The bottom line: United American Insurance Company offers a wider variety of Medigap plan types than most competitors. It sells every plan type except for Plan M in most of its 47 states. But the company’s prices can be high, and discounts aren't available. Jump to: Full Review
United American Insurance Medicare Supplement Insurance pros and cons
Pros
- Plan selection: United American Insurance offers nearly every Medigap plan type in most states.
Cons
- Pricing: United American Insurance’s premiums can be much higher than competitors'.
- No online quotes: You can’t get online price quotes from United American Insurance. You need to contact an agent.
Compare against other providers
🔍 AARP/UnitedHealthcare Medigap
» More options in our roundup of the best Medicare Supplement Insurance companies
Compare against other providers
🔍 AARP/UnitedHealthcare Medigap
» More options in our roundup of the best Medicare Supplement Insurance companies
Our full review
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United American Insurance Medicare Supplement Insurance rating
United American Insurance Company earned 2.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing, coverage options, online quote availability, complaint data and more.
United American Insurance Medicare Supplement Insurance plans
United American Insurance offers as many as seven Medicare Supplement Insurance plans for any Medicare member (plan availability varies by location):
Medigap Plan A — the basic benefits included in every Medigap plan without any extras.
Medigap Plan B — basic benefits plus coverage for the Medicare Part A deductible.
Medigap Plan D — a mid-cost option that covers most Medigap benefits.
Medigap Plan G — the highest-coverage option available to new Medicare members. Available as a high-deductible plan in certain locations.
Medigap Plan K — the lowest-cost Medigap plan, with 50% coverage for most benefits.
Medigap Plan L — a low-cost option with 75% coverage for most benefits.
Medigap Plan N — a plan with lower premiums but higher copays.
United American Insurance also offers Medigap Plan C, Medigap Plan F and the high-deductible version of Plan F (in certain locations) for individuals who were first eligible for Medicare before 2020. Newer Medicare members can't buy these plans from any insurance company.
United American Insurance also offers plans in Wisconsin that fit the state’s standards. (Massachusetts, Minnesota and Wisconsin don't use the same Medigap plan system as the rest of the country.)
More Nerdy Perspective
United American Insurance doesn’t score well on NerdWallet’s rubric. While it offers more Medigap plan types than competitors, there are a lot of downsides. Prices are high, discounts aren’t offered, and competitors offer stronger perks. I recommend taking a look at quotes from at least a few companies. Also consider working with a licensed insurance agent or broker to find a Medigap option that fits your needs.
How much does United American Insurance Medicare Supplement Insurance cost?
Medigap premiums from United American Insurance are high — sometimes more than double the competition. Its prices for Plan G were about 89% higher than the least expensive alternative, on average. For Plan N, United American Insurance’s premiums averaged 125% higher.
- How we evaluate Medigap companies’ prices
We compare prices in three cities. Each city has different average Medigap premiums:
Los Angeles: Higher costs.
Atlanta: Average costs.
Dallas: Lower costs.
We use Plan G and Plan N for price comparisons. New Medicare members usually pick one of those plan types.
The sections below show price estimates filed with the Centers for Medicare & Medicaid Services. Prices are for a 65-year old female nonsmoker. (Note: Some Medigap prices may be higher for males.)
Our tables compare the company’s prices to the cheapest alternative. For example, United American Insurance's best price for Plan G in Los Angeles is next to the lowest price from any company on Medicare.gov for the same plan.
Plan G
United American price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $248. | $162. |
Atlanta | $302. | $120. |
Dallas | $165. | $101. |
Plan N
United American price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $209. | $124. |
Atlanta | $226. | $86. |
Dallas | $183. | $75. |
United American Insurance Medigap discounts
Below-average discounts
Some Medicare Supplement Insurance companies might offer premium discounts to qualifying enrollees. Examples could include discounts for bundling, auto-pay or living with another adult.
Unlike most competitors, United American Insurance doesn’t advertise Medigap premium discounts.
United American Insurance member complaints
13% more complaints than average
United American’s complaint rates are pretty typical. Its members file complaints about their Medigap policies about 13% more often than the average for all companies. That’s according to 2022 to 2024 data from the National Association of Insurance Commissioners (NAIC) for parent company Globe Life.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
United American Insurance's spending on care
73.8% for member benefits
United American Insurance spent about 73.8% of the Medigap premiums it collects on member benefits, based on the most recent annual data. (The other 26.2% went to overhead expenses like administrative costs, marketing, salaries and commissions.) For comparison, the average for all providers is 83.9%.
Medicare Supplement Insurance providers must report data on the premiums they collect and how much they spend to provide benefits for members. The minimum required by law for individual Medigap policies is 60%.
Additional benefits
Medigap plans are standardized, but companies can offer extras on top of the Medicare benefits.
United American Insurance members may be eligible for discounts from certain pharmacies and dental, vision, hearing or chiropractic providers. Check plan materials to confirm what’s offered and whether there are participating providers in your area.
United American Insurance Medicare Supplement Insurance service area
United American Insurance offers Medicare Supplement Insurance plans in Washington, D.C., and every state except for Massachusetts, Minnesota and New York.
United American Insurance's parent company Globe Life covers about 214,000 Medigap members. Its share of the total Medicare Supplement Insurance market is about 1.3%.
Compare Medicare Supplement Insurance companies
Get more information below about some of the major Medicare Supplement Insurance companies. These insurers offer Medigap plans in most states, but specifics may vary depending on your location.
Find the right Medicare Supplement Insurance plan
Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company offering the plan. So when you shop, keep these considerations in mind to find the best policy to fit your needs:
Is your preferred plan available? Health insurance companies don’t always sell every plan, so check who sells the plan you want to buy in your area.
What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates.
Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.
Are there extras? Medigap plans’ core benefits are standardized, but in certain cases, some companies include such perks as discount programs or gym memberships.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
- Nearly every Medigap plan type is available in most states.
- Premiums aren't very competitive.
- No online quotes.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Jul 28, 2025.
- 2.National Association of Insurance Commissioners. Company Complaint Index. Accessed Jul 28, 2025.
- 3.National Association of Insurance Commissioners. . 2023 Medicare Supplement Insurance Experience Reports (Direct Premiums Earned; Direct Claims Incurred). Accessed Jul 28, 2025.
- 4.Code of Federal Regulations. Title 42, Part 403, Section 215. Accessed Jul 28, 2025.
- 5.National Association of Insurance Commissioners. 2023 Medicare Supplement Loss Ratios. Accessed Jul 28, 2025.
Medicare Supplement Insurance ratings methodology
NerdWallet’s Medicare Supplement Insurance (Medigap) ratings are based on pricing, discounts, plan types offered, complaint data from the National Association of Insurance Commissioners, consumer experience, additional perks and benefits, and more. To calculate each health insurance company's rating, we adjusted the scores to a curved 5-point scale, rounded to the nearest half star.
NerdWallet reviewed 15 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. At the national level, our scored reviews include companies covering about two-thirds of all Medigap beneficiaries. At the state level, our research includes at least one of the two largest Medigap insurance companies in 48 of the 50 states, plus Washington, D.C.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Supplement Insurance.
Insurer complaints methodology
We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, we calculated a similar index for each insurance company, weighted by market shares of each subsidiary. We score companies based on this index of how many complaints the company receives relative to its market share. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Compare Medigap plans
Insurance company | NerdWallet rating | Plan types offered | NAIC complaint rate | Premium discounts available | Learn more |
|---|---|---|---|---|---|
BEST OVERALL | |||||
5.0/5 | A, B, C, F, G, K, L and N. | Far fewer than expected | Above average | (844) 939-0223 / TTY 711 Call UnitedHealthcarefrom UnitedHealthcare | |
BEST FOR EXTRA BENEFITS | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.5/5 | A, F, G and N. | Close to expected | Average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
BEST FOR PREMIUM DISCOUNTS | |||||
4.0/5 | A, F, G and N. | Far fewer than expected | Above average | on NerdWallet | |
BEST FOR MEMBER SATISFACTION | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.0/5 | A, C, D, F, G and N. | Far fewer than expected | Below average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |