United American Insurance Company has been offering supplemental Medicare plans since the federal program began back in the mid-1990s. This makes United American a trusted carrier for your supplemental Medicare plan.

Medicare-qualified beneficiaries can rest easy knowing there’s a company out there that will work with them. For almost 50 years, they’ve been providing truly custom policies to meet the demanding needs of members all across America.

United American Supplemental Medicare Plans Offered

Currently, United American only offers Medicare Supplement plans. As of now, they do not offer Medicare Advantage or Part D prescription drug plans.

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

Medicare supplement insurance is designed to fill in the gaps left by traditional Medicare. It provides coverage for areas where it lacks, such as deductibles and copayments but not coinsurance.

Medicare is a great program for eligible beneficiaries who need assistance with their medical expenses. There are 10 different policies lettered A-N. Each one provides its own set of benefits that are standardized by the federal government. This means benefits won’t change between carriers.

United American offers Medicare Supplement plans in all states with the exception of Massachusetts, Wisconsin, and Minnesota. They offer all letter plans in almost all states.

The below states have limited letter plan options through United American:

United American Medicare Supplement Letter Plans

The most popular letter plans include Plan G, Plan N, and for those eligible, Plan F. If you became eligible for Medicare after 2020, you’re considered newly eligible. This means you cannot enroll in Plan F. If you fall in this category, Plan G will get you the most benefits.

The only cost-sharing you’ll have with Plan G outside the monthly premium is the Part B deductible. Currently, the Part B deductible is $233. With Plan N, you’ll have small copays to pay at the doctors’ office and hospital. However, your monthly premium will be significantly lower.

If you’re looking for a cost-sharing plan, which will keep your premium lower, you’ll want to look at Plan K or Plan L. Plan K will cover 50% of your cost-sharing, while Plan L will cover 75% of your cost-sharing.

When to Enroll

The best time to enroll in a Medigap plan is when you first start your Part B. When your Part B becomes effective, your 6-month open enrollment period for a Medicare Supplement plan beings. During this window, you’ll be able to enroll in any letter plan you choose without having to go through medical underwriting.

However, you can still enroll in a plan at any time of the year. The only difference is outside your 6-month OEP window, you’ll have to answer health questions and go through medicare underwriting.

Reviews and Ratings

A.M. Best Rating A+
Standard & Poor’s Rating A+
Moody’s Rating No Rating

FAQs

How is United American Insurance rated for a Medicare Supplement plan?

United American has an A.M. Best Rating of an A+ and a Standard & Poor’s Rating also of an A+.

Where is United American Medicare Supplement accepted?

They offer plans in all states with the exception of Massachusetts, Wisconsin, and Minnesota.

How much is a United American supplemental Medicare health plan?

This depends on which letter plan you enroll in. The average premium can range anywhere from $50-$300 per month.

How to Enroll in a United American Medicare Plan

United American Medicare Supplement plans offer comprehensive coverage to eligible beneficiaries, and there are a variety of options to choose from. If you’re looking for supplemental insurance to help cover the costs that Original Medicare doesn’t, then a plan from United American is a great option.

You can call us today or complete our online form to get started comparing rates and benefits from some of the best-rated plans in the industry. With so many options available, we’re sure you’ll find one that fits your needs and budget.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. 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.