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.

Understanding the Differences between Medicare Part A & B

Understanding the Differences between Medicare Part A & B

What is the difference between Medicare Part A & B?

Original Medicare is composed of two parts: Part A Hospital Insurance and Part B Medical Insurance. The U.S. federal government offers this fee-for-service program, and pays directly for the health services you receive.

Both parts can work together. Are you aware of the differences between both parts? Keep reading for an explanation of their benefits.

Medicare Part A

Simply put, Medicare Part A is hospital insurance. It normally covers the following types of care:

  • Inpatient hospital stays
  • Hospice care
  • Skilled nursing care
  • Limited home health services

You’re typically responsible for paying a deductible and coinsurance, and/or copayments for Medicare Part A services. Many individuals are not required to pay premiums if they or their spouse paid taxes toward Medicare while employed for at least 10 years (or 40 quarters). If you haven’t done so, you may have to pay a monthly premium for Medicare Part A benefits.

Medicare Part B

Medicare Part B is health insurance coverage for outpatient medical services. These services include the following medically necessary services:

  • Doctor’s office visits
  • Lab work
  • X-rays
  • Outpatient surgeries
  • Preventative services to keep you healthy (for example, flu shots and cancer screenings)

Medicare Part B also covers the costs of medically necessary durable equipment like wheelchairs and walkers required to treat certain conditions or diseases. Most people pay a premium for Medicare Part B, and the premium may vary for those in higher income brackets. You’ll most likely pay a deductible followed by 20 percent of the Medicare approved amount for Medicare Part B services.

A licensed insurance agent can help you choose a Medicare Supplement insurance policy that pays for out-of-pocket costs not covered by Medicare Parts A and B. You can also check out the article on “Why Should I Consider Medicare Supplement Insurance” for more information.