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.

Insurance Products

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

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.

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.


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.

Call Today:  844-593-8913
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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

  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.

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. 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.

Critical illness insurance and the ACA.

Critical illness policies can be used to supplement - not replace - major medical insurance coverage. They operate under state regulations. 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.

Explore Coverage

Learn more about supplemental health products

1, Affordable Care Act (ACA), accessed August 2021