About United American
United American Medicare plans provide qualified individuals access to high-quality health insurance coverage to meet their needs. United American offers group insurance, life insurance, and Medicare supplement plans for 2025. Medicare supplement insurance helps to support the financial costs left over for those who have Original Medicare or Medicare Part A and Part B.
It’s important to note that United American Medicare Advantage Plans are not available. The company does not offer Advantage plans (also known as Part C). Instead, it offers United American Medicare supplement policies, also known as Medigap coverage. The following information provides you with an update on United Medicare Supplement Plans 2025. Updates may happen at any time.
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Types of United American Medicare Supplement Insurance
A Medicare Supplement insurance policy, sometimes called Medigap or Med Supp, is a type of plan regulated by state insurance departments and created by the federal government. It is offered by private insurance companies like United American. It covers some of the out-of-pocket costs you have if you have Original Medicare, Parts A and B.
Medicare Supplement Plan Options
Medicare supplement insurance through United American is available under numerous plans, including the following:
Plan A
Plan A is the most basic option for Medicare benefits from United American. It offers:
- Medicare Part A coinsurance and hospital coverage (including up to an additional 365 days after Medicare Benefits run out.
- Medicare Part B coinsurance and copayment
- Blood (the first three pints)
- Part A hospice care coinsurance and copayment
Plan B
Plan Be offers everything listed above for Plan A. In addition to this, it also provides Medicare Part A deductible coverage, which means you may not have to pay a deductible for a hospital stay.
Plan D
Plan D from United American Insurance extends coverage further. It offers everything that Parts A and B offer, but it also offers skilled nursing facility coinsurance as well as foreign travel emergencies. Most plans have a limit on the amount of emergency travel care will be provided.
Plan G
Under Plan G, the Medicare supplement policy covers everything provided in Plans A, B, and D. The only difference is that it increases coverage by providing Medicare Part B excess charge coverage. This may apply when healthcare providers charge higher fees for services.
Plan K
Plan K is a bit different than others. It covers the following:
- Medicare Part A coinsurance and hospital coverage, with an additional 365 days after Medicare benefits are used
- Up to 50% of Medicare Part B coinsurance or copay
- Up to 50% of the cost of Blood (the first three pints)
- Up to 50% of Part A hospice care coinsurance or copayment
- UP to 50% of skilled nursing facility coinsurance
- Up to 50% of Medicare Part A deductibles
This plan can have an out-of-pocket limit. It typically offers a lower cost or low premium, but the coverage is significantly less as well.
Plan L
Plan L matches Plan K. However, it increases the amount of coverage in each of those areas from 50% to 75%. That means you have more coverage but not full coverage of those areas as you would in other plans.
Plan M
With Plan M, your policy provides everything offered by Part A but also includes skilled nursing coinsurance coverage. It provides only 50% of the coverage for Medicare Part A deductible. It also includes foreign travel emergency coverage.
Plan N
With Plan N, users get the same coverage types as Plan G. However, the difference is that Medicare Part B coinsurance or copayment coverage may apply to some copays.
Notes About United American Medicare Supplement Plans C and F
It is also important to know that, as with other Medigap plan providers, Plans C and F, as well as high deductible F, are only available to those who were eligible for Medicare prior to 2020. That means they are not available to those who are newly enrolled.
Benefits of Choosing United American Medicare Plans
United American Insurance Company has been a trusted provider of Medicare Supplement Insurance plan solutions since 1966. It is one of the largest providers. You can find United American Medigap Plans that cover many of the added costs you may have if you have Original Medicare. That includes hospital costs, medical services costs such as coinsurance, and even excess charges.
You will find a range of Medigap plan options to choose from to ensure you get the Medicare coverage you desire. If you are in the market to purchase Medicare supplemental insurance and you want comprehensive coverage in a high-deductible plan, speak to a licensed insurance agent today.
There are several benefits available when you choose United Americans Insurance for Medicare supplement insurance benefits:
- There are no networks. You do not have to worry about any network when it comes to choosing a medical provider, and you will not pay higher premiums or costs as you may for other services. You can choose anyone who accepts Medicare.
- Nationwide coverage is available at the same cost. You can obtain coverage for out-of-pocket expenses as long as you choose a provider who accepts Medicare.
- Guaranteed renewability is also a key benefit. You do not have to worry about losing your coverage in the future. As long as you are eligible for Medicare, you will not have to worry about no longer having access (keep in mind you must make all payments on time).
How to Enroll in United American Medicare Plans
Find the best plan for you. To enroll in this company, it is beneficial to complete a full Medicare comparison of the plans listed above. Determine which ones are best for your situation, what the premiums are for you (based on your location and age), and meet all eligibility requirements.
There are several different enrollment periods for Medicare plans, depending on your age and plan needs.
Initial Enrollment Period
This is when you can sign up for a plan
- Begins 3 months before the month you turn 65
- Ends 3 months after the month you turn 65
Medicare Open Enrollment Period
This is when you can sign up for a plan, switch a plan, or leave a plan
- Begins October 15th
- Ends December 7th
Special Enrollment Period
Special enrollment periods allow you to enroll outside the regular enrollment periods under specific circumstances.
General Enrollment Period
This is when you can sign up for Medicare Part A and/or Part B if you didn’t sign up when first eligible or if you’re not qualified for a Special Enrollment Period.
- Starts January 1st
- Ends March 31st
Medicare Advantage Open Enrollment Period
This is when you can switch or leave a Medicare Advantage Plan
- Starts January 1st
- Ends March 31st
FAQ
What Is Medigap Plan G vs Plan N?
As you look for affordable Medigap options, you may wish to choose Medigap G or Plan N. The difference between these plans is that Plan N has a copay for some medical office and emergency department visits. Plan G does not have this.
What are the benefits for seniors who use United American Medicare supplement plans?
For seniors who are looking for basic coverage, comprehensive coverage, or something in between, a United American plan can be beneficial. It will cover the added costs of your health care needs, including if you go to any doctor that accepts Medicare.
How to Get a Quote
Get a quote for United American Medicare supplement plans right now. Provide basic information, and we can provide you with a quote based on your age, health, eligibility criteria, and other information. There is no cost.
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