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.

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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.

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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.


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Having Secondary Insurance to Cover Some of the Costs Medicare Doesn't Pay

Having Secondary Insurance to Cover Some of the Costs Medicare Doesn't Pay

Medicare coverage is a federal government program created to help people 65 years of age or older with medical costs.1 Medicare has three parts of coverage: Part A is hospital insurance; Part B is medical insurance; and Part D covers prescription insurance.2

Understanding secondary insurance coverage and why it is helpful as an addition to Original Medicare will be the focus of this article.

Three types of Medicare options:

  1. Original Medicare (Parts A and B)
  2. Medicare Advantage (Part C)
  3. Prescription coverage (Part D)

Original Medicare

Original Medicare health insurance does not cover all hospital and medical expenses.3

Medicare Supplement insurance is another form of medical insurance that can help offset some of the out-of-pocket expenses not covered by Original Medicare. A person has to be enrolled in Original Medicare Part A or Part B or both in order to enroll in Medicare Supplement insurance.

Original Medicare does not cover prescriptions. Medicare Part D is a Medicare approved plan offered by private companies. Prescription drug assistance programs are available if you qualify for the requirements.4

Medicare Advantage

Medicare Advantage is a Medicare approved plan offered by a private company as an alternative to the Original Medicare. You cannot buy additional Medicare Supplement insurance. Medicare Advantage may include prescription insurance. Pay attention to restrictions and limitations regarding where you receive medical services.

Medicare Supplement insurance

Rules set by Medicare determine the sorts of insurance plans private companies can offer for additional health insurance. Under the current plans calculated and published each year by the Centers for Medicare and Medicaid Services (CMS), there are 10 plan options. Two of those plans are available to anyone eligible for Medicare before January 1, 2020. The remaining eight plans are open and available for everyone eligible for Medicare. Medicare Supplemental insurance may help with the following costs:

  1. Additional hospitalization costs including deductibles
  2. Coinsurance costs – usually a percentage of the total costs
  3. Emergency medical costs while traveling out of the country

The following are examples not covered by Medicare Supplement insurance:

  1. Long-term care (such as a nursing home)
  2. Vision or dental care
  3. Hearing aids
  4. Eyeglasses
  5. Private-duty nursing

Medicare Supplement plans offer different premiums to meet your budget or financial needs. Two Medicare Supplement plans offer a high deductible for a lower cost premium.

Want to Learn More about Medicare Supplement Insurance?

See the options available.

Other supplemental medical insurance

Supplemental insurance is separate from Medicare and pays lump sum benefits in case of specific coverage such as cancer, critical illness, and accidents. Depending on the insurance company and the insurance policy, you still may be able to enroll in these supplemental policies at the age of 65.

Contact a licensed insurance agent who understands Original Medicare and Medicare Supplement insurance and is able to maximize your entitled benefits


  1. Medicare, Accessed September 2023.
  2. CMS, September, 2023.
  3. Medicare basic costs, Accessed August, 2023.
  4. Coordination of benefits, September, 2023.