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.

Resources

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.

Contact

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

Do I Need Supplemental Health Insurance?

Do I Need Supplemental Health Insurance?

You’re already familiar with major medical insurance – the kind you use to help pay for your medical care. But beyond major medical insurance, there is the option of supplemental health insurance, which is sometimes offered as a voluntary benefit from an employer or offered directly through an insurance company.

Supplemental health insurance, like its name implies, can supplement an existing major medical policy with more financial coverage. There are several different types of supplemental health insurance policies, some of which are accident, cancer, and critical illness insurance. The benefits offered and amounts of the benefits vary by policy and provider, and some policies may pay a lump-sum benefit while others pay specific benefit amounts for various expenses.

Not everyone chooses to purchase a supplemental health insurance policy, but for many, it may be beneficial. If you’re wondering if a supplemental health insurance policy is right for you, you should examine your life, your health, and your finances. According to thebalance.com, whether or not you need supplemental health insurance “depends on your risk factors and how much insurance you want, or what you want to be insured for.” An example of someone who might need this type of insurance would be “if you know that you could not afford the costs of long term care, or the loss of income if you were diagnosed with cancer, then long term care or critical illness insurance may be a good investment for you to consider”. 1

Some more questions to consider before buying a supplemental health insurance policy, according to verywellhealth.com, include:

  • Will my health plan cover costs associated with an accident or a serious illness?
  • Would I be able to cover the cost of being home sick or being out of work for an extended period of time?
  • What are the chances that a family member or I will be in a serious accident or get a major illness?2

Verywellhealth.com goes on to note that before you purchase a supplemental policy, you should know all the limitations and the benefits of the insurance, and to contact your state’s department of insurance for direction if there is anything you do not understand about the policy.2

Does your Major Medical insurance provide enough coverage?

Supplemental health insurance plans can help cover unpaid medical bills, travel expenses, lost income and more.

Sources:
1 The Balance, The Basics of a Supplemental Health Insurance Plan, 2019
2 Verywell Health, Should You Buy Supplemental Health Insurance?, 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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