The bottom line: United American Insurance Company offers a wider variety of Medigap plan types than most competitors, selling every plan type except for Plan M in most of the 47 states in which it operates. But the company’s prices can be high, and discounts aren't available to help bring prices down. Jump to: Full Review
United American Insurance Medicare Supplement pros and cons
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.
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 Company Medicare Supplement Insurance rating
United American Insurance Company earned 1.5 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 from the National Association of Insurance Commissioners and more.
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.)
More Nerdy Perspective
Among the companies evaluated on NerdWallet’s Medigap rubric, most competitors outscored United American Insurance. While it offers more Medigap plan types than most other companies, there are too many downsides: expensive premiums, higher spending on overhead and a lack of strong perks or discounts. I recommend taking a look at quotes from at least a few companies and/or working with a licensed insurance agent or broker to find a Medigap option that fits your needs.
Cost for United American Insurance Medigap policies
Medigap premiums from United American Insurance are high — sometimes more than double the competition. In estimates obtained for this review, United American Insurance’s premiums for Plan G were 67% higher than the cheapest alternative in the same location. Its Plan N premiums were 94% higher.
- How we evaluate Medigap companies’ prices
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):
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. (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
United American Insurance price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $229. | $148. |
Atlanta | $302. | $139. |
Dallas | $151. | $117. |
Plan N
United American Insurance price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $188. | $114. |
Atlanta | $226. | $98. |
Dallas | $163. | $88. |
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
54% more complaints than average
Members file complaints about United American Insurance's Medicare Supplement Insurance plans at a rate about 54% higher than the average for all Medigap plans, according to 2022 and 2023 data from the National Association of Insurance Commissioners for United American Insurance's parent company Globe Life and its subsidiaries that sell Medicare Supplement Insurance policies.
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 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 Medicare Supplement Insurance beneficiaries and has a market share of about 1.25%.
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.NerdWallet analysis of American Association for Medicare Supplement Insurance data. Best Costs Medigap 2024 – Plan G. Accessed Feb 25, 2025.
- 2.Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Feb 25, 2025.
- 3.National Association of Insurance Commissioners. Company Complaint Index. Accessed Feb 25, 2025.
- 4.National Association of Insurance Commissioners. . 2023 Medicare Supplement Insurance Experience Reports (Direct Premiums Earned; Direct Claims Incurred). Accessed Feb 25, 2025.
- 5.Code of Federal Regulations. Title 42, Part 403, Section 215. Accessed Feb 25, 2025.
- 6.National Association of Insurance Commissioners. 2023 Medicare Supplement Loss Ratios. Accessed Feb 25, 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 FOR MEDIGAP PLAN OPTIONS | (844) 939-0223 / TTY 711 Call UnitedHealthcarefrom UnitedHealthcare | ||||
5.0/5 | A, B, C, F, G, K, L and N. | Far fewer than expected | Above average | ||
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 | ||||
 (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 | |
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 | ||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 3.5/5 | A, F, G and N. | More than expected | Above average | |
BEST FOR LOW PREMIUMS | (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 | 4.0/5 | A, F, G and N. | More than expected | Above average | |