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.

Employer Provided Health Benefits and Tax Deductions

Employer Provided Health Benefits and Tax Deductions

Come spring, taxpayers are squinting at every little thing to try and determine its worth as a deduction. What about health insurance premiums? Might they be deductible?

Per IRS Publication 502 (2021), “Don't include in your medical and dental expenses any insurance premiums paid by an employer-sponsored health insurance plan unless the premiums are included on your Form W-2, Wage and Tax Statement. Also, don't include any other medical and dental expenses paid by the plan unless the amount paid is included on your Form W-2.”1

The IRS specifically lists the following as ineligible for deduction:1

  • Life insurance policies;
  • Policies providing payment for loss of earnings;
  • Policies for loss of life, limb, sight, etc.;
  • Policies that pay you a guaranteed amount each week for a stated number of weeks if you are hospitalized for sickness or injury;
  • The part of your car insurance that provides medical insurance coverage for all persons injured in or by your car because the part of the premium providing insurance for you, your spouse, and your dependents isn't stated separately from the part of the premium providing insurance for medical care for others; or
  • Health or long-term care insurance if you elected to pay these premiums with tax-free distributions from a retirement plan made directly to the insurance provider and these distributions would otherwise have been included in income.


If your health insurance policy is separate from what your employer provides, you may – may -- have better luck. If it covers medical care -- hospitalization, surgical services, X-rays; prescription drugs and insulin; dental care; replacement of lost or damaged contact lenses; or long-term care – then the premiums may (and again let us stress the may) qualify for a deduction.1

All of this comes with the caveat that the tax code is a living, evolving document, so change is frequent. Please consult with your tax advisor for the latest deductions and other tax information.

1. Internal Revenue Service, Publication 502: Medical and Dental Expenses (Including the Health Coverage Tax Credit) For use in preparing 2020 Returns (Cat. No. 15002Q), 2021