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United American Medicare Supplement Plans


United American Insurance Company is an American Insurance carrier specializing in Medicare Supplement 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.

United American Medicare Supplement Plans for 2022

Medicare Supplement plans are a secondary option to Original Medicare (Medicare Part A and Part B). Those enrolled in Medicare Part A and Medicare Part B do not have 100% of their medical costs covered. Because of this, they can enroll in a Medicare Supplement plan to help offset their 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.

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.

Best United American Medicare Supplement Plans

Based on the correlation between coverage and cost, it is safe to say that Medicare Supplement Plan G is the best Medicare Supplement plan available, with Medicare Supplement Plan F and Plan N not too far behind. Even though Plan F is the most comprehensive Medicare Supplement plan available, it is often more cost-efficient for the beneficiary to enroll in Plan G due to its low monthly premium.

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.

Out of pocket costs covered by Medicare Supplement Plan F includes:

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

When you enroll in Medicare Supplement Plan F, the only costs you are responsible for are the Medicare Part B premium and the Medicare Supplement Plan F premium.
Medicare Supplement Plan G works similarly to Plan F. However, it does not cover the Medicare Part B deductible.

Once you pay the Medicare Part B deductible, your Medicare Supplement 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 the Medicare Supplement Plan G because of its low monthly premium. Compared to Medicare Supplement Plan F, you could save close to $50 each month. This savings covers the cost of the Medicare Part B deductible in just a few months.

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

What is the Best United American Medicare Supplement Plan?

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 was the first carrier to offer a high-deductible 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 the 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 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 Rate Increases

United American aims 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.

United American Medicare Supplement Plan FAQs

Is United American a good Medicare Supplement?
United American is one of the highest-rated companies for Medicare Supplemental insurance. In many states, the company offers all 12 standardized Medicare Supplement plans, giving beneficiaries several options to choose from.
Where is United American Medicare Supplement Accepted?
United American Medicare Supplement plans are accepted at any doctor or hospital that accepts Original Medicare. There is no network that you must stay within for care when you enroll in a Medicare Supplement plan.
Is United American insurance part of Globe Life?
Yes. United American insurance company is entirely owned by Globe Life and works as the company’s subsidiary.

How to Enroll in a United American Medicare Supplement Plan

When you choose to work with an agent at MedicareFAQ, you get peace of mind by working with a knowledgeable licensed Medicare agent who has your best interest in mind.

It can be next to impossible to stay up to date on all the Medicare changes – this is where our knowledgeable licensed agents come in! We ensure our clients are up-to-date with Medicare information and fully understand their Medicare coverage.

To begin your free Medicare plan comparison, complete our online rate form! If you prefer to speak with one of our licensed Medicare experts, please call the phone number above.

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Sources:

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. Medicare Supplement Policies, United American . Accessed May 2022.
    https://www2.unitedamerican.com/medicare-supplement-policies

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

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