United American Medicare Supplement Plans

United American Insurance Company is an American Insurance carrier specializing in Medicare Supplement (Medigap) policies. United American Medicare Supplement plans have been available to Medicare beneficiaries since 1966 when the federal health program began. These plans are considered some of the oldest and most reputable Medicare Supplement plans available today.

United American has earned consistently high ratings from A.M. Best as a company. For over 40 years, United American has earned an A+ rating. Additionally, the carrier is popular among beneficiaries. Below, we review United American Medicare Supplement insurance plans.

United American Medicare Supplement Plans for 2023

United American Medicare Supplement plans are a secondary option to Original Medicare (Medicare Part A and Part B). Once enrolled in Medicare Part A and Medicare Part B, you do not receive 100% coverage for medical costs. Because of this, you can enroll in a Medicare Supplement plan to help offset your out-of-pocket costs.

These plans are also great for those who want the freedom to choose their own doctors and hospitals. You can use Medicare Supplement plans anywhere that also accepts Original Medicare regardless of the carrier you enroll in. This is great news for those who wish to enroll in a United American Medigap plan because your coverage will never be denied as long as your provider accepts Original Medicare.

United American was one of the first companies to offer Medicare Supplement plans and is still offering high-quality plans today. The carrier offers all 12 standardized Medicare Supplement plans. However, not all states offer all plans. So, you’ll want to be sure your selected plan is available in your area before you decide to enroll.

Best United American Medicare Supplement Plans

Choosing the best United American Medicare Supplement plan is difficult as each plan offers different benefits that can be helpful in different situations. The best United American Medigap plan for you may be different than the best plan for your coworker, spouse, or neighbor.

However, across the board, the best Medicare Supplement plans for most needs tend to be Medicare Supplement Plan F, Plan G, Plan N, or a high-deductible plan depending on your financial situation and healthcare needs.

While the monthly premium is a huge factor for many people when enrolling in a Medigap plan, it shouldn’t always be the deciding factor. Often, high out-of-pocket costs are masked by low premiums. Thus, when you receive care, you’ll be spending much more than you would with a plan that costs a little extra each month.

To find the best United American Medicare Supplement plan, it is essential to consult a licensed agent who specializes in Medicare coverage. This way, you’ll be able to make a more informed decision regarding the best plan for you.

United American Medicare Supplement Plan F

United American Medicare Supplement Plan F is the most comprehensive Medicare Supplement plan as it covers all the out-of-pocket costs left behind by Original Medicare. Essentially, your only cost with a United American Plan F is your monthly premium.

Out-of-pocket costs covered by United American Plan F include:

• Medicare Part A deductible
• Medicare Part B deductible
• Medicare Part B coinsurance
• Excess Charges

It is important to note that not all Medicare enrollees are eligible for Medicare Supplement plan F. To enroll in this plan, you must have been eligible for Original Medicare prior to January 1, 2020. If not, you will not be eligible for this plan as it is being phased out. However, if you were eligible before this date, you can enroll in Plan F at any time.

United American Medicare Supplement Plan G

United American Medicare Supplement Plan G is a type of Medicare Supplement insurance policy that provides comprehensive coverage for costs left over by Original Medicare.

While the benefits of United American Plan G are comprehensive, it is important to note that it may not be available in all states and may vary in cost depending on location and other factors.

Medicare Supplement Plan G through United American covers all of your out-of-pocket costs after you pay the Medicare Part B deductible. Thus, once you pay the Medicare Part B deductible, your United American Plan G essentially turns into a Medicare Supplement Plan F, as it covers 100% of your remaining Medicare-covered costs.

More and more beneficiaries are enrolling in Medicare Supplement Plan G because of its low monthly premium. When compared to other Medigap plans, Plan G often is the most cost-effective.

United American Medicare Supplement Plan N

Lastly, Medicare Supplement Plan N is a popular plan for beneficiaries who do not visit the doctor as often or do not mind paying $20-$50 copays when they receive medical services.

United American Plan N leaves you responsible for the following:

• Medicare Part B deductible
• Medicare Part B copayments
• Medicare Part B excess charges

When you enroll in United American Plan N, it is essential to understand if your state allows excess charges. If you live in one of forty-two states which allow excess charges, you may pay higher costs for your healthcare services, although, these charges are rare.

Medigap Plan N through United American is a great option for someone who goes to the doctor for annual exams but still wants coverage in the case of an emergency.

Applying for a United American Medicare Supplement plan is simple. To be eligible for a United American Medicare Supplement plan, you must:

• Be enrolled in Medicare Parts A and B
• Live in the service area where the plan is offered

The best time to enroll in a United American Medigap plan is during your Open Enrollment period. It’s important to note that outside of this period if you have a pre-existing condition, you may be subject to medical underwriting, which means the insurance company may review your medical history and decide whether or not to offer you coverage.

If you meet the eligibility requirements, you can contact United American or a licensed insurance agent to learn more about the Medicare supplement plans they offer and enroll in a plan that meets your needs.

United American Medicare Supplement Plan Rate Increases

United American Insurance Company Medicare Supplement plans aim to keep costs as low as possible for their clients. It is never their intention to make beneficiaries pay more than necessary for health insurance and services. On average, across all plans, United American Medicare Supplement plans increase in price by 3% year over year. Of course, this number can vary due to several factors, including location and inflation rate.

The best way to keep your rates as low as possible is to work with a broker who understands each carrier and how their prices work. Our licensed Medicare agents represent multiple insurance carriers and will be sure you are constantly enrolled in the lowest-cost plan for your needs.

Below is an example monthly premium chart for both male and female beneficiaries aged 65 and 75 with no tobacco use in the last 12 months.

Remember, the above premiums are only examples of what you could pay for a Cigna Medigap plan. Your unique premium is based on several factors that may not be accounted for above. Additionally, Plan F is only available to those eligible for Medicare before 1/1/20. 

Is United American a Good Medicare Supplement?

Medicare Supplement Plan F, Plan G, and Plan N are notorious for being named the top-rated Medicare Supplement plans. While this can be true for many carriers, United American has taken a different approach to what they define as best.

With their clients in mind, United American supplemental insurance was the first carrier to offer a high-deductible Medicare plan. The High-Deductible United American Medicare Supplement Plan F and High Deductible Plan G were created to bring affordable, comprehensive healthcare to all Medicare beneficiaries. A higher deductible allows the plan to become more affordable with all the same benefits as a Medicare Supplement plan. The High-Deductible United American Medicare Supplement Plan F and High Deductible Plan G were created to bring affordable, comprehensive healthcare to all Medicare beneficiaries. A higher deductible allows the plan to become more affordable with all the same benefits as a Medicare Supplement plan.

United American is still highly praised for its high-deductible Medicare Supplement plans, and they continue to be the most highly enrolled United American Medicare Supplement plans.

If you enroll in a United American High-Deductible Medicare Supplement Plan G, the carrier gives you a chance to enroll in a standard Medicare Supplement Plan G on the second annual policy anniversary date with no underwriting health questions. This is a perk only offered by United American Medigap plans as a thank-you to their policyholders. Avoiding underwriting questions after your Initial Enrollment Period is important because this means you cannot be denied coverage based on your health.

United American Medicare Supplement Plan FAQs

How to Find United American Medicare Supplement Plan Rates

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