Medicare Supplements

Medicare Supplement Plans

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

Insurance Plans

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

Group Insurance

United American Insurance Company has been a market leader in providing insurance to employer and union group sponsors for 25 years.

Resources

File a claim

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

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

Contact Us

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.

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Choosing the Right Critical Illness Insurance Policy

Choosing the Right Critical Illness Insurance Policy

Choosing the Right Critical Illness Policy

You never know when the unexpected can happen. That’s where critical illness insurance comes in. By understanding what it is and what it covers, you can help provide financial protection for yourself and your loved ones, in the event of a future emergency or illness.

What is Critical Illness Insurance?

Critical illness insurance is an insurance policy that operates under a state’s Insurance Department. It can help provide supplemental insurance benefits for medical emergencies like heart attack, stroke, organ transplants, cancer, or coronary bypass.3 Additionally, its benefits help pay for non-medical related costs, including transportation, child care, etc.3

Since these emergencies or illnesses often have high medical costs and require extensive medical care, some policies have a lump sum benefit to help cover costs where traditional health insurance might not.3

This is when choosing the right critical illness policy becomes important.

Choosing the Right Insurance Policy

Since there are numerous critical illness policies to choose from, you’ll want to carefully review each one to determine which is most suitable for you and your loved ones.

Fortunately, the costs of these policies are typically low.3 However, coverage limits can vary, and not everything you’re looking for may be offered. Therefore, it’s important to discuss your options and any questions you may have with your insurance company or a licensed insurance agent.

It’s important to note that pre-existing conditions generally aren’t covered, and medical underwriting is used to determine an applicant’s eligibility for coverage.3

Furthermore, premiums are based on the benefit amount and the age of the applicant.1

Why Get Critical Illness Insurance?

Ultimately, having a critical illness insurance policy can help alleviate some of the worry associated with medical costs. Also, it provides flexibility, as the money paid out can typically be used as you wish, to cover a wide range of needs.3

As with any type of insurance, there can be drawbacks as well, so it’s beneficial to discuss your needs with your insurance company or a licensed insurance agent before making a final decision.

It is important to note critical illness insurance cannot be a substitute or alternative to comprehensive major medical coverage, such as an ACA policy.

Would your major medical plan cover all your expenses if you became critically ill?

Critical Illness insurance can help cover unpaid medical bills, travel expenses, lost income and more.

Sources:
1 healthinsurance.org, Critical Illness Plan, 2020
2 healthinsurance.org, FAQs, 2018
3 investopedia.com, Critical Illness Insurance: What Is It and Who Needs It?, 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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