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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 Lead Writer | Medicare, health care, legislation
Alex Rosenberg is a NerdWallet writer focusing on Medicare and information technology. He has more than 10 years of experience researching and writing about health care, insurance, technology, data privacy and public policy. His research has supported lawmakers in the Wisconsin State Legislature as well as health systems and national health authorities in the U.S. and more than 10 other countries. He is based in Stoughton, Wisconsin.
Holly Carey joined NerdWallet in 2021 as an editor on the team responsible for expanding content to additional topics within personal finance. She currently leads the Medicare team. Previously, Holly wrote and edited content and developed digital media strategies as a public affairs officer for the U.S. Navy. She is based in Virginia Beach, Virginia.
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
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.
Plan types offeredMedigap plan types the company generally offers (availability may vary by location). Options include Plans A, B, C, D, F, G, K, L, M and N
A, B, C, D, F, G, K, L and N
NAIC complaint rateHow often the company’s members file complaints about their policies as compared to the industry average, according to data from the National Association of Insurance Commissioners (NAIC). NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
More than expected
Premium discounts availableBased on the number and size of a company’s available discounts on monthly premiums, in comparison to other insurance companies.
Below average
Pros
Nearly every Medigap plan type is available in most states.
Cons
Premiums aren't very competitive.
No online quotes.
Plan types offeredMedigap plan types the company generally offers (availability may vary by location). Options include Plans A, B, C, D, F, G, K, L, M and N
A, B, C, D, F, G, K, L and N
NAIC complaint rateHow often the company’s members file complaints about their policies as compared to the industry average, according to data from the National Association of Insurance Commissioners (NAIC). NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
More than expected
Premium discounts availableBased on the number and size of a company’s available discounts on monthly premiums, in comparison to other insurance companies.
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 Company Medicare Supplement Insurance
2.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
United American Insurance Company earned 2 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, 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.)
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.
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
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.
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.
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%
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.
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).
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. 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.
