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.

The Importance of Cancer Insurance

The Importance of Cancer Insurance

Considering a supplemental cancer insurance policy?

After heart disease, cancer is the second leading cause of death in the United States.1 The American Cancer Society estimates there will be 1.9 million new cancer cases and approximately 609,360 deaths from cancer in the United States in 2022.2 With breast cancer being the most common form of cancer in women, and prostate for men, the lifetime risk of developing cancer in the United States is almost 40%, or more than one in three Americans.2

Financing cancer

Upon a cancer diagnosis, a patient probably wants to visit the best doctor … but what about a financial advisor? Cancer is expensive. Two questions need to be addressed when dealing with cancer treatment:

  1. Does the patient have health insurance?
  2. Does the patient have money in savings for deductibles and other out-of-pocket expenses?

Cancer could bring financial hardship. Unfortunately, it’s not uncommon for cancer patients to drain all their accounts, file for bankruptcy, or even lose their house.

Insurance may not be enough.

The Kaiser Family Foundation's 2021 Employer Health Benefits Survey found 72% of employees with individual insurance plans had an out-of-pocket maximum of $3,000 or more in 2021.3

For many insured and uninsured people, the cost of cancer can be catastrophic so much so that they skip or delay treatments. Many patients can’t continue to work, which means no income. Those who have insurance and a job that has paid sick time could still be affected by financial hardship by running out of sick time or having to take unpaid medical leave.

The importance of supplemental cancer insurance.

Supplemental cancer insurance is meant to help bridge the gap between what a patient’s health insurance pays and what the patient must pay out of pocket. These expenses could include:

  • copays
  • extended hospital stays
  • lab tests
  • treatments

Additionally, supplemental cancer insurance can help cover non-medical treatments such as:

  • home health care
  • supplemental income
  • child care cost
  • travel and lodging expenses for treatment

Types of supplemental cancer

You have a few options when it comes to cancer insurance. Most insurance carriers offer expense-incurred, indemnity, or lump-sum policies, each with different features and coverage.

  • Expense-incurred policies mean the policyholder may get back a percentage of expenses for all covered treatments, up to the policy’s maximum amount.
  • Indemnity policies cover expenses for all accepted treatments, but they can have a fixed dollar limit on each treatment regardless of the cost.
  • Lump-sum policies give you the amount of cash you signed up for upon first diagnoses of accepted cancers. This money can be used however you see fit.

Many families have lost everything just to afford the cost of cancer. As if a diagnosis isn’t hard enough, the financial ruin can cost patients their cars, houses, jobs, savings accounts, and much more. As you can see, supplemental cancer insurance isn’t only helpful, it’s a necessity. With the rates of cancer diagnoses, no one is safe. The best way to help protect yourself from financial adversity is to prepare for it.

Explore Coverage

Learn more about supplemental health products

1. CDC, Leading Causes of Death, 2022
2. American Cancer Society, Cancer Facts & Figures 2022, 2022
3. KFF, 2021 Employer Health Benefits Survey, 2021