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.

Call Today:  844-593-8913
Policyholder Login

What Are Medicare Excess Charges and How Do They Affect Me?

What Are Medicare Excess Charges and How Do They Affect Me?

What Are Medicare Excess Charges?

Imagine this: You’re checking out of the doctor’s office and the doctor's charge is 15 percent more than the Medicare rate. What happened? Is this a mistake?

Participating providers take assignment.

Many seniors have been in similar situations. No, it’s not a mistake. In Original Medicare, your Part B costs, after the deductible is met, depend in part on what type of provider you see. A participating provider agrees to accept Medicare's approved amount for health care services, and bills Medicare directly for your services. This is called taking assignment. Your coinsurance when using a participating provider is generally 20% of Medicare-covered services.

Non-participating providers do not take assignment.

A non-participating provider accepts Medicare but does not agree to accept Medicare's approved amount in all cases. Non-participating providers can charge up to 15% more than the Medicare approved amount for the cost of services provided, on a claim by claim basis. For some claims, you may be responsible for your 20% coinsurance plus a 15% excess charge on the Medicare-approved amount for covered services. Excess charges are not allowed in some states.

Ask your doctor’s office if they are Medicare participating.

Be sure to ask your doctor's office if your provider is Medicare participating or non-participating. There are Medicare Supplement insurance plans that provide a benefit to cover excess charges if you see a non-participating provider. Contact a licensed insurance agent for more information on which Medicare Supplement insurance plan to choose for excess charges coverage.

Medicare Supplement plans allow you to choose any doctor that accepts Medicare.

Get details about policies that may meet your insurance needs.