Medicare Supplements

United American has been a prominent Medicare Supplement insurance provider since Medicare began in 1966. Additionally, we’ve been a long-standing participant in the task forces working on Medicare Supplement insurance policy recommendations for the National Association of Insurance Commissioners.

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When you become a United American policyholder, you gain freedom of choice. Our products allow you to keep your choice of trusted doctors and hospitals. 

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United American Insurance Company has been a market leader in providing insurance to employer and union group sponsors for 25 years.


United American has been underwriting life and health insurance since 1947. Thousands of independent agents/agencies have found success selling our life, health, and Medicare Supplement policies.


One of the many things United American is well-known for is our superior customer service. When it comes to your health, we believe education, service, and support are vital. With our experience and stability, we’re the Company that does what it says it will do.

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Because of our 50+ years of experience in providing life, supplemental health and Medicare Supplement insurance, United American offers superior customer service to both our agents and customers.  Never stress about your claim status with our online claim tracker. Need more help? Let one of our licensed agents assist you.


At United American, we only provide knowledgeable and licensed agents to service you. Say goodbye to wasted hours spent on hold and bid good riddance to talking to artificial intelligence. Hear a live voice or get one-on-one time with one of our licensed agents today.

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What's New with Medicare Costs in 2024?

What's New with Medicare Costs in 2024?

Every year, the Centers for Medicare and Medicaid Services (CMS) update what the cost sharing expenses are for people enrolled in Medicare. Costs may change from year to year and include:

  1. Medicare Part A annual deductible and coinsurance for inpatient hospital stays, coinsurance for skilled nursing facilities, hospice, inpatient rehabilitation, and some home health care services.

  2. Medicare Part B annual deductible covers physicians’ services, outpatient hospital services, certain home health services, durable medical equipment, and certain other medical and health services not covered under Medicare Part A.

  3. Medicare Part B premium as determined according to provisions of the Social Security Act.

Medicare deductibles and premium

There have been increases in Medicare Part A and Part B for 2024. The increase is due to rising health care costs and spending.

Part A

The annual deductible is $1,632, an increase of $32 from $1,600 in 2023.

Part B

The annual deductible is $240, an increase of $14 from the annual deductible of $226 in 2023.

Part B Medicare standard premium payment is $174.70 per month.


Medicare Part B income-related adjusted amounts

In 2007, CMS initiated Part B monthly premium based on the beneficiary’s income. This income related adjustment affects approximately 8% of people enrolled in Medicare Part B.

This is something to keep in mind if you file individual or joint tax returns of more than $103,000 (individual) and $206,000 (joint tax return). People whose adjusted gross income exceeds these numbers are called high-income beneficiaries. There are tiers of premium adjustment for modified gross incomes greater or equal to $500,000/$750,000.

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Medicare Part D is also an income related benefit

In 2011, CMS initiated Medicare Part D premium based on the person’s annual income. For those beneficiaries with high-income amounts exceeding $103,000/$206,000 for a person’s adjusted gross income, the premiums are higher.

Other changes in Medicare coverage in 2024

There are additional changes on behalf of the beneficiary for Medicare coverage in 2024:

  • Prescription drugs - If you have Medicare drug coverage Part D, and the costs of drugs reaches a catastrophic coverage level, the coinsurance is waived.
  • Lower costs on insulin - A limit of how much you pay for covered insulin products will not exceed $35 per month, and the Medicare deductible no longer applies.
  • Vaccines recommended for adults are available at no cost.
  • Telehealth services will continue through 2024.
  • Managing and treating chronic pain – If you have been living with chronic pain for more than three months, Medicare covers monthly services to treat the pain subject to the Part B deductible.
  • Better mental healthcare – Medicare will begin covering intensive outpatient program services provided by hospitals, community mental health centers, and other locations if you need mental health care.

Each year, an extensive Medicare handbook is released with in-depth information regarding Medicare coverages and services.

Medicare Supplement insurance is private insurance created to help with annual deductibles, coinsurance, and copays. Signing up for a Medicare Supplement insurance can help offset some of these costs.

Other Sources:

CMS,, accessed 2023

Medicare, , accessed 2023.


Ad # 1331

The purpose of this communication is the solicitation of insurance. United American Insurance Company is not connected with, endorsed by, or sponsored by the U.S. government, federal Medicare program, Social Security Administration, or the Department of Health and Human Services. Policies and benefits may vary by state and have some limitations and exclusions. Individual Medicare Supplement insurance policy forms MSA10, MSB10, MSC10, MSD10, MSF10, MSHDF10, MSG10, MSHDG, MSK06R, MSL06R, MSN10 and in WI, MC4810 and MC4810HD, MC4810HDG are available from our Company where state-approved. Some states require these plans be available to persons under age 65 eligible for Medicare due to disability or End Stage Renal disease (ESRD). You may be contacted by an agent or producer representing United American Insurance Company, PO Box 8080, McKinney, TX 75070-8080. OUTLINE OF COVERAGE PROVIDED UPON REQUEST.

For Ohio, you may verify the agent/broker and United American Insurance Company by contacting: The Ohio Department of Insurance 50 W. Town Street, Third Floor - Suite 300, Columbus, OH 43215. Consumer Hotline: 1-800-686-1526 or TDD Number: (614) 644-3745. For costs and complete details of coverage call or write your insurance agent or the company (whichever is applicable).