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Discover honest United American Insurance reviews from real customers. With a low 1.2/5 rating, explore complaints on claims denials, policy issues, and more. Get pros, cons, and better alternatives for Medicare supplements, cancer coverage, and final expense plans.
Quick Pick
For reliable coverage without the headaches, skip United American and explore our top-rated options in the Best Life Insurance guide. These picks prioritize customer satisfaction and smooth claims processing.
United American Insurance Company, established in 1981 and headquartered in McKinney, Texas, operates as a subsidiary of Globe Life. The company focuses on supplemental health insurance products designed to fill gaps in primary coverage. Key offerings include Medicare Supplement (Medigap) plans like Plan A and Plan F, cancer insurance, hospital indemnity, accident insurance, final expense life insurance, short-term medical plans, cancer riders, and dental add-ons.
These policies aim to cover deductibles, copays, hospital stays, cancer treatments, and end-of-life expenses. Sold exclusively through independent agents nationwide, United American targets seniors and those seeking affordable add-ons to Medicare or basic health plans. However, customer feedback paints a challenging picture: an overall rating of 1.2 out of 5 stars based on 47 detailed reviews. Common themes include claims denials, abrupt policy changes, and unresponsive service.
In this review, we'll break down real customer experiences, product performance, pros and cons, and actionable advice to help you decide if United American fits your needs—or if better options exist.
To help you evaluate quickly, here's a comparison of their main products based on customer-reported features, satisfaction scores (aggregated from reviews), and key coverage highlights. Ratings are derived from user feedback (1-5 scale).
| Product | Key Coverage Highlights | Avg. Customer Rating | Claim Processing Time (Reported) | Price Range (Monthly Est.) | Best For |
|---|---|---|---|---|---|
| Medicare Supplement Plan A | Basic deductibles, copays; pairs with Original Medicare | 1.3/5 | 4-6 weeks | $80-$150 | Budget Medicare gap filler |
| Medicare Supplement Plan F | Comprehensive: deductibles, coinsurance, excess charges | 1.1/5 | 5-8 weeks | $120-$250 | High out-of-pocket needs |
| Cancer Insurance | Lump-sum payouts for diagnosis/treatment | 1.0/5 | 6+ weeks | $30-$70 | Cancer-specific protection |
| Hospital Indemnity | Daily cash benefits for hospital stays | 1.4/5 | 3-5 weeks | $20-$50 | Short hospital visits |
| Accident Insurance | ER visits, fractures, surgeries | 1.2/5 | 4-7 weeks | $15-$40 | Active lifestyles |
| Final Expense Insurance | Funeral/burial costs, no exam | 1.5/5 | 2-4 weeks | $25-$60 | Seniors planning ahead |
| Short-Term Medical | Temporary gaps in coverage | 1.0/5 | 5-10 weeks | $50-$100 | Bridge between policies |
Data sourced from aggregated customer reviews; estimates vary by age/location/health.
Check our Best Auto Insurance guide for bundling tips that could lower overall costs.
Medicare Supplements (Medigap) are United American's flagship products, with Plan A offering essential coverage and Plan F providing broader protection until phased out for new enrollees. Customers praise the initial affordability—premiums often 20-30% below national averages—but satisfaction plummets post-claim.
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One customer shared: "After 15 years paying premiums faithfully, my Plan F claim for a hospital stay was denied over a technicality. They refunded premiums but left me with $10K in bills." Similar stories highlight frustration with fine print and agent miscommunications.
Our Take: If Medicare gaps worry you, weigh these risks. For alternatives, see Best Life Insurance.
Cancer insurance promises cash benefits upon diagnosis—up to $50,000 lump sums—while hospital indemnity pays $100-$500 daily for confinements. Riders enhance base policies, covering treatments or dental linked to illnesses.
Real Review Highlights:
Pros:
Cons:
These products score low due to denial rates reportedly over 40% in reviews. Recommendation: Compare with trusted options via our UnitedHealthcare Reviews 2024.
Accident policies cover mishaps like sprains ($200+) or surgeries ($5K+). Final expense offers guaranteed-issue life for burials ($5K-$25K). Short-term medical bridges gaps (up to 364 days).
Customers note easy sign-up but reliability issues:
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| Score Breakdown: Claims Handling: 1.1/5 | Customer Service: 1.0/5 | Value: 1.4/5 | Overall: 1.2/5. |
When shopping supplements:
For pet owners, consider Best Pet Insurance alongside human plans.
Yes, it's a licensed carrier since 1981 with state approvals, but low customer ratings signal caution.
Reviewers cite pre-existing conditions, policy lapses, or narrow definitions—always get written confirmations from agents.
Plan A/F offer basics, but frequent issues make higher-rated carriers preferable.
Explore mutual companies or top-rated insurers via our Best Life Insurance guide.
Yes, but refunds vary; check for penalties on recent payments.
UH has stronger service scores—see UnitedHealthcare Reviews 2024.
United American may suit low-risk buyers, but data urges exploring elsewhere for peace of mind.
