Yes, United American can be a good Medicare Supplement insurance company, particularly for someone who wants standardized Medigap coverage that works with Original Medicare and allows them to see any provider nationwide who accepts Medicare. United American has sold Medicare Supplement insurance since Medicare began in 1966, and AM Best currently gives United American Insurance Company an A (Excellent) Financial Strength Rating with a stable outlook.
But that doesn’t automatically mean United American is the best Medicare Supplement company for you.
With Medicare Supplement insurance, the company name is only part of the decision.
Your plan letter, premium, age, ZIP code, eligibility, underwriting situation, household discounts where available, and how the company’s rates compare with other insurers can matter just as much.
So if you’re considering United American, the better question is:
How does a United American Medicare Supplement compare with the other Medigap policies available to me?
That’s where working with someone who can compare multiple Medicare Supplement companies can be much more useful than simply requesting a quote from one carrier.
Need help comparing United American with other Medicare Supplement companies? Call Medicare Plan Assistance at (561) 808-9410. A licensed Medicare agent can help you compare your options and determine which carriers and plans are available in your area.
Quick Answer: Is United American Medicare Supplement Good?
For the right person, yes.
Here are some of the reasons United American deserves consideration:
| What to Consider | United American |
|---|---|
| Medicare Supplement experience | Selling Medicare Supplement insurance since 1966 |
| Financial strength | A (Excellent) AM Best Financial Strength Rating as of Nov. 12, 2025 |
| Provider networks | Standard Medigap policies don’t restrict you to a Medicare Advantage-style provider network |
| Nationwide use | Can generally be used with providers throughout the U.S. who accept Medicare |
| Plan options | Multiple standardized Medigap plan letters, depending on state |
| Guaranteed renewable | Standard Medigap protections apply as long as required conditions are met |
| Prescription drugs included? | No; modern Medigap policies don’t include Part D |
| Best for everyone? | No—rates, availability and individual circumstances matter |
United American’s current Medicare Supplement materials say it has offered Medicare Supplement coverage since Medicare’s beginning and offers policies that can be used with physicians who accept Medicare. The company also reports more than 50 consecutive years with an A (Excellent) or higher AM Best rating; AM Best independently lists its current Financial Strength Rating as A (Excellent), stable outlook.
The Most Important Thing to Understand About United American Medigap
Here’s something many people don’t realize when shopping for Medicare Supplement insurance:
United American doesn’t get to create its own version of Plan G.
Medigap policies are standardized.
That means, in most states:
United American Plan G
and
Another insurance company’s Plan G
provide the same standardized basic Plan G benefits.
Medicare specifically states that the benefits within the same lettered Medigap plan are the same regardless of which insurance company sells the policy.
That changes the way you should shop.
You aren’t necessarily asking:
“Does United American Plan G cover more than Company X’s Plan G?”
Instead, you’re often asking:
“If the standardized benefits are the same, which company makes the most sense for me based on premium and other relevant carrier considerations?”
That’s a much better Medicare Supplement question.
United American Plan G: Is It Good?
For people newly eligible for Medicare, Plan G is one of the most comprehensive standardized Medigap options available.
United American offers Plan G in states where the policy has been approved and made available.
Standard Plan G generally covers:
- Medicare Part A coinsurance and hospital costs for an additional 365 days after Medicare benefits are exhausted
- Part B coinsurance or copayments
- The first three pints of blood
- Part A hospice coinsurance or copayments
- Skilled nursing facility coinsurance
- The Medicare Part A deductible
- Medicare Part B excess charges
- Foreign travel emergency benefits, subject to plan limits
What doesn’t standard Plan G cover?
The Medicare Part B deductible.
Once you’ve satisfied the applicable Part B deductible, Plan G generally provides very comprehensive coverage for the Medicare-approved expenses that fall within its standardized benefits.
So the coverage itself can be attractive.
The bigger question is:
What will United American charge you for Plan G compared with other companies offering the same standardized Plan G?
United American Plan G vs Another Company’s Plan G
Imagine you’re comparing three companies.
These numbers are hypothetical:
| Carrier | Plan | Monthly Premium | Standardized Plan G Benefits |
|---|---|---|---|
| United American | G | $165 | Same standardized Plan G benefits |
| Company B | G | $142 | Same standardized Plan G benefits |
| Company C | G | $181 | Same standardized Plan G benefits |
Would paying $181 automatically mean Company C provides better Plan G medical benefits?
No.
Would paying $142 automatically mean Company B is the best long-term choice?
Not necessarily.
Medicare says price is the difference between policies with the same standardized plan letter sold by different companies, while premiums can vary widely.
That’s why you want to compare the same letter against the same letter.
Plan G vs Plan G.
Plan N vs Plan N.
Not simply:
United American vs another company.
What Medicare Supplement Plans Does United American Offer?
United American’s offerings vary by state.
Depending on where you live and your eligibility, the company may offer several standardized Medicare Supplement plans.
For example, United American’s current Florida materials identify policies including:
- Plan A
- Plan B
- Plan D
- Plan G
- Plan N
- Plan C*
- Plan F*
- High-Deductible Plan G
- High-Deductible Plan F*
*Eligibility restrictions apply to Plans C and F. People newly eligible for Medicare on or after January 1, 2020 generally cannot purchase Medigap plans that cover the Part B deductible, including Plans C and F.
Plan availability also varies by state.
That’s another reason not to assume something you read about United American in Florida will necessarily be identical to what’s offered in Texas, Ohio or another state.
United American Plan G vs Plan N
If you’re looking at United American, two plans you’re likely to encounter are Plan G and Plan N.
They aren’t identical.
| Feature | Plan G | Plan N |
|---|---|---|
| Part A coinsurance | Covered | Covered |
| Part A deductible | Covered | Covered |
| Skilled nursing coinsurance | Covered | Covered |
| Part B coinsurance | Covered | Covered, subject to Plan N copays |
| Part B deductible | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Certain office visit copays | No Plan N-style copay | Up to $20 |
| Certain ER copays | No Plan N-style copay | Up to $50 if visit doesn’t result in inpatient admission |
Plan N can sometimes have a lower premium than Plan G, but you’re accepting additional cost-sharing and no coverage for Part B excess charges.
Neither is automatically “better.”
The right comparison is:
How much premium am I saving?
versus
What additional costs or responsibilities am I accepting?
What Are the Advantages of United American Medicare Supplement?
1. Long Medicare Supplement history
United American says it developed its first Medicare Supplement policy in 1966, the year Medicare began.
Longevity doesn’t guarantee that a carrier will always have the best rate, but experience in the Medigap market is a reasonable factor to consider.
2. Strong AM Best financial rating
AM Best currently lists United American Insurance Company’s Financial Strength Rating as:
A (Excellent)
with a stable outlook, effective November 12, 2025.
A financial-strength rating evaluates an insurer’s financial position and ability to meet its insurance obligations.
It is important, however, not to misinterpret the rating.
An A rating doesn’t mean:
“United American Plan G has better medical benefits.”
It relates to the insurer’s financial strength—not whether its premium is the best available for you.
3. No Medicare Advantage-style provider network
Standard Medicare Supplement coverage works alongside Original Medicare.
United American states that its Medigap coverage can be used with physicians who accept Medicare rather than restricting members to a company-specific network.
That’s an important distinction for people who prioritize provider flexibility.
If you spend part of the year in Florida and another part somewhere else, for example, the ability to use providers accepting Medicare around the country can be particularly attractive.
4. Standardized benefits make the coverage easier to compare
You don’t have to decipher whether United American’s standard Plan G has fundamentally different basic benefits from another insurer’s standard Plan G.
Medicare standardization makes the comparison easier.
Once you’ve selected the Medigap letter that fits your needs, you can focus more closely on the companies selling it.
5. Guaranteed renewable protection
Standardized Medigap policies are generally guaranteed renewable.
Medicare explains that once you buy a Medigap policy, you can keep it as long as you continue paying your premiums, subject to limited exceptions such as material misrepresentation or the insurer becoming insolvent.
United American similarly describes its policies as guaranteed renewable.
That means developing a health problem later doesn’t by itself allow the insurer to cancel your Medigap policy.
What Are the Potential Downsides of United American?
A balanced review also needs to address reasons it might not be your best choice.
1. The premium may not be the lowest available
This is probably the biggest issue to investigate.
United American could be competitively priced for one person and considerably more expensive for another.
Medigap premiums can vary based on factors including:
- Location
- Age
- Tobacco use
- Sex where permitted
- Household discounts
- Rating methodology
- Eligibility
- Underwriting
- Carrier pricing
Don’t assume United American is expensive.
But don’t assume it’s inexpensive either.
Get an actual quote.
Better yet, compare the quote with other companies offering the same plan letter.
2. Your premium can increase
Medigap isn’t necessarily a “lock in today’s premium forever” product.
Medicare notes that Medigap premiums typically increase over time.
The way a company prices its policies can affect what you pay now and later.
So when someone asks:
“United American is $X per month—is that good?”
we need more information.
Good compared with what?
A proper comparison should look at other available carriers for the same standardized plan.
3. Medigap Doesn’t Include Prescription Drug Coverage
This isn’t a United American disadvantage specifically.
It’s a feature of modern Medigap policies generally.
Medigap policies sold after 2005 don’t include outpatient prescription drug coverage.
Someone choosing:
Original Medicare + United American Medigap
may also need to consider:
a separate Medicare Part D prescription drug plan.
That’s an additional premium and an additional coverage decision.
4. Dental, Vision and Hearing Aren’t Standard Medigap Benefits
People sometimes compare a Medicare Supplement with a Medicare Advantage plan and wonder:
“Where is my dental allowance?”
That’s not what standard Medigap is designed to do.
Medicare says Medigap generally doesn’t cover:
- Routine dental care
- Routine vision care
- Hearing aids
- Long-term care
- Private-duty nursing
If these benefits matter to you, you may need separate coverage.
Don’t judge United American Plan G negatively because it doesn’t include a $2,000 dental allowance.
Another company’s standard Plan G isn’t going to transform Plan G into a dental plan either.
5. Switching Later May Require Medical Underwriting
This point is extremely important.
People sometimes shop for Medicare Supplement insurance as though they can simply change companies every year during Medicare Open Enrollment.
That’s not how Medigap generally works.
Your federal Medigap Open Enrollment Period lasts six months beginning when you’re 65 or older and enrolled in Medicare Part B.
During that period, you have important protections.
Afterward, unless you have a guaranteed-issue right or other protection under applicable law, an insurance company may be allowed to use medical underwriting.
That can affect whether you’re accepted or what options are available.
So don’t choose a Medigap company solely because it’s $3 cheaper today without considering the decision carefully.
Is United American a Good Company for Someone Who Travels?
A Medicare Supplement can be particularly attractive for domestic travelers.
With Original Medicare plus a standard Medigap policy, you’re generally not dealing with the same HMO/PPO network structure commonly associated with Medicare Advantage.
United American specifically states that its standard Medigap coverage is accepted by physicians throughout the United States who accept Medicare.
Some standardized Medigap plans—including Plan G and Plan N—also include limited foreign-travel emergency benefits.
That doesn’t mean unlimited worldwide healthcare coverage.
But for someone who:
- Lives in Florida part of the year
- Spends summers in another state
- Travels frequently around the United States
- Wants access to specialists in different states
Original Medicare + Medigap can be worth comparing carefully.
Does United American Medicare Supplement Require Referrals?
A standard United American Medigap policy isn’t operating as your primary HMO or PPO network.
Original Medicare remains your primary Medicare coverage.
Therefore, you generally aren’t dealing with a United American referral requirement before seeing a Medicare-participating specialist in the way you might encounter referral rules under certain managed-care arrangements.
That’s an important distinction.
United American supplements Original Medicare; it doesn’t replace Original Medicare.
Does United American Plan G Cover Pre-Existing Conditions?
This question needs a careful answer.
The standardized benefits of Plan G don’t change because you have a pre-existing health condition.
But your ability to buy the policy can depend on when you’re applying.
During your one-time federal Medigap Open Enrollment Period, an insurer can’t deny you a Medigap policy because of your health problems.
Outside that protected period, medical underwriting may be allowed unless you have a guaranteed-issue right or another applicable state/federal protection.
That means two people asking for United American Plan G could face completely different enrollment circumstances.
Person A
Just turned 65 and is within Medigap Open Enrollment.
Person B
Has had Medicare for seven years and wants to leave another Medigap company.
Those aren’t necessarily the same application.
Before cancelling an existing Medicare Supplement policy, make sure you understand whether the replacement policy has actually been approved and when it becomes effective.
Who Might United American Be a Good Fit For?
United American may deserve a particularly close look if you:
✓ Want to stay with Original Medicare
✓ Prefer broad access to providers who accept Medicare
✓ Travel domestically
✓ Want Plan G, Plan N or another United American plan available in your state
✓ Receive a competitive United American premium
✓ Value a carrier with a long history in Medicare Supplement insurance
✓ Value its current A (Excellent) AM Best Financial Strength Rating
But none of those automatically establishes that it’s your best option.
Who Should Compare United American More Carefully?
Do additional comparison shopping if:
- United American’s premium is significantly higher than other carriers
- You’re outside Medigap Open Enrollment
- You have health conditions that could affect underwriting
- You’re replacing an existing Medicare Supplement
- You’re primarily interested in dental, vision, OTC or other supplemental benefits
- You need prescription drug coverage
- You’re deciding between Medicare Advantage and Medigap
- You’re unsure whether Plan G, Plan N or High-Deductible G fits you better
These situations are exactly where a licensed agent who represents multiple options can add value.
Is United American Better Than AARP/UnitedHealthcare or Mutual of Omaha?
There’s no responsible universal answer.
You might be comparing companies such as:
United American
vs.
AARP-branded Medicare Supplement plans insured by UnitedHealthcare
vs.
Mutual of Omaha
vs.
other Medigap insurers available in your state.
If you’re comparing Plan G, remember the central rule:
Plan G’s standardized basic benefits are Plan G’s benefits.
So instead of asking only:
“Which brand is better?”
compare:
| Question | Why It Matters |
|---|---|
| What’s my premium today? | Determines current cost |
| Are discounts available? | May change your actual premium |
| How is the policy priced? | Relevant to understanding rates |
| What’s the company’s financial strength? | Helps evaluate the insurer |
| What’s the enrollment/underwriting situation? | Determines whether you can obtain coverage |
| How do comparable carriers price the same plan? | Gives the quote context |
| Which plan letter fits me? | Plan G and Plan N aren’t identical |
That’s a much more meaningful comparison than choosing the logo you recognize most.
Don’t Call United American Until You Know What You’re Comparing
There is nothing wrong with getting a quote directly from an insurance company.
But consider the limitation.
If you ask one carrier:
“What’s your Plan G price?”
you learn that carrier’s price.
What you haven’t necessarily learned is:
How does that price compare with the other Medicare Supplement companies available to me?
That’s why talking with an independent licensed Medicare agent can be valuable.
A good agent should be able to help you determine:
- Which Medigap plan letter fits your priorities
- Which companies offer it in your area
- What the premiums look like
- Whether discounts may apply
- Whether underwriting applies to your situation
- Whether another carrier deserves consideration
- What Part D coverage you’ll need alongside Medigap
Already Have a United American Medicare Supplement?
Then the question becomes different.
Instead of asking:
“Is United American good?”
ask:
“Is my United American policy still competitive for me?”
Pull out your current premium.
Then identify your exact plan:
Plan F?
Plan G?
Plan N?
High-Deductible G?
From there, you can determine whether there are other policies worth investigating.
Important:
Do not cancel your current Medigap policy simply because you find a lower advertised premium.
Outside certain protected enrollment situations, switching Medigap policies may involve medical underwriting.
Get the new coverage properly evaluated and approved before making changes to existing coverage.
So, Is United American a Good Medicare Supplement?
Yes—United American can be a very reasonable Medicare Supplement carrier to consider.
It has several attributes that support putting it on the comparison list:
- Medicare Supplement experience dating to 1966
- An A (Excellent) AM Best Financial Strength Rating
- Standardized Medigap options
- Nationwide provider flexibility when using doctors who accept Medicare
- Plan G and Plan N availability in many markets
- Guaranteed-renewable Medigap coverage subject to policy requirements
But here’s the most important takeaway from this entire review:
A good Medicare Supplement company isn’t automatically a good Medicare Supplement quote.
If United American Plan G costs significantly more for you than another reputable company’s Plan G, remember that the standardized Plan G benefits are the same.
On the other hand, choosing whichever company shows the lowest initial number without understanding your eligibility and coverage is also an incomplete strategy.
Compare first. Then decide.
Get Help Comparing United American Medicare Supplement Plans
If you’re considering United American, you don’t have to figure out the comparison alone.
Medicare Plan Assistance can help you look at:
United American
alongside
other Medicare Supplement companies and plans available to you.
We’ll help you evaluate the decision based on your:
- Age
- ZIP code
- Medicare effective dates
- Medigap enrollment rights
- Desired plan letter
- Current coverage
- Available premiums
- Prescription needs
- Overall Medicare strategy
Call Medicare Plan Assistance at (561) 808-9410.
Tell us:
“I’m looking at United American and want to compare my Medicare Supplement options.”
That gives us a clear starting point.
There is no obligation to enroll simply because you compare your options.
The objective isn’t to sell you United American—or talk you out of it.
It’s to determine whether United American actually makes sense for you.
Frequently Asked Questions
Is United American a good Medicare Supplement company?
United American can be a good Medicare Supplement company to consider. It has sold Medicare Supplement insurance since 1966 and currently holds an A (Excellent) Financial Strength Rating from AM Best. Whether it’s a good choice for you also depends on its premium, plan availability and your individual enrollment situation.
Is United American Plan G good?
United American Plan G provides the standardized Plan G benefits required for Plan G policies. Because Plan G benefits are standardized, an important consideration is how United American’s premium and other carrier factors compare with other insurers offering Plan G in your area.
Is United American Medicare Supplement accepted nationwide?
United American states that its standard Medicare Supplement coverage can be used with physicians throughout the United States who accept Medicare. Medigap works alongside Original Medicare rather than using a typical Medicare Advantage provider network.
Is United American Plan G better than another company’s Plan G?
The standardized basic benefits of Plan G are the same regardless of the insurance company selling it. The companies can differ in premiums and other carrier-specific factors, so it’s important to compare the same plan letter across insurers.
Does United American Medicare Supplement include prescription coverage?
No. Modern Medigap policies don’t include Medicare Part D prescription drug coverage. If you need drug coverage, you can generally consider a separate Medicare Part D plan.
Can United American deny my Medicare Supplement application?
During your federal Medigap Open Enrollment Period, insurers can’t deny you a Medigap policy because of pre-existing health problems. Outside that period, medical underwriting may apply unless you qualify for guaranteed-issue or other applicable protections.
Can I switch from another Medicare Supplement to United American?
You can apply, but outside your Medigap Open Enrollment Period or a guaranteed-issue situation, underwriting may apply. Don’t cancel existing Medigap coverage until you understand your eligibility and the new policy’s approval and effective date.
How can I compare United American with other Medicare Supplement companies?
A licensed Medicare agent can help compare available carriers offering the same Medigap plan letter in your area. Medicare Plan Assistance can help you review United American alongside other available Medicare Supplement options at (561) 808-9410.
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