Monthly premium, pricing methodology, future premium changes, discounts, underwriting, application process, customer service, financial strength and administrative experience all matter.
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UNITED AMERICAN MEDICARE SUPPLEMENT GUIDE
Same standardized Medicare benefits. A very different carrier decision.
United American has offered Medicare Supplement insurance since Medicare began in 1966.
If you’re comparing United American with another Medigap company, the question isn’t whether United American’s Plan G has “better Plan G benefits.” It can’t.
Standardized Medigap Plan G benefits are essentially the same regardless of the company selling the policy.
What you should compare is:
Already have Medicare? You can use these guides to understand your current coverage too.
Yes, where available.
Yes, where available.
Yes, where available.
Generally yes, because Medigap works with Original Medicare rather than a Medicare Advantage provider network.
United American Insurance Company has been involved in Medicare Supplement insurance for nearly the entire history of Medicare.
United American says it developed its first Medicare Supplement policy in 1966, the year Medicare began, and today remains a major insurer of individual coverage designed to supplement Original Medicare. But longevity alone shouldn’t determine which Medicare Supplement company you choose.
With Medigap, the benefits are standardized. The carrier decision is not.
STANDARDIZED
This side is Medicare standardized.
CARRIER-SPECIFIC
This side is why the carrier still matters.
If you’re considering United American, there are two separate decisions to make.
Plan G? Plan N? High-Deductible Plan G? Another standardized Medigap option?
Monthly premium, pricing methodology, future premium changes, discounts, underwriting, application process, customer service, financial strength and administrative experience all matter.
United American’s individual Medicare business is centered primarily on Medicare Supplement insurance, also known as Medigap. Availability varies by state.
Standardized Medigap option in qualifying states.
Standardized Medigap option in qualifying states.
Standardized Medigap option in qualifying states.
A leading option for broad cost-sharing protection.
Lower-premium potential with some additional cost sharing.
For qualifying beneficiaries first eligible for Medicare before January 1, 2020.
For qualifying beneficiaries first eligible for Medicare before January 1, 2020.
Lower fixed premium with a larger annual deductible before plan benefits begin.
For qualifying pre-2020 beneficiaries where available.
For most people becoming eligible for Medicare today, Plan G, Plan N and High-Deductible Plan G deserve the most attention.
United American Medicare Supplement does not replace Original Medicare.
Part A + Part B
Medicare explains that Original Medicare generally allows beneficiaries to use Medicare-enrolled providers that accept Medicare patients throughout the United States.
Medigap supplements Original Medicare’s cost-sharing according to the standardized plan benefits. This is structurally different from Medicare Advantage.
If you want to understand the two systems side by side, see MPA’s guide to Medicare Advantage vs Medicare Supplement.
Generally, no traditional Medicare Advantage-style provider network applies.
DON’T START WITH
United American specifically states that its Medicare Supplement coverage does not restrict members to a network of specialists and can be used with physicians who accept Medicare. If Medicare accepts the covered claim, your Medigap policy then pays according to its standardized benefits.
See several specialists
Travel frequently within the United States
Spend part of the year in another state
Want broad Medicare provider access
Don't want an HMO network
Don't want to compare MA networks every year
For beneficiaries who became eligible for Medicare on or after January 1, 2020, Plan G is one of the most comprehensive standardized Medicare Supplement plans available for purchase.
Plan G does not pay your Medicare Part B deductible. After that deductible is satisfied, Plan G generally provides very predictable cost sharing for Medicare-approved services.
Layer 1
$202.90/mo
2026 standard Part B premium. Higher-income beneficiaries can pay more because of IRMAA.
Layer 2
Varies
Separate monthly Medigap premium based on state, ZIP code and applicable rating rules.
Layer 3
$283
Plan G does not pay the annual Part B deductible.
The medical benefits are standardized. Carrier competition occurs elsewhere.
| Carrier factor | Why it matters |
|---|---|
| Starting premium | What you pay today |
| Pricing methodology | How age may affect future cost |
| Historical rate actions | How premiums have changed |
| Household discounts | Could alter real premium |
| Underwriting | Important when switching outside protected periods |
| Financial strength | Ability to meet financial obligations |
| Administrative service | Billing, policy service and claims coordination |
| State availability | Carrier offerings differ by state |
Not: “Company A’s Plan G covers more than Company B’s Plan G.” It doesn’t.
United American also offers Medicare Supplement Plan N in qualifying states. Plan N provides many of the same standardized benefits as Plan G, but two differences matter.
$283
certain office visits
Up to $50
Plan N: Not covered
Plan G: Covered
Plan N exchanges some additional cost-sharing responsibility for what can sometimes be a lower monthly premium.
This decision deserves more attention than simply asking which premium is cheaper.
| Table Benefit / Cost | United American Plan G | United American Plan N |
|---|---|---|
| Part A deductible | Covered | Covered |
| Part B coinsurance | Covered | Covered with applicable office/ER copays |
| Part B deductible | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Office copays | No standardized Plan N-style copay | Up to $20 for applicable visits |
| ER copay | No standardized Plan N-style copay | Up to $50 when applicable |
| Foreign travel emergency | Included within standardized limits | Included within standardized limits |
| Typical objective | Maximum predictability | Lower premium with some cost sharing |
High-Deductible G provides the same standardized category of Plan G benefits—but only after the beneficiary satisfies the annual high deductible.
$2,950
$283
The $283 can count toward the $2,950 threshold.
Before reaching the deductible, you generally pay Medicare-approved cost-sharing amounts yourself. Once the high deductible has been satisfied, the policy begins paying its standardized benefits for the remainder of the calendar year.
Start with the financial experience you prefer—not a plan letter you may not know yet.
“I would rather pay a higher monthly premium and minimize surprise Medicare costs.”
“I’m comfortable with occasional office and ER copays to potentially reduce my premium.”
“I can comfortably handle several thousand dollars of Medicare cost sharing in a bad year if my monthly premium is significantly lower.”
With Medigap, the benefits are standardized. The carrier decision is not.
United American also offers Plan F in qualifying markets. Only people who were first eligible for Medicare before January 1, 2020 can purchase Plan F if otherwise eligible. Plan F is one of the most comprehensive standardized Medigap plans because it can also cover the Medicare Part B deductible.
United American also identifies a High-Deductible Plan F option for eligible pre-2020 beneficiaries. Someone becoming Medicare-eligible today cannot buy Plan F.
United American’s current Medicare Supplement materials also identify Plans A, B and D as available in qualifying states. These plans provide different combinations of standardized benefits.
For many consumers the practical Medigap comparison today centers on Plan G, Plan N and High-Deductible Plan G.
Medigap is not comprehensive health insurance by itself. It supplements Original Medicare.
Dental care
Vision care
Eyeglasses
Hearing aids
Long-term custodial care
Private-duty nursing
ORIGINAL MEDICARE
UNITED AMERICAN PLAN G
SEPARATE PART D PLAN
Prescription coverage
Dental, vision and hearing can then require separate coverage or self-payment depending on your preferences
A United American Medicare Supplement policy does not include modern Medicare Part D prescription drug coverage. Medigap and Part D are separate types of insurance.
If you choose Original Medicare + United American Medigap, you will typically evaluate a separate Medicare Part D plan for outpatient prescription coverage unless you have another source of creditable drug coverage. That Part D plan does not need to come from United American.
This is a major structural difference from many Medicare Advantage plans that bundle medical and Part D coverage together.
United American describes its Medicare Supplement coverage as guaranteed renewable as long as premiums are paid on time and there were no material misrepresentations on the application.
The company cannot simply cancel an individual Medigap policy because you became sick, used substantial healthcare, developed cancer, had surgery or your claims became expensive.
Guaranteed renewable does not mean guaranteed premium. Premiums can change in accordance with state-approved rate changes and the applicable pricing method.
Rate changes can be influenced by medical costs, inflation, claims experience, pricing methodology, state-approved rate adjustments, age where permitted, rating class and geography.
Medicare recognizes three broad Medigap pricing methods. The applicable approach can differ according to carrier, policy series and state rules.
Community-rated
Age itself generally does not determine the premium.
Issue-age-rated
Premium is based on the age at which you purchase the policy and does not rise simply because you get older, although other rate increases can occur.
Attained-age-rated
Attained-age-rated
There is no single price for “United American Plan G.” Premiums can vary according to factors permitted in the applicable state.
ZIP code
State
Age
Sex where permitted
Tobacco status Tobacco status
Rating class
Discounts
Medical underwriting when applicable
What is United American charging me now?
What is my expected first-year premium?
Could age independently affect the premium?
How has this policy series been repriced?
Does a household or other discount apply?
Would switching later require health qualification?
What are comparable Plan G or Plan N premiums from other financially established insurers?
Lower fixed premium with a larger annual deductible before plan benefits begin.
For qualifying pre-2020 beneficiaries where available.
For most people, the most important Medigap enrollment period is the six-month Medigap Open Enrollment Period.
6 MONTHS
This period begins on the first day of the month when you are 65 or older and enrolled in Medicare Part B. During this federal Medigap Open Enrollment Period, you can purchase any Medigap policy sold to you in your state without being denied because of pre-existing health problems.
AEP WARNING
AEP DOES NOT RESET YOUR MEDIGAP RIGHTS
The Annual Enrollment Period primarily applies to Medicare Advantage and Part D decisions. It does not automatically give everyone a federal guaranteed right to switch Medicare Supplement companies without underwriting.
Do not cancel your existing Medicare Supplement until you understand whether the replacement carrier has approved you and what rights apply in your state.
It depends on when and why you’re enrolling. You generally don’t face medical underwriting during your federal six-month Medigap Open Enrollment Period. You can also have guaranteed-issue rights under certain circumstances.
Outside those protections, however, Medigap applicants in many states can be medically underwritten. This makes your Part B effective date extremely important.
Potentially. But the application rules matter. If you currently have Mutual of Omaha Plan G and want United American Plan G, the standardized medical benefits remain Plan G.
If you are outside protected enrollment rights, United American may be allowed to evaluate your health under applicable state law before approving the replacement policy.
Guaranteed-issue rights are circumstances under which an insurance company generally must sell you certain Medigap coverage regardless of your health. Examples can arise from certain losses of qualifying coverage, Medicare Advantage plan terminations, service-area changes and trial rights.
Do not assume every Special Enrollment Period for Medicare Advantage creates the same Medigap guaranteed-issue right.
Medigap rules around pre-existing conditions are more nuanced than simple approval or denial. Federal rules can limit how an insurer applies pre-existing-condition waiting periods, particularly when the beneficiary has prior creditable coverage.
The distinction between underwriting eligibility and pre-existing-condition waiting periods is frequently misunderstood.
Medicare recognizes three broad Medigap pricing methods. The applicable approach can differ according to carrier, policy series and state rules.
Original Medicare processes the claim first
Medicare determines covered services and cost sharing
United American pays according to standardized policy benefits
United American also provides electronic claims/remittance infrastructure for healthcare providers through its eProvider system. United American isn’t generally making the first determination about whether a service is medically covered by Medicare in the way a Medicare Advantage insurer administers Part A and B benefits.
Not in the same manner as a Medicare Advantage insurer administering Medicare Part A and B coverage. With Medicare Supplement, Original Medicare is primary. If Medicare approves a covered service, the Medigap policy pays according to its standardized benefits.
Wholly owned subsidiary
Financial strength is one decision factor—not the decision. It does not tell you whether United American has the cheapest premium, whether future rate increases will be smaller, whether Plan G is right for you, or whether another carrier is a better value.
United American Medicare Supplement can be worth considering for people who spend substantial time in more than one state because Medigap generally follows Original Medicare’s provider-access structure rather than a local Medicare Advantage network.
Florida cardiologist ✓ accepts Medicare
New York cardiologist ✓ accepts Medicare
Certain standardized Medigap plans—including Plans G and N—include limited foreign-travel emergency benefits. Applicable plans generally pay 80% of certain medically necessary emergency care outside the United States, after the applicable deductible and subject to policy limits, when the emergency begins during the first 60 days of the trip.
This is not the same as comprehensive international health insurance.
United American’s individual Medicare focus is Medicare Supplement. The more meaningful comparison is generally United American Medigap versus a Medicare Advantage plan from another carrier.
United American Medigap
Original Medicare + standardized supplement
Medicare Advantage
Humana • Aetna • UnitedHealthcare
The question becomes a coverage-structure decision before it becomes a carrier decision.
Compare Plan G vs Plan G—not United American Plan G vs another company’s Plan N.
What does each carrier actually charge you?
Community-rated, issue-age, attained-age or state-specific structure?
Don’t assume the lowest first-year premium will remain the cheapest.
Household, payment or other discounts can change effective cost.
Especially if you may want to switch later.
This can be a long-term insurance relationship.
Billing, policy administration and support still matter.
For Medigap, standardized Plan G benefits are the same. Compare premium, rating method, discounts, rate behavior, AARP membership requirement for the UHC product, company structure, availability, underwriting and service.
A Mutual of Omaha Plan G and a United American Plan G provide the standardized Plan G benefits. The carrier analysis shifts to price, rate history, discounts, underwriting, financial strength and administrative experience.
United American Insurance Company is not UnitedHealthcare. They are separate insurance organizations. United American is owned by Globe Life Inc.; UnitedHealthcare is part of UnitedHealth Group.
United American has several characteristics that make it worth evaluating when comparing Medigap, but none automatically make it the best carrier.
PLAN
Which standardized plan fits you? G / N / High-Deductible G
PREMIUM
What will United American charge you?
PRICING
How is the policy priced in your state?
ELIGIBILITY
Open enrollment, guaranteed issue or underwriting?
CARRIER
How does United American compare with other insurers selling the same plan letter?
✓ Confirm Medicare Part B effective date
This may determine your Medigap Open Enrollment rights.
✓ Select the correct plan letter
✓ Get the actual premium
✓ Ask how pricing works
✓ Ask about discounts
✓ Confirm underwriting status
✓ Don't cancel existing Medigap prematurely
✓ Compare at least several carriers
✓ Add Part D
✓ Determine whether separate dental/vision coverage matters
UnitedHealthcare has a large provider network, but that doesn’t mean every doctor, specialist, or hospital participates in every UnitedHealthcare Medicare plan.
Enter your information below to help us compare plans available in your area and check the providers that matter to you.
Your information will be used to help you compare Medicare plan options and connect you with a licensed Medicare advisor.
Plan availability, provider networks, benefits, and costs vary by ZIP code and specific plan.
For additional information, visitors can also review official Medicare resources covering:
United American’s individual Medicare offering is primarily Medicare Supplement insurance rather than Medicare Advantage. Its current consumer Medicare materials focus on Medigap policies.
Yes. United American offers standardized Plan G in qualifying states. Availability varies.
Yes. United American offers standardized Medicare Supplement Plan N in qualifying states.
Yes. United American offers High-Deductible Plan G in qualifying markets. The 2026 high deductible is $2,950.
No. Standardized Medigap Plan G benefits are the same regardless of the carrier selling the plan. Premiums and carrier characteristics can differ.
United American says its Medigap coverage can be used with physicians accepting Medicare throughout the United States.
Not a traditional Medicare Advantage-style network. Medicare Supplement works alongside Original Medicare, so the key question is generally whether the provider accepts Medicare.
No. Plan G does not pay the Medicare Part B deductible. The deductible is $283 in 2026.
Yes. Standardized Plan N can require up to a $20 copay for certain office visits and up to $50 for certain emergency-room visits that don’t result in inpatient admission.
No. Plan N does not cover Medicare Part B excess charges.
Yes. Standardized Plan G covers Medicare Part B excess charges.
No modern Medigap policy includes Part D prescription coverage. Someone using Original Medicare plus United American Medigap generally evaluates a separate Part D plan.
Routine dental and vision coverage are not standardized Medicare Supplement benefits. Medicare explains that Medigap generally doesn’t cover routine dental, vision or hearing aids.
United American describes its Medicare Supplement policies as guaranteed renewable when premiums are paid and applicable policy requirements are met.
Yes. Guaranteed renewable does not mean the premium is guaranteed. Medigap premiums can increase.
Potentially, if you are applying outside an applicable Medigap Open Enrollment or guaranteed-issue right and state law allows medical underwriting.
United American Insurance Company is a wholly owned subsidiary of Globe Life Inc.
United American is a subsidiary of Globe Life Inc., but it is its own insurance company within the Globe Life organization.
AM Best currently rates United American A (Excellent) with a stable outlook, effective November 12, 2025.
First choose the Medigap plan letter you want. Then compare United American against other insurers selling that same standardized plan based on premium, pricing methodology, discounts, rate history, underwriting and financial strength.
A Medicare Supplement plan can potentially stay with you for many years. So don’t choose solely because one company is cheapest today.
Medicare Plan Assistance is an independent insurance agency and is not Medicare, United American Insurance Company, Globe Life Inc. or a government agency.
Medicare Supplement benefits are standardized under federal and state rules, but availability, premiums, underwriting, discounts, rating methodology and eligibility can vary by insurer, state and applicant. United American is solely responsible for the policies it issues. Before applying, review the applicable policy outline of coverage and state-specific materials.