O. Box 740445

Houston, Texas 77274-0445

How To Get A Rate Quote

Customers looking to get a rate quote, or learn more about Today’s Options Medicare Plans have 2 options:

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.