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.

Does Medicare Supplement Cover Prescriptions?

Does Medicare Supplement Cover Prescriptions?

How do you cover your prescriptions as a Medicare beneficiary?  Medicare covers prescription drugs but if you enroll in the Original Medicare plan, you have to purchase the plan separately under the Medicare Part D plan. The Medicare Advantage Plan usually includes the prescription plan.

Buy a separate Medicare drug policy

There are many options with a separate Medicare prescription drug plan. These plans are usually standalone drug plans offered by private health insurance companies. To be eligible for these plans, you must have Medicare Part A (hospital insurance) and/or Medicare Part B (medical insurance) upon enrolling; or

Get a Medicare Advantage Plan that includes prescription coverage

If you choose Medicare Advantage instead of Original Medicare Part A and Part B, most Medical Advantage plans cover prescriptions. These are called Medicare Advantage Prescription Drug Plans, or MAPDs. If the Medical Advantage does not have drug prescription coverage, you are allowed to buy a separate prescription drug plan (PDPs).1

Medicare includes prescription drug benefits through Part D and Part B in some instances. Prescription drug benefits are available through private insurance companies.

With Original Medicare, you can choose several prescription drug plans (PDPs) because they are standalone prescription plans offered by private insurance companies.

Original Medicare Part A covers most prescriptions when you are an in-patient in a hospital setting.

If you are an inpatient for a hospital stay and are moved to a skilled nursing facility (SNF), prescriptions are covered under Medicare Part A.2

Prescription coverage while hospitalized or in a SNF is for a limited time and on a short-term basis. There are limitations on stay and coverage. 3

Want to learn more about Medicare Supplement Insurance?

See the options available.

When to enroll in Part D Prescription Drug Plan

An important fact to consider when buying a prescription drug plan is timing. When you are eligible for Medicare Part A and B, and you sign up for a prescription drug plan during your initial enrollment period, you avoid the late penalty fee. Your initial open enrollment period runs for seven months. It is three months before you turn 65 years of age and four months following your 65th birthday.

If you wait and sign up during subsequent enrollment periods, you will incur a late penalty fee that is added to your premium for the life of the PDP.

The exception is if you have other creditable drug coverage from another source that you have continuously maintained such as group coverage with an employer. 4

Private insurance companies offer many variations of prescription drug coverage. The premiums may range, depending on the formulary choices (the drugs that are covered), the benefits of the drug plan, and pricing.

If you have a disability that allows you to receive Medicare benefits before you are 65 years of age, you have a seven-month window as well, with three months prior to the 25th month of a disability, and the four following the 25th month of a disability diagnosis.

The same drug prescription guidelines apply to Medicare beneficiaries as for Medicare retirement beneficiaries.