Medicare Supplements

Medicare Supplement Plans

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.

Insurance Products

Insurance Plans

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. 

Group Insurance

Group Insurance

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

Resources

File a claim

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.

File A Claim

File a claim

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.

Contact

Contact Us

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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Can I Have Critical Illness insurance if I am on an Affordable Care Act (ACA) plan?

Can I Have Critical Illness insurance if I am on an Affordable Care Act (ACA) plan?

What is The Affordable Care Act?

The Affordable Care Act (ACA) is a comprehensive health care reform law enacted in March 2010.1 It has three primary goals, which are:

  1. Making affordable major medical health insurance available to more people. The law provides for subsidies (“premium tax credits”) that lower health insurance costs for households with incomes between 100% and 400% of the poverty level.
  2. Expanding the Medicaid program to cover adults with income below 138% of the federal poverty level. It’s important to note all states have expanded their Medicaid programs.
  3. Supporting innovative medical care delivery methods designed to lower the costs of health care generally.
Costs generally include deductibles and coinsurance/copayments, but you should speak to your insurance company or a licensed insurance agent for any specific information, as it can vary.

What is Critical Illness Insurance?

Critical illness does not provide major medical insurance coverage but provides supplemental insurance benefits for medical emergencies like heart attack, stroke, or cancer. Benefits can also be used to help cover non-medical related costs such as transportation, child care, etc.4

Since these emergencies or illnesses often have high medical costs, some critical illness policies have a lump sum benefit to help cover costs where ACA coverage might not.

There are many policies available and their costs are typically relatively low.4 However, coverage limits vary and can be limited, so it’s important to review your policy carefully and consult your insurance company or a licensed insurance agent with any questions you may have.

Furthermore, premiums for these policies are based on the benefit amount and the age of the applicant.2 Pre-existing conditions generally aren’t covered, and medical underwriting is used to determine an applicant’s eligibility for coverage.2

Critical Illness Insurance and the ACA

Critical illness policies can be used to supplement and not replace major medical insurance coverage and they operate under state regulations.3 By understanding how the ACA works, it will help you learn how health insurance sold in the individual market can affect you and your loved ones. From there, you can determine whether it’s possible to get critical illness insurance.

To learn more specific information about critical illness policies and what a policy could cover for your specific situation, contact your insurance company or a licensed insurance agent.

Would your major medical plan cover all your expenses if you became critically ill?

Critical Illness insurance can help cover unpaid medical bills, travel expenses, lost income and more.

Sources:
1 healthcare.gov, Affordable Care Act (ACA), 2020
2 healthinsurance.org, Critical Illness Plan, 2020
3 healthinsurance.org, FAQs, 2018
4 investopedia.com, Critical Illness Insurance: What Is It and Who Needs It?, 2019

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).

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