United American Insurance

Medicare Supplement Insurance Policies

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United American Insurance Company

By Evan Tunis

Florida Healthcare Insurance is proud to offer Medicare Supplement Insurance policies from United American Insurance Company (Globe Life).

 If you are considering Medigap Plans then one of the best plan options include United American Insurance to supplement your Original Medicare.   

United American Medigap Plans will offer protection from significant out of pocket costs and care when you need it the most. 

Couple with United American Insurance

Why United American Insurance’s ProCare Plans are a Smart Choice?

United American Insurance has been a trusted name by doctors and hospitals nationwide since 1966, providing quality Medicare Supplement Insurance to seniors as regulated by the State Department of Insurance. United American Insurance quickly developed an industry-wide stellar reputation and is one of the largest nationwide underwriters of individual insurance to supplement Medicare.

ProCare Features

Let’s take a look at some of the great features you have with United American Insurance ProCare as your Medicare Supplement plan:

  • Freedom to Choose & Nationwide Acceptance: With UA ProCare, there is no designated physician list or approval process to see a specialist. These plans are recognized and accepted nationwide.
  • Cancellation Protection: UA’s Medicare Supplement policies offer protection that can never be canceled (unless there is a material misrepresentation) as long as premiums are paid timely.
  • Guaranteed Qualification: Medicare Supplement coverage from United American Insurance usually features on-the-spot qualification.
  • Local Guidance: Florida Healthcare Insurance agents offer local guidance to you with the ability to meet face-to-face, over the phone, or virtually to ensure you understand and are happy with your coverage. We are local in the Coral Springs, FL/Parkland area and beyond.

Available Plans and Benefits

We offer Medicare Supplement policies for 11 of the 12 Medicare Plans, however, for simplicity purposes, Florida Healthcare Insurance focuses mainly on Plans F, G, and N. All of the plans offer the following standard benefits:

  • Hospitalization: Medicare Part A coinsurance plus coverage for an additional 365 days after Medicare benefits end.
  • Medical Expenses: Medicare Part B coinsurance (generally 20% of Medicare approved expenses) or copayments for hospital outpatient services. Plans K, L, and N require insured to pay a portion of the Part B coinsurance or copayment.
  • Blood: The first 3 pints of blood is covered each year.
  • Hospice: Medicare Part A coinsurance for eligible hospice/respite care expenses.

*Note: Only applicants first eligible for Medicare Part A before 2020 may purchase Plans, C, F, and High Deductible Plan F.

Here is a visual breakdown of available plans and basic benefits:

United American Insurance Plan Comparison Chart

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United American Policies and Effective Coverage

30-Day Review Period

The Medigap supplement insurance plan offers a 30-day period after you’ve received your ProCare policy where you can cancel for any reason. Simply contact one of our expert agents and we will be able to help you with the process. Any premium, less any claims paid will be refunded.

Effective Date of Coverage

The policy will show its effective date of coverage when the policy applied for has been issued.  This is different from other carriers who will only issue plan on the 1st of each month.  A huge plus in our opinion.

Pre-Existing Conditions

Loss due to injury or sickness for which medical advice or treatment was recommended or given by a physician within 6 months prior to policy effective date is not covered unless the loss is incurred more than 60 days (6 months for underage 65 disability) after the effective date — with the exception of open enrollment/guaranteed issue periods. The waiting period is waived if you are replacing a Medicare Supplement policy.

How UA is Revolutionizing Health Insurance in the US

UA has been providing health insurance to US residents for over 70 years. During this time, the company has established itself as a trusted provider of quality healthcare coverage at affordable rates. Here are some ways in which United American Insurance is revolutionizing health insurance in the US:

  • ProCare Plans: United American Insurance’s ProCare Plans are designed to provide comprehensive coverage at an affordable price. These plans come with a wide range of benefits, including prescription drug coverage, dental and vision care, and wellness programs. ProCare plans are a popular choice for those who want quality healthcare coverage without breaking the bank.
  • Telemedicine Services: United American Insurance offers telemedicine services that allow members to consult with healthcare providers remotely. This is a convenient option for those who are unable to visit a doctor’s office in person or track their claim status. With telemedicine services, members can receive medical advice and treatment from the comfort of their own homes.
  • Customer Service: UA is known for its exceptional customer service. The company has a team of dedicated representatives who are available to answer questions and provide support. Members can access customer service through phone, email, or online chat.
  • Network of Healthcare Providers: We have a network of healthcare providers who are committed to providing quality care to members. The company works with doctors, hospitals, and specialists to ensure that members have access to the best possible care.
  • Affordable Rates: We offer competitive rates to cover health insurance plans. The company understands that healthcare costs can be a significant burden for many families, and strives to provide affordable options for its members.
  • Health and Wellness Programs: United American Insurance offers a variety of health and wellness programs to help members stay healthy. These programs include weight loss programs, smoking cessation programs, and fitness programs. Members can access these life insurance programs online or through their mobile devices.
  • Personalized Health Coaching: UA provides personalized health coaching services to help members achieve their health goals. Members can work with a health coach to develop a personalized plan for improving their health and wellness.
  • Health Savings Accounts: We offer health savings accounts (HSAs) to help members save money on healthcare costs. HSAs are tax-free savings accounts that can be used to pay for qualified medical expenses.
  • Medigap Supplement Plans: United American Life Insurance company offers Medigap supplement plans to help seniors pay for healthcare costs that are not offered by Medigap. These medigap plans are designed to provide additional coverage for things like prescription drugs, dental care, and vision care. Their availability may also vary by state.

Ultimately, the UA is revolutionizing health insurance in the US by providing comprehensive coverage, telemedicine services, exceptional customer service, a network of healthcare providers, lower monthly premium rates, health and wellness programs, personalized health coaching, health savings accounts, and Medicare supplement plans. If you’re looking for quality healthcare coverage, we’re an excellent company for you.

Seniors With United American Insurance

Are There Any Limitations or Exclusions?

There are no benefits payable for: any expense which you are not legally obligated to pay; or, any services that are not medically necessary as determined by Medigap; or any portion of any expense for which Medigap makes payment; or custodial or intermediate level care, or rest cures; or any type of expense not eligible for coverage under Medigap insurance, except as provided under the Foreign Travel Emergency benefit.

Unpacking the Comprehensive Coverage and Benefits of United American Insurance

United American Insurance offers a compelling suite of services through their ProCare Plans, designed with affordability and comprehensive coverage in mind. Coverage ranges from essential elements like prescription drug coverage, to dental and vision care, and extends to wellness programs tailored to various healthcare needs.

Further, their telemedicine services offer policyholders the unique benefit of receiving medical advice from anywhere, enhancing accessibility to healthcare. This emphasis on holistic wellbeing is further amplified by personalized health coaching services, designed to help members achieve their health goals with customized strategies.

Additionally, seniors find added value in Medigap Supplement Plans, which cover healthcare costs not included under Medigap. These plans exemplify United American Insurance’s commitment to revolutionizing health insurance in the US.

Choosing the Best United American Medicare Supplement Plan

Selecting the most suitable United American Medicare Supplement plan can be challenging, as each plan offers different benefits that cater to various situations. The ideal plan for you may differ from what is best for your coworker, spouse, or neighbor.

Considering your financial situation and healthcare needs, the most popular Medicare Supplement plans tend to be Plan F, Plan G, Plan N, or a high-deductible plan.

While monthly premiums are an essential factor, it is crucial to look beyond them. Plans with lower premiums may have higher out-of-pocket costs, resulting in more expenses when receiving care.

To find the best United American Medicare Supplement plan for your needs, it is highly recommended to consult a licensed agent who specializes in Medicare coverage. By working with an expert, you can make a more informed decision that aligns with your unique circumstances.

Is United American Insurance part of United Healthcare?

Although both carriers use the term “United” in its title the two companies are completely different entities.  United American is owned by Globe Life and has been offering Medicare supplements for over 57 years.  United Healthcare has offered Medicare supplements for 27 years.  Both are fabulous companies and you would be in excellent hands with either carrier.

Of course, you can discuss this with us for free, simply contact us HERE.

Why Work with Florida Healthcare Insurance For Your Medicare Supplement Plans?

There are a plethora of Medicare insurance agencies that offer similar services, so why work with Florida Healthcare Insurance? We offer superior coverage from top-rated Medicare companies (like United AmericanLife Insurance) through extensive research on what will best fit each Medicare recipient. Our goal with working with United American Insurance/Globe Life inc is to fit your Medicare needs with a wonderful company.

In addition to Medicare supplemental insurance policies, United American Insurance also provides cash cancer policies, critical illness insurance and an online portal to simplify the experience and claims process.

As policyholders and retirees we believe that United American Insurance company fulfills what we are seeking in an insurance company and Medicare Healthcare Providers. You can contact United American directly. The phone number for UA is 972-579-5086.  For a quote from a broker who offers United American the phone number is 954-282-6891.

With over twenty years of experience in Health Insurance, Medicare, and Medicare Supplements, we know the right questions to ask to simplify the Medicare process and ensure you’re receiving the quality coverage you deserve — just check out the hundreds of five-star reviews!

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