United American Insurance Medicare Supplement Insurance 2024 Review

United American Insurance Medicare Supplement pros and cons

Our full review

United American Insurance Company Medicare Supplement Insurance rating

United American Insurance Company earned 2 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing, coverage options, online quote availability, complaint data from the National Association of Insurance Commissioners and more.

United American Medicare Supplement Insurance plan types

United American Insurance offers as many as seven Medicare Supplement Insurance plans for any Medicare member (plan availability varies by location):

• Medigap Plan A — the basic benefits included in every Medigap plan without any extras.

• Medigap Plan B — basic benefits plus coverage for the Medicare Part A deductible.

• Medigap Plan D — a mid-cost option that covers most Medigap benefits.

• Medigap Plan G — the highest-coverage option available to new Medicare members. Available as a high-deductible plan in certain locations.

• Medigap Plan K — the lowest-cost Medigap plan, with 50% coverage for most benefits.

• Medigap Plan L — a low-cost option with 75% coverage for most benefits.

• Medigap Plan N — a plan with lower premiums but higher copays.

United American Insurance also offers Medigap Plan C, Medigap Plan F and the high-deductible version of Plan F (in certain locations) for individuals who were first eligible for Medicare before 2020. Newer Medicare members can't buy these plans from any insurance company.

In addition, United American Insurance offers plans in Wisconsin that fit the state’s standards. (Massachusetts, Minnesota and Wisconsin don't use the same Medigap standardization system as the rest of the country.)

Cost for United American Insurance Medigap policies

Medigap premiums from United American Insurance are high — sometimes more than double the competition. In estimates obtained for this review, United American Insurance’s premiums for Plan G were 76% higher than the cheapest alternative in the same location. Its Plan N premiums were 94% higher.

Plan G

Plan N

Discounts

Some Medicare Supplement Insurance companies might offer discounts to qualifying enrollees who, for example, live with another adult who has a policy from the same company, set up automatic payments or bundle multiple kinds of insurance.

United American Insurance doesn’t advertise premium discounts specific to its Medigap policies.

United American Insurance member complaints

9% more complaints than average

Members file complaints about United American Insurance's Medicare Supplement Insurance plans at a rate about 9% higher than the average for all Medigap plans, according to 2022 and 2023 data from the National Association of Insurance Commissioners for United American Insurance and its subsidiaries that sell Medicare Supplement Insurance policies^[0]

NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

United American Insurance’s spending on care

69.2% for member benefits

United American Insurance spent about 69.2% of the Medigap premiums it collects on member benefits, based on the most recent annual data^[0]

Medicare Supplement Insurance providers must report data on the premiums they collect and how much they spend to provide benefits for members. The minimum required by law for individual Medigap policies is 60%^[0]

Additional benefits

Medigap plans are standardized, but companies can offer extras on top of the Medicare benefits.

United American Insurance members may be eligible for discounts from certain pharmacies and dental, vision, hearing or chiropractic providers. Check plan materials to confirm what’s offered and whether there are participating providers in your area.

United American Insurance Medicare Supplement service area

United American Insurance offers Medicare Supplement Insurance plans in Washington, D.C., and every state except for Massachusetts, Minnesota and New York.

As of the end of 2022, United American Insurance covers about 167,000 Medicare Supplement Insurance beneficiaries and has a market share of about 1.1%^[0]

United American Insurance Company Medigap customer service

Here's how United American Insurance Company members can contact customer service:

• Call customer care at 800-331-2512, Monday to Friday, 7:30 a.m. to 5 p.m. Central time.

• Sign in to the United American Insurance Company eService center for account management and FAQ answers.

• Contact United American Insurance Company through Facebook.

• Contact United American Insurance Company through X, formerly known as Twitter.

About United American Insurance

United American Insurance Company, headquartered in McKinney, Texas, was founded in 1947. It has offered Medicare Supplement Insurance since 1966, when Medicare first began operating. In 1982, United American Insurance Company was acquired by Torchmark, now known as Globe Life Inc.

United American Insurance Company offers Medicare Supplement Insurance, life insurance, other supplemental health insurance, and insurance products for employers and groups.