About United American
United American specializes in group insurance, life insurance, and supplemental insurance policies. While United Insurance does not offer basic Medicare packages, like Original Medicare and Medicare Advantage, the company offers a comprehensive suite of supplemental Medicare policies known as “Medigap” plans.
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United American Medicare Plans Available
United American offers supplemental Medicare policies, known as Medigap plans, that fill in the gaps where policies such as Original Medicare (Parts A and B) and Medicare Advantage (Part D) may not offer coverage. Medigap plans are ideal for those who have medical needs, prescriptions, or chronic illnesses that may not be covered by Original Medicare or Medicare Advantages.
United American Medicare Supplement Plans
Plan A
This plan covers the hospital coinsurance payment from Part A, as well as the coinsurance or copayment cost from Part B, in addition to up to an additional 365 days of hospital coverage, after Medicare benefits are used up. It also covers the first three pints of a blood transfusion.
Plan B
This plan offers all the extended benefits of Plan A, along with coverage of Medicare Part A’s deductible.
Plan D
Plan D offers all of the benefits of Plan B, and also covers coinsurance costs associated with stays in a skilled nursing facility and foreign travel emergency coverage.
Plan G
This supplemental plan covers any excess charges not covered by Medicare Part B, in addition to all of the coverage offered by Plan D.
Plan K
Plan K covers an additional 365 days of hospital coverage after Medicare benefits are used up, in addition to 50% of the following: the first three pints of a blood transfusion, the coinsurance or copayment of Part B, Part A hospice care coinsurance or copayment costs, skilled nursing facility coinsurance, and the deductible of Medicare Part A. Plan K also has out-of-pocket cost limits.
Plan L
Plan L covers an additional 365 days of hospital coverage after Medicare benefits are used up, in addition to 75% of the following: the first three pints of a blood transfusion, the coinsurance or copayment of Part B, Part A hospice care coinsurance or copayment costs, skilled nursing facility coinsurance, and the deductible of Medicare Part A. Plan K also has out-of-pocket cost limits.
Plan M
This supplemental plan covers an additional 365 days of hospital coverage after Medicare benefits are exhausted, in addition to 75% of the following: the first three pints of a blood transfusion, the coinsurance or copayment of Part B, Part A hospice care coinsurance or copayment costs, skilled nursing facility coinsurance, and 50% of the deductible of Medicare Part A. Foreign travel emergency costs are also covered.
Plan N
Plan N covers an additional 365 days of hospital coverage, plus the copayment or coinsurance costs of Medicare Part B, though copays apply with this plan. It also covers the first three pints of a blood transfusion, the coinsurance or copayment of Part B, Part A hospice care coinsurance or copayment costs, skilled nursing facility coinsurance, the deductible of Medicare Part A, and foreign travel emergency costs.
Enrolling in United American & Open Enrollment Period
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
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