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.
Unless you really need a plan type that’s not available from anybody else, you can probably find a better deal elsewhere. And you probably don’t need one of those less-common plan types. The best bets for most people are Plan G or Plan N, which are available from just about every company.
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United American Insurance Medicare Supplement Insurance plans
United American offers nearly every Medicare Supplement Insurance plan type (all but Plan M), which is more than most competitors.
Most people new to Medicare choose Plan G or Plan N, which have a lot of coverage and are widely available. Despite the variety of plan types on offer, Plan G or Plan N is likely to be your best bet.
» MORE: Medigap Plan G vs. Plan N
For basic coverage that might cost less, United American offers Plan A and Plan B. Or to aim at the middle in terms of cost and coverage, there’s Plan D.
For premiums that might be even lower, you could choose Plan K and Plan L. These plans can be cheaper because they cover 50% (Plan K) or 75% (Plan L) of most benefits, so you still have some out-of-pocket costs.
And if you became eligible for Medicare before 2020, United American offers Plan C and Plan F. People newer to Medicare can’t buy these from any company. (Plan D is the nearest analog for Plan C, and Plan G for Plan F).
Plan G and Plan F are available as high-deductible versions in certain locations. These options often have much lower premiums, but they don’t start to pay for care until you’ve met an annual deductible.
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.)
How much does United American Insurance Medicare Supplement Insurance cost?
Very high prices
Medigap premiums from United American Insurance are high — sometimes more than double the competition. Its prices for Plan G were about 74% higher than the least expensive company we review, on average. For Plan N, United American Insurance’s premiums averaged 112% higher.
The tables below show companies’ lowest prices from Medicare.gov, including any available household discounts. Rates might vary based on factors like age, sex, location and household status.
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 among the companies NerdWallet reviews. Those companies cover nearly 90% of all Medigap beneficiaries.
Why we compare prices the way we do
In short, I want to use realistic prices when rating companies. Comparing prices among the companies we review is a way to exclude outliers, which might not stay cheap (or in business) over time.
I’m in my fifth year reviewing Medicare Supplement Insurance companies for NerdWallet. During that time, I’ve noticed that smaller companies with super-low prices often don’t stick around for long.
For example, I looked back at price quotes I analyzed in March 2024. Seven of what had been the 10 cheapest Plan G companies in Dallas are gone as of July 2026. Many of those were smaller companies we don’t review. But 12 of the 13 companies I reviewed in 2024 are still there in 2026, so they’re a more stable and realistic set to compare.
Plan G
United American price | Cheapest reviewed competitor | |
|---|---|---|
Los Angeles | $285. | $191. |
Atlanta | $332. | $140. |
Dallas | $189. | $138. |
Plan N
United American price | Cheapest reviewed competitor | |
|---|---|---|
Los Angeles | $240. | $146. |
Atlanta | $249. | $102. |
Dallas | $211. | $93. |
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, autopay or living with another adult.
Unlike most competitors, we didn’t see any discounts from United American Insurance.
More Nerdy Perspective
Is United American Insurance a good Medicare Supplement Insurance company?
United American Insurance doesn’t score well on NerdWallet’s rubric. Its variety of Medigap plan types stands out, but high prices drag down its rating. I recommend comparing quotes from at least a few companies. AARP offers nearly as many plan types and performs better on other factors like perks and complaint rates. HealthSpring is our pick if low premiums are your primary concern. And State Farm gets our top scores with strong all-around performance. Also consider working with a licensed insurance agent or broker to find a Medigap option that fits your needs.
United American Insurance doesn’t score well on NerdWallet’s rubric. Its variety of Medigap plan types stands out, but high prices drag down its rating. I recommend comparing quotes from at least a few companies. AARP offers nearly as many plan types and performs better on other factors like perks and complaint rates. HealthSpring is our pick if low premiums are your primary concern. And State Farm gets our top scores with strong all-around performance. Also consider working with a licensed insurance agent or broker to find a Medigap option that fits your needs.
Alex Rosenberglead writer covering MedicareCompare 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
United American Insurance Medicare Supplement price increases
Premiums rise at average rates
It can be difficult or even impossible to switch Medigap plans or companies after your Medigap open enrollment period because of medical underwriting. If you might stick with the same company for decades, it’s a good idea to consider how its prices change over time.
In the past three years of Medigap price data I analyzed, United American Insurance’s premiums went up an average of 9.1% per year across the locations I tracked. That’s pretty average among the companies we review.
United American Insurance member complaints
14% more complaints than average
United American’s complaint rates are pretty typical. Its members file complaints about their Medigap policies about 14% more often than the average for all companies. That’s according to 2023 to 2025 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
78% for member benefits
United American Insurance spent about 78% of the Medigap premiums it collects on member benefits, based on the most recent annual data. (The other 22% went to overhead expenses like administrative costs, marketing, salaries and commissions.)
That’s below the all-company average of 84.5%.
The medical loss ratio (MLR) is the percentage of premiums a company spends to pay members’ claims.
If the number is relatively low (down in the 70s), I might wonder why the company isn’t spending more on the benefits its members are paying for.
But if the number is very high (around 90% or higher), the company might not turn a profit after expenses. In that case, I worry that it might cut back on Medigap plans or stop offering them altogether.
Additional benefits
Not offered
Medigap plans are standardized, but companies can offer extras on top of the Medicare benefits. Examples include free gym memberships and discounts on hearing aids and glasses.
Unlike many competitors, United American Insurance doesn’t advertise similar extras with its policies.
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 224,000 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. 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.
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, 2026.
- 2.National Association of Insurance Commissioners. Company Complaint Index. Accessed Jul 28, 2026.
- 3.National Association of Insurance Commissioners. 2024 Medicare Supplement Insurance Experience Reports (Direct Premiums Earned; Direct Claims Incurred). Accessed Jul 28, 2026.
- 4.National Association of Insurance Commissioners. 2024 Medicare Supplement Loss Ratios. Accessed Jul 28, 2026.
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 13 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. We review companies covering nearly 87% of all Medigap beneficiaries in the United States. At the state level, our research includes the two largest Medigap insurance companies in 45 out of 50 states, plus Washington, D.C. We cover at least one of the two largest Medigap companies in every state.
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 | Annual price increases | Learn more |
|---|---|---|---|---|---|
BEST OVERALL | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 5.0/5 | A, C, D, F, G and N | Far fewer than expected | Lower than 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 LOW PRICES | |||||
 (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 | Far more than expected | Lower than 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 PLAN AVAILABILITY | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.3/5 | A, B, C, F, G, K, L and N | Fewer than expected | Higher than average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.3/5 | A, F, G and N | Close to expected | Lower than average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |