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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Manage Your Out-of-Pocket Costs with Medicare Supplement Insurance

What is Medicare Supplement insurance?

Medicare Supplement insurance, also known as Med-Supp or Medigap, was created by the federal government and is regulated by state Insurance Departments. It is offered by private insurance companies to cover some of the out-of-pocket costs not covered by Original Medicare. 

Why do I need a Medicare Supplement Insurance Policy?

Medicare Supplement insurance policies are purchased to help provide extra insurance coverage in addition to Medicare Part A (Hospital) and Part B (Medicare). Original Medicare covers some of the healthcare costs, but not all.

Scroll/drag to the right for more plan options ›

  Plans Available to All Applicants Medicare First Eligible Before
2020 Only
Benefits A* B* D* G*1 K* L* M N* C* F*1
Medicare Part A coinsurance
and hospital coverage
(up to an additional 365 days
after Medicare benefits are used up)
Medicare Part B coinsurance
or copayment
50% 75%
(copays apply3)
Blood (first three pints) 50% 75%
Part A hospice care coinsurance
or copayment
50% 75%
Skilled Nursing
Facility Coinsurance
    50% 75%
Medicare Part A Deductible   50% 75% 50%
Medicare Part B Deductible                
Medicare Part B excess charges                
Foreign travel emergency
(up to plan limits)
       
Out-of-Pocket limit
in 20202
        $5,8802 $2,9402        

*Denotes plan available from United American Insurance Company. Plan availability varies by state.

Only applicants first eligible for Medicare before 2020 may purchase Plans C, F, and high deductible F.

Note: a checkmark means 100% of the benefit is paid.

1 Plans F and G also have a high deductible option which requires first paying a plan deductible of $2,340 in 2020 before the plan begins to pay. Once the plan deductible is met, the plan pays 100% of covered services for the rest of the calendar year. High deductible plan G does not cover the Medicare Part B deductible. However, high deductible plans F and G count your payment of the Medicare Part B deductible toward meeting the plan deductible.

2 Plans K and L pay 100% of covered services for the rest of the calendar year once you meet the out-of-pocket yearly limit.

3 Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that do not result in an inpatient admission.

Some states require insurers to offer certain Medicare Supplement plans to eligible Medicare beneficiaries who are under age 65. For those specific plans, policy benefits will be identical regardless of age.

Get a Medicare Supplement plan that allows you to choose your doctor.

Our agents can walk you through your options.

United American Insurance Company

United American is a name trusted by doctors and hospitals nationwide. Medicare was signed into law in 1966, and that year United American Insurance Company developed its first Medicare Supplement policy. Today, United American is one of the largest nationwide underwriters of individual insurance to supplement Medicare**, and we are proud of our legacy of quality products and superior service.

No Networks

Your doctors, your choice. We don’t restrict you to networks of specialists. Our coverage is accepted by any physician who accepts Medicare.

Nationwide Coverage

No matter where you live or travel*** in the United States, our coverage is accepted by any physician who accepts Medicare.

Guaranteed Renewable

As long as your premiums are paid on time and there are no misrepresentations, we will never cancel your policy.

For more than 40 consecutive years, United American has earned the A+ (Superior)**** Financial Strength Rating from A.M. Best Company (as of 7/19). The rating refers only to the overall financial status of the company and is not a recommendation of the specific policy provisions, rates or practices of the insurance company.

** NAIC Medicare Experience Report by Direct Premium Earned for Total Individual Policies, August 2019.
*** Foreign Travel Emergency benefit available on select policies.
**** A+ (Superior) is A.M. Best’s second highest rating.

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, MSK06, MSL06, MSN10, and in WI, MC4810 and MC4810HD 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 representing United American Insurance Company. A licensed agent will provide additional information upon request.

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