United American Medicare Plans Review
United American Insurance Company offers Medicare Supplement (Medigap) insurance in several states. In our review, we detail the plans they offer, what they cover and how you can compare plans and apply for a United American Medicare plan.
United American Insurance Company was founded in 1947, and today it operates as a subsidiary of Globe Life Inc., a publicly traded insurance holding company selling life insurance, cancer and critical illness insurance, group health insurance and Medicare insurance. The company is headquartered in McKinney, TX, with locations in six additional cities.
United American has maintained an A rating for financial strength from A.M. Best for more than 40 consecutive years.
There are three types of private Medicare insurance: Medicare Advantage plans (Medicare Part C), Medicare Part D prescription drug plans and Medicare Supplement Insurance, also called Medigap. United American sells Medicare Supplement Insurance but does not offer Medicare Advantage or Part D plans.
Medicare Supplement Insurance provides coverage in the areas where Original Medicare (Part A and Part B) leave coverage gaps in the form of deductibles, copayments and coinsurance.
While plan selection can vary by state (see below), United American sells nine of the 10 standardized Medicare Supplement Insurance plans that are available in most states.
The chart below details which Medicare out-of-pocket costs are paid for by each type of Medigap plan.
|Medicare Supplement Benefits||A||B||C1||D||F1||G||K||L||M||N|
|Part A coinsurance and hospital costs||✓||✓||✓||✓||✓||✓||✓||✓||✓||✓|
|Part B coinsurance or copayment||✓||✓||✓||✓||✓||✓||50%||75%||✓||✓|
|First 3 pints of blood||✓||✓||✓||✓||✓||✓||50%||75%||✓||✓|
|Part A hospice care co-insurance or co-payment||✓||✓||✓||✓||✓||✓||50%||75%||✓||✓|
|Co-insurance for skilled nursing facility||✓||✓||✓||✓||50%||75%||✓||✓|
|Medicare Part A deductible||✓||✓||✓||✓||✓||50%||75%||50%||✓|
|Medicare Part B deductible||✓||✓|
|Medicare Part B excess charges||✓||✓|
|Foreign travel emergency||80%||80%||80%||80%||80%||80%|
|1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,700 in 2023. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $6,940 in 2022. Plan L has an out-of-pocket yearly limit of $3,470 in 2023.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.
United American Medigap Plans A and B
Offering very basic coverage, Plan A or Plan B may be a good fit for those looking for basic benefits and who don’t want to pay for benefits they don’t expect to use. If you don’t typically receive many health care services each year and don’t anticipate many out-of-pocket Medicare costs, these plans may be worth exploring.
United American Medigap Plans K, L and N
Plans K, L and N are more middle-tier plans for beneficiaries who might be looking for a little more coverage than Plan A and Plan B.
Medicare Supplement Plan K and Plan L each come with an annual out-of-pocket spending limit. This means that after you spend a certain amount in out-of-pocket Medicare costs for the year, your Medigap plan covers the rest of your covered care costs for the remainder of the year.
If you’re more comfortable with paying a lower monthly premium and don’t anticipate using your plan often but still want the protection of an out-of-pocket spending max, Plan K or Plan L might be a good fit for you.
Plan N typically offers lower monthly premiums than some other types of Medigap plans. With Plan N, you may have to pay a copay of up to $20 for some doctor’s office visits and a copay of up to $50 for visits to the ER that don’t result in being admitted for inpatient hospital care. If you don’t mind these small but predictable copayments and appreciate the monthly savings on lower premium costs, Plan N might be the best plan for you.
United American Medigap Plans C, D, F and G
Plans C, D, F and G are high-level plans that cover more Medicare costs than the other types of Medigap plans. These plans might be a good choice for beneficiaries who are looking to minimize their out-of-pocket Medicare spending and those who want to reduce or eliminate the chance of surprise medical bills.
It’s important to note that Plan C and Plan F are no longer available for new Medicare beneficiaries. If you first became eligible for Medicare before January 1, 2020, you can apply for Plan F or Plan C if they’re available where you live. If you became eligible for Medicare after this date, however, you won’t be able to apply for either plan.
United American sells Medigap insurance in 48 states and the District of Columbia.
The only states where you will not find United American Medicare plans are Massachusetts, Minnesota and Wisconsin.
United American sells the following Medicare Supplement plans in the following states:
- Florida: A, B, C, D, F, G, N
- Hawaii: A, B, F, G
- New Jersey: A, C, D, F, G, N
- Pennsylvania: A, B, C, D, F, G, N
- Vermont: A, B, C, D, F, G, N
- Virginia: A, B, C, D, F, G, N
- Washington: A, B, C, F, G, N
In other states, United American sells Plans A, B, C, D, F, G, K, L and N.
A Medicare Supplement Insurance plan purchased from United American may be used anywhere in the U.S. where Original Medicare is accepted. There are no network restrictions with Medigap, and every Medigap plan will be accepted by any health care provider who accepts Medicare Part A and Part B.
That means a Medigap plan from United American allows you to travel freely about the country, and your coverage will go with you.
In order to be eligible to enroll in a Medicare Supplement plan from United American, you must meet the following requirements:
- You’re enrolled in both Medicare Part A and Part B.
- You live in the area where the plan is sold. While you may use the plan in any state, you can only purchase a plan that is available in your location.
The cost of United American Medicare plans can vary for each individual. Contact United American directly to receive a quote for your plan.
The two biggest factors that affect the cost of Medigap premiums are plan selection and location. Rates can fluctuate from one state or area to another based on competition and other market factors.
You may enroll in a United American Medigap plan at any time throughout the year. However, the best time to enroll is when you have what’s called a “guaranteed issue rights,” such as during your Medigap Open Enrollment Period.
Your Medigap Open Enrollment Period is a 6-month period beginning the month you are enrolled in Medicare Part A and Part B and are at least 65 years old. For most Medicare beneficiaries, the Medigap Open Enrollment Period coincides with the first 6 months they have Medicare benefits.
During this enrollment period, insurance companies like United American are not allowed to base your premiums on your health.
If you wait until your enrollment period is over to sign up – or if you apply for a plan during another period when you don’t have a guaranteed issue right –insurance companies may use medical underwriting to determine your plan rates or to deny you coverage altogether. If you are in poor health or have certain conditions, you may be charged higher plan premiums.
You may contact a licensed United American insurance agent to discuss the plan options available in your state and begin the enrollment process.