united american medigap review — United American Insurance Company has sold Medicare Supplement coverage since 1947. The company is a subsidiary of Globe Life Inc. It is headquartered in McKinney, Texas. United American ranks among the largest individual Medigap underwriters in the country. The company offers up to nine of the ten standardized Medigap plans. It operates in 48 states plus the District of Columbia.
- United American Overview and Financial Strength
- United American Medigap Review: Medicare Plan Options
- United American Medicare Rates and Enrollment
- United American Additional Benefits and Perks
- United American Claims Process and Customer Service
- Pros and Cons of United American Medicare Plans
- Who Is United American Best For?
- Frequently Asked Questions
For this united american medigap review, we examined financial strength ratings, complaint data, plan options, and pricing methods. This review draws on data from medicare.gov, AM Best, the NAIC, and the BBB. Medicare beneficiaries considering supplement coverage will find a well-established carrier with strong financial marks but some notable trade-offs.
United American Overview and Financial Strength
United American Insurance Company was founded by C. L. Dunlap in 1947. It started as a small Texas-based insurer. The company has since grown into a national Medigap powerhouse. Globe Life Inc. acquired United American in 1981 through its former parent, Torchmark Corporation. Torchmark officially changed its name to Globe Life in 2019. United American relocated from Dallas to McKinney, Texas, in 1996. Globe Life followed and made McKinney its corporate home as well.
United American holds an A+ (Superior) financial strength rating from AM Best. The company has maintained this top-tier rating for over 40 consecutive years. This reflects exceptional financial stability and claims-paying ability. The Better Business Bureau also gives United American an A+ rating as an accredited business. However, NAIC complaint data tells a different story. United American policyholders file complaints about 13% more often than the national average. This figure comes from 2022 to 2024 data compiled by the National Association of Insurance Commissioners.
In addition, United American spent about 78% of Medigap premiums on member benefits. The industry average loss ratio is approximately 84.5%. A lower loss ratio means less of your premium dollar goes toward actual medical claims. This is an important factor in any united american medigap review. The table below summarizes key ratings from major evaluation sources.
| Rating Source | Score / Grade | Notes |
|---|---|---|
| AM Best | A+ (Superior) | Held 40+ consecutive years |
| BBB | A+ (Accredited) | Accredited business |
| NAIC Complaint Ratio | 1.13 (13% above avg) | Based on 2022–2024 data |
| CMS Star Rating | N/A | Does not apply to Medigap plans |
| JD Power | Not Ranked | Covers Medicare Advantage only |
| NerdWallet | 2.5 / 5 | 2026 overall performance review |
United American Medigap Review: Medicare Plan Options
United American specializes in Medicare Supplement insurance. The company sells nine of the ten standardized Medigap plans in most states. Available options include Plan A, Plan B, Plan C, Plan D, Plan F, High Deductible Plan F, Plan G, Plan K, Plan L, and Plan N. However, Plans C and F are only available to beneficiaries who became Medicare-eligible before January 1, 2020. For most new enrollees, Plan G offers the most comprehensive coverage.
This united american medigap review found that the company does not offer Medicare Advantage plans. It does not sell standalone Part D prescription drug plans either. United American also does not offer Special Needs Plans. The company focuses exclusively on Medigap supplement policies, life insurance, and supplemental health coverage. Beneficiaries who want Medicare Advantage or Part D will need to shop with a different carrier. You can compare those options at medicare.gov Plan Finder.
All United American Medigap plans are guaranteed renewable. They cannot be cancelled as long as premiums stay current. These policies are portable across the country. In most cases, you can use your plan with any provider who accepts Original Medicare. This flexibility appeals to beneficiaries who travel or split time between states.
United American Medicare Rates and Enrollment
United American uses attained-age pricing for its Medigap plans. This is the most common pricing method in the industry. Premiums start based on your age at enrollment. They increase automatically as you get older. In the past three years, United American premiums have risen an average of approximately 9.1% per year. This is higher than some competitors. As a result, long-term costs can add up significantly over time.
Rates also vary by location, gender, tobacco use, and plan type. United American does not sell policies directly to consumers online. Instead, the company works through a nationwide network of independent insurance agents. You can request a quote through the company website or call 844-593-8913 to find a local agent. This united american medigap review recommends comparing quotes from at least three carriers before making a decision.
The best time to enroll is during your Medigap Open Enrollment Period. This six-month window begins when you turn 65 and enroll in Medicare Part B. During this period, insurers cannot deny coverage or charge more for pre-existing conditions. Outside of this window, United American may require medical underwriting. Typically, applicants in good health will still qualify. However, those with significant health issues may face higher premiums or denial.
United American Additional Benefits and Perks
Medicare Supplement plans are standardized by the Centers for Medicare and Medicaid Services. This means Plan G from United American covers the same benefits as Plan G from any other carrier. Medigap policies do not include prescription drug coverage. They also do not include dental, vision, or hearing benefits. Wellness programs like SilverSneakers are not part of Medigap plans.
However, United American does offer some additional value to policyholders. The company provides exclusive discounts on vision services, hearing aids, and dental procedures. These discounts cover cleanings, exams, fillings, crowns, and implants. While these are not insurance benefits, they can reduce out-of-pocket costs. Many Medicare beneficiaries also carry a life insurance policy to protect their family. You can compare life insurance rates at Life Insure Guide to find affordable options alongside your Medigap coverage.
For this united american medigap review, it is worth noting a key distinction. Beneficiaries who want dental, vision, hearing, OTC allowances, telehealth, or meal delivery benefits should consider Medicare Advantage from a different carrier. These extras are typically bundled into Medicare Advantage rather than Medigap. United American does not offer Medicare Advantage plans at this time.
United American Claims Process and Customer Service
United American provides customer service by phone at 800-331-2512. Business hours are Monday through Friday, 7:30 a.m. to 5:00 p.m. Central Time. The company offers an online portal for policyholders. Through this portal, you can manage claims, pay premiums, and access policy documents. Medical providers can also submit claims electronically through the eService Center.
Because Medigap works alongside Original Medicare, the claims process is generally straightforward. In most cases, Medicare processes the claim first. The remaining balance is then sent to United American automatically. This crossover process reduces paperwork for beneficiaries. However, some customer reviews note frustration with processing times and communication. On Consumer Affairs, some policyholders rate the company highly for stable premiums and responsive service. Others report difficulties with cancellations and account access.
JD Power does not rank Medicare Supplement insurers in its annual study. As a result, no JD Power satisfaction score is available for this united american medigap review. JD Power focuses exclusively on Medicare Advantage plan satisfaction. Retirees should also review their homeowners coverage alongside Medicare choices. You can compare home insurance rates at Home Insure Guide to make sure you are fully protected in retirement.
Pros and Cons of United American Medicare Plans
Pros:
- A+ (Superior) AM Best rating held for over 40 consecutive years demonstrates exceptional financial strength
- Offers nine of the ten standardized Medigap plans for broad plan selection
- Available in 48 states plus the District of Columbia for nationwide access
- Guaranteed renewable policies that cannot be cancelled as long as premiums are paid
Cons:
- Average premium increases of approximately 9.1% per year over recent years exceed the industry norm
- Loss ratio of 78% falls below the 84.5% industry average, meaning less premium goes toward benefits
- NAIC complaint ratio is 13% above the national average based on 2022 to 2024 data
Who Is United American Best For?
This united american medigap review finds the company best suited for beneficiaries who prioritize financial stability above all else. An A+ AM Best rating held for over four decades is rare in the insurance industry. If you want confidence that your insurer will pay claims for decades to come, United American delivers on that promise.
United American is a strong choice for Plan G shoppers in particular. Plan G is the most popular Medigap plan for beneficiaries who became Medicare-eligible after 2020. It covers everything except the annual Part B deductible. With nine plans available, United American also serves those who want less common options like Plan K or Plan L. These cost-sharing plans offer lower monthly premiums in exchange for higher out-of-pocket costs when you use services.
However, this united american medigap review suggests shopping carefully on price. United American premiums tend to run higher than many competitors. The company’s loss ratio and complaint data also fall below industry benchmarks. Beneficiaries who are price-sensitive may find better value elsewhere. For those who value long-term financial security and wide plan variety, United American remains a competitive Medigap carrier.
Frequently Asked Questions
Is United American a good company for Medicare Supplement insurance?
United American is a financially strong company with an A+ AM Best rating held for over 40 years. However, its premiums tend to be higher than average. In most cases, beneficiaries should compare quotes from multiple carriers. A thorough united american medigap review shows strong financial backing but above-average costs.
What Medigap plans does United American offer?
United American sells Plans A, B, C, D, F, High Deductible F, G, K, L, and N. Plan availability varies by state. For example, Plans C and F are only available to those eligible for Medicare before January 1, 2020.
Does United American offer Medicare Advantage or Part D plans?
No. United American focuses exclusively on Medicare Supplement insurance. It does not offer Medicare Advantage HMO or PPO plans, Part D drug plans, or Special Needs Plans. Typically, beneficiaries seeking those options should explore other carriers through medicare.gov.
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Official Sources & Resources
For verified information on Medicare plans, ratings, and enrollment:
- Medicare.gov (Official): medicare.gov
- CMS.gov (Centers for Medicare & Medicaid): cms.gov
- AM Best (Financial Strength Ratings): ambest.com
- NAIC (Complaint Ratios): naic.org
- State Health Insurance Assistance Program (SHIP): shiphelp.org
- Kaiser Family Foundation (KFF): kff.org
Content last reviewed April 2026. If you notice any outdated information, please contact us.