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United American Medicare Supplement Plans for 2021

Original Medicare (Part A and Part B) helps with certain medical costs, but it doesn’t cover all service and supply fees. To help cover the out-of-pocket costs (deductibles, copayments, and coinsurance), Medicare beneficiaries can enroll in a Medicare Supplement or Medigap plan.

United American offers ten standardized Medicare Supplement to Medicare beneficiaries across the country. Read on to find out whether United American is the right insurer for your Medicare Supplement needs.

United American Insurance Company

About United American

United American was founded in 1947, and the insurer began to offer Medicare Supplement insurance plans in 1966. Today, United American is an established carrier that insurers millions of people in almost every state.

Key Features of United American Medicare

All 10 Medicare Supplement insurance plans (A, B, C, D, F, G, K, L, M, and N) are standardized, meaning they offer the same benefits regardless of which insurance company it is purchased from.

United American Medicare Supplement plans offer all the same fantastic coverage as other insurers. The carrier also offers:

  • 30 day, Free Look Period. You can cancel for any reason during the first 30 days with a full refund.
  • Freedom of Choice. You can see any healthcare providers provided they accept Medicare.
  • Take your coverage with you, policies will work anywhere in the US.
  • The policy is guaranteed renewable, and will not be canceled for health conditions.

Amongst all of the Medicare Supplement plans that United American offer, Plan F, Plan G, and Plan N are the most popular.

United American Medicare Supplement Plan F

Medicare Supplement Plan F has long been a favorite amongst Medicare beneficiaries because of the plan’s robust benefits. Plan F is widely considered one of the most complete Medigap plans on the market, covering almost every gap found in Medicare Part A & Medicare Part B plans.

With Plan F, out-of-pocket expenses are covered for any hospital and outpatient medical services. So, there are no deductibles or coinsurance that need to be met. Doctor’s visits, ambulance rides, labwork, chemotherapy, and more are all covered.

As of January 1, 2020, Medigap Plan F was discontinued. The change arose due to new legislation prohibiting the sale of Medigap plans that cover Medicare Part B deductible.

Although newly eligible beneficiaries are unable to buy Medicare Supplement Plan F. United American Medicare Supplement Plan F is available for applicants Medicare before 2020 may purchase Plan F.

High-Deductible Plan F

Plan F also has a high deductible option, which requires enrollees to pay a plan deductible before the plan becomes active. Once the plan deductible is met, United American pays 100% of covered services for the rest of the calendar year.

Because out-of-pocket costs are higher with High Deductible Plan F, the premiums tend to be significantly lower. The plan is a good option if you are in good health and have the funds to pay the deductible amount.

In 2020, the deductible for United American High Deductible F was $2,340.

United American Medicare Supplement Plan G

As Plan F has begun to phase out, Medicare Supplement Plan G has become even more popular. The two plans have exactly the same coverage except Plan G does not cover Medicare Part B annual deductible.

Because the Part B annual deductible ($198 in 2020) is minimal and premiums are often much lower on Plan G, the plan can be more cost-effective than Plan F.

United American Medicare Supplement Plan N

The third most popular Medicare Supplement is Plan N. The policy is very similar to Plan G but doesn’t cover Part B excess charges. Plan N enrollees are also responsible for copayments, such as a $20 copay for doctor visits and a $50 copay for ER visits.

If you don’t go to the doctor too often and are looking for a lower monthly premium, Plan N may be a smart choice.

United American Medicare Rates

United American offers competitive rates across all Medicare Supplement plans (A, B, C, D, F, G, K, L, M, and N). The price of Medicare Supplement plans naturally fluctuates depending on the type of plan and location, but United American consistently offers some of the most affordable rates available.

Every year, Medicare Supplement rates increase because of age. The increase varies from insurer to insurer; some try to keep rates as low as possible for their clients, while others might considerably bump up the rates.

Compared to other insurers, United American try to keep annual increases to a minimum. The average rate increase varies by state and can be anywhere between 0.00-3.2%.

United American Carrier Ratings

United American has been offering Medicare Supplement plans since the 1960s. For more than 40 consecutive years, United American has maintained an A+ rating from AM Best. The carrier also has an A+ rating with the Better Business Bureau (BBB).

How to Enroll

If you are enrolled in Original Medicare Part A and Medicare Part B, then you’re eligible to sign up for a Medicare Supplement Plan. It is advised that you enroll during the Medigap Open Enrollment Period – a 6-month period that starts the first day of the month you’re 65.

During this window, you will get better prices and a wider choice among policies. Even if you have existing health conditions, insurers cannot refuse coverage or charge you a higher premium.

After this enrollment period, insurance companies can decide if they wish to accept or decline your application. They can also charge you a higher premium due to past or present health problems.

If you are already enrolled in a Medicare Supplement plan and would like to switch to United American, you can do so at any time, so long as you complete the underwriting process and are approved for the new plan.

United American FAQ

Is United American Trustworthy?

Yes. United American has consistently earned an A+ rating from AM Best for more than 40 years. An AM Best rating represents the insurer’s ability to meet its obligations to policyholders.

United American is a multi-line insurer and has a 4-star rating on Consumer Affairs.

Where Is United American Medicare Supplement Accepted?

United American Medicare Supplement plans cover you nationwide. Wherever you move to in the country, your plan follows you. Regardless of which Medicare Supplement plan you choose, it is accepted at any health provider who participates in Original Medicare.

How Much Is a United American Medigap Health Plan?

Medicare Supplement premiums are based on several factors, including the type of plan and location. For that reason, monthly premiums can cost anywhere between $50 and $400, depending on your credentials and coverage needs.

For an accurate estimate of United American Medicare Supplement plans in your area, use our free quote tool. If you would like more information about Medicare Supplement plans and your options, speak to one of our licensed agents today at 1-844-236-0228.

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