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.

Can My Spouse be on the Same Medicare Supplement Policy?

Can My Spouse be on the Same Medicare Supplement Policy?

A Medicare Supplement insurance policy (also known as Medigap) is something you can purchase if you have Original Medicare (Parts A and B) and want to supplement your coverage with Original Medicare. If you're interested in purchasing a Medicare Supplement or if you already have one, you may be wondering: Can my spouse be on the same Medicare Supplement insurance policy?

In short, the answer is no. While many spouses have the option to have the same (non-Medicare/non-Medigap) health insurance policy, a joint policy is not available with Medicare Supplement insurance policies. leaves no questions by telling us that "you and your spouse must buy separate Medigap policies."1 That's because "a Medigap policy covers only one person," according to Investopedia.2

In addition to the fact that a married couple cannot be on the same Medicare Supplement insurance policy, they should also purchase a Medicare Supplement insurance policy that suits each one individually. According to, "depending on health conditions, it may make sense for spouses to select two different Medigap plans."3

If you and your spouse are considering purchasing a Medicare Supplement insurance policy and are wondering which one is right for you, according to, there are up to ten Medigap plans: A, B, C, D, F, G, K, L, M, and N (Plan F also has a high deductible version) available.4 notes that "every Medigap policy must follow federal and state laws designed to protect you," and "insurance companies can sell you only a ‘standardized' policy."4

It's important to note that effective January 1, 2020, Plans C, F, and HDF/F+ will not be available to newly-eligible Medicare beneficiaries, and for newly-eligible Medicare beneficiaries, Medicare Supplement Plans D, G and HDG/G+ will replace Plans C, F, and HDF/F+.4

If you're considering purchasing a Medicare Supplement insurance policy and you're wondering which policies could be right for you and your spouse, contact a licensed insurance agent.

Your style is your choice. Shouldn't your doctor and your coverage be, too?

Learn more about Medicare Supplement insurance options.

1, Medigap (Medicare Supplement Health Insurance, 2019
2 Investopedia, Who Needs Medigap Insurance?, 2019
3, What Should Couples Consider When Choosing Medicare Plans?, 2018
4, How to Compare Medigap Policies