United American Insurance Company
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United American Insurance Medicare Supplement Insurance 2024 Review
Medigap plans from United American Insurance Company tend to be pricey, but there are more plan type options than most competitors offer.
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Written by Alex Rosenberg
Lead Writer
The bottom line: United American Insurance Company offers a wider variety of Medigap plan types than most competitors, selling every plan type except for Plan M in most of the 47 states in which it operates. But the company’s prices can be high, and there are few available discounts that could help. Jump to: Full Review
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United American Insurance Medicare Supplement pros and cons
Pros
Plan selection: United American Insurance offers nearly every Medicare Supplement Insurance plan type in most states.
Cons
Pricing: United American Insurance’s premiums can be significantly higher than what competitors offer.
No online quotes: You can’t get online price quotes from United American Insurance. You need to contact an agent.
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Our full review
Why trust NerdWallet
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.)
💬 From our Nerds: Is United American Insurance a good Medicare Supplement Insurance company?
“Among the companies evaluated on NerdWallet’s 2024 Medigap rubric, most competitors outscored United American Insurance. While it offers more Medigap plan types than most other companies, there are too many downsides: expensive premiums, high spending on overhead and a lack of strong perks or discounts.”
Note: Since Medigap plan options can vary by location, it’s a good idea to do your research, compare multiple quotes and consider working with a licensed insurance agent for more personalized recommendations.
— Alex Rosenberg, lead writer covering Medicare
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.
How we evaluate Medigap companies’ prices
Plan G
United American Insurance price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $229. | $148. |
Atlanta | $294. | $125. |
Dallas | $150. | $109. |
Plan N
United American Insurance price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $188. | $114. |
Atlanta | $206. | $95. |
Dallas | $163. | $82. |
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.
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. (The other 30.8% went to overhead expenses like administrative costs, marketing, salaries and commissions.) For comparison, the average for all providers is 80.4%.
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%.
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%.
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.
Compare Medicare Supplement Insurance companies
Get more information below about some of the major Medicare Supplement Insurance companies. These insurers offer Medigap plans in most states, but specifics may vary depending on your location.
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.
Find the right Medicare Supplement Insurance plan
Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company offering the plan. So when you shop, keep these considerations in mind to find the best policy to fit your needs:
Is your preferred plan available? Health insurance companies don’t always sell every plan, so check who sells the plan you want to buy in your area.
What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates.
Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.
Are there extras? Medigap plans’ core benefits are standardized, but in certain cases, some companies include such perks as discount programs or gym memberships.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
United American Insurance Company
United American Insurance Company offers a wide selection of Medicare Supplement Insurance plan types in most states, but they tend to be expensive.
(855) 432-0512 / TTY 711
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Plan types offered
A, B, C, D, F, G, K, L and N
NAIC complaint rate
Close to expected
Premium discounts available
Below average
Plan types offered
A, B, C, D, F, G, K, L and N
NAIC complaint rate
Close to expected
Premium discounts available
Below average
Pros
- Nearly every Medigap plan type is available in most states.
Cons
- Premiums aren't very competitive.
- No online quotes.
Medicare Supplement Insurance ratings methodology
NerdWallet’s Medicare Supplement Insurance (Medigap) ratings are based on pricing, discounts, plan types offered, complaint data from the National Association of Insurance Commissioners, consumer experience, additional perks and benefits, and more. To calculate each health insurance company's rating, we adjusted the scores to a curved 5-point scale, rounded to the nearest half star.
NerdWallet reviewed 15 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. At the national level, our scored reviews include companies covering about two-thirds of all Medigap beneficiaries. At the state level, our research includes at least one of the two largest Medigap insurance companies in 48 of the 50 states, plus Washington, D.C.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Supplement Insurance.
Insurer complaints methodology
We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, we calculated a similar index for each insurance company, weighted by market shares of each subsidiary. We score companies based on this index of how many complaints the company receives relative to its market share. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
