United American Insurance Medicare Supplement Insurance 2024 Review

Medigap plans from United American Insurance Company tend to be pricey, but there are more plan type options than most competitors offer.
Alex Rosenberg
By Alex Rosenberg 
Edited by Holly Carey

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United American Insurance Company - Chapter

United American Insurance Company

United American Insurance Company offers a wide selection of Medicare Supplement Insurance plan types in most states, but they tend to be expensive.

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Plan types offered

A, B, C, D, F, G, K, L and N


NAIC complaint rate

More than expected


Premium discounts available

Below average


Plan types offered

A, B, C, D, F, G, K, L and N


NAIC complaint rate

More than expected


Premium discounts available

Below average


Pros

  • Nearly every Medigap plan type is available in most states.

Cons

  • Premiums aren't very competitive.
  • No online quotes.

United American Insurance Company sells Medicare Supplement Insurance, or Medigap, in 47 states and Washington, D.C.

In most states, you can buy every Medigap plan type from United American Insurance except for Plan M. But the prices can be high, and there are few discounts on offer that could help.

United American Insurance Company doesn’t offer individualized price quotes online, so you’d have to work with an agent to get specifics for your circumstances.

Here’s what you should know about Medicare Supplement Insurance from United American Insurance.

United American Insurance Medicare Supplement pros and cons

United American Insurance’s Medigap offerings have advantages and disadvantages.

Pros

  • Plan selection: United American Insurance offers nearly every Medicare Supplement Insurance plan type in most states.

Cons

  • Pricing: United American Insurance’s premiums can be significantly higher than what competitors offer.

  • No online quotes: You can’t get online price quotes from United American Insurance. You need to contact an agent.

United American Medicare Supplement Insurance plan types

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.

In addition, United American Insurance offers plans in Wisconsin that fit the state’s standards. (Massachusetts, Minnesota and Wisconsin don't use the same Medigap standardization system as the rest of the country.)

Cost for United American Insurance Medigap policies

The following price estimates were obtained for three metropolitan areas representing above-average, average and below-average costs for the most popular Medicare Supplement Insurance plans (Plan G and Plan N)

NerdWallet analysis of American Association for Medicare Supplement Insurance data. Best Costs Medigap 2024 – Plan G. Accessed Mar 6, 2024.
:

  • Los Angeles: More expensive than average.

  • Atlanta: Average cost.

  • Dallas: Less expensive than average.

The sections below show pricing information from United American Insurance for a 65-year-old female nonsmoker as filed with the Centers for Medicare & Medicaid Services

Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Mar 6, 2024.
. (Note: Some Medigap prices may be higher for males.)

For comparison, the table for each plan also includes the price for the least-expensive option to buy the same plan from any company that filed prices. For example, United American Insurance’s price for Medigap Plan G in Los Angeles appears alongside the lowest price on Medicare.gov for all Plan G policies available in Los Angeles to an applicant with identical demographics.

Plan G

On average, United American Insurance’s estimated premiums for Medigap Plan G were about 76% higher than the least expensive Plan G policy in the area.

United American Insurance price

Medicare.gov lowest price

Los Angeles

$213.

$137.

Atlanta

$294.

$119.

Dallas

$138.

$109.

Plan N

On average, United American Insurance’s estimated premiums for Medigap Plan N were about 92% higher than the least expensive Plan N policy in the area.

United American Insurance price

Medicare.gov lowest price

Los Angeles

$171.

$105.

Atlanta

$206.

$90.

Dallas

$150.

$82.

Discounts

Some Medicare Supplement Insurance companies might offer discounts to qualifying enrollees who, for example, live with another adult who has a policy from the same company, set up automatic payments or bundle multiple kinds of insurance.

United American Insurance doesn’t advertise premium discounts specific to its Medigap policies.

United American Insurance member complaints

11% more complaints than average

Members file complaints about United American Insurance's Medicare Supplement Insurance plans at a rate about 11% higher than the average for all Medigap plans, according to 2022 data from the National Association of Insurance Commissioners for United American Insurance and its subsidiaries that sell Medicare Supplement Insurance policies

National Association of Insurance Commissioners. Company Complaint Index. Accessed Mar 6, 2024.
.

NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

United American Insurance’s spending on care

69.2% for member benefits

Medicare Supplement Insurance providers must report data on the premiums they collect and how much they spend to provide benefits for members.

Based on the most recent year of data, United American Insurance spends about 69.2% of the Medigap premiums it collects on member benefits

. (The other 30.8% goes to overhead expenses like administrative costs, marketing, salaries and commissions.)

For comparison, the average for all providers is 80.4%. The minimum required by law for individual Medigap policies is 60%

Code of Federal Regulations. Title 42, Part 403, Section 215. Accessed Mar 6, 2024.
.

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 service area

United American Insurance offers Medicare Supplement Insurance plans in Washington, D.C., and every state except for Massachusetts, Minnesota and New York.

As of the end of 2022, United American Insurance covers about 167,000 Medicare Supplement Insurance beneficiaries and has a market share of about 1.1%

National Association of Insurance Commissioners. 2022 Medicare Supplement Loss Ratios. Accessed Mar 6, 2024.
.

United American Insurance Company Medigap customer service

Here's how United American Insurance Company members can contact customer service:

  • Call customer care at 800-331-2512, Monday to Friday, 7:30 a.m. to 5 p.m. Central time.

  • Sign in to the United American Insurance Company eService center for account management and FAQ answers.

  • Contact United American Insurance Company through Facebook.

  • Contact United American Insurance Company through X, formerly known as Twitter.

Compare alternatives

Here's how Medicare Supplement Insurance providers compare with United American Insurance Company.

About United American Insurance

United American Insurance Company, headquartered in McKinney, Texas, was founded in 1947. It has offered Medicare Supplement Insurance since 1966, when Medicare first began operating. In 1982, United American Insurance Company was acquired by Torchmark, now known as Globe Life Inc.

United American Insurance Company offers Medicare Supplement Insurance, life insurance, other supplemental health insurance, and insurance products for employers and groups.

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).

Still deciding on the right carrier? Compare Medigap plans

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