Interested in a United American Medicare supplement? This carrier has been offering Medigap policies since the 60’s when Medicare was first signed into law. Currently, this company has a financial strength rating from A.M. Best of A+.
Founded in 1947, United American today insures millions of people. Medigap plans are available in almost every state. They are most competitive for their High Deductible F Plans.
Features in United American Medicare Supplements
Medicare supplements are standardized by the federal government. This means that they all have standard features, and United American Medicare supplements are no exception. You can find these great features in all plans:
- 30-day free-look policy – cancel for any reason with a full refund
- Plans are guaranteed renewable – you can’t be cancelled for health conditions
- Take it with you – plans cover you nationwide. If you move, your policy goes with you
- Plan A is offered everywhere that UA sells Medigap plans
- See any doctor that participates in Original Medicare – over 800,000 providers
United American Medicare Supplement Plan F
Medigap Plan F is the most comprehensive plan on the market. It covers all the gaps in Medicare, leaving you with no spending on Part A or B services. This has made it a top seller for many years. It has the highest premiums of the plan offerings from United American.
Some people want the security of Plan F, but can’t afford the high premiums. Those individuals might consider other popular plans such as Plan G or Plan N. Consumers can also consider a high deductible version of Plan F.
United American Medicare Supplement High-Deductible F
UA offers great pricing in many states for the high deductible version of Plan F. This plan function just like regular Plan F, but first, you meet a deductible. Medicare will pay its share on all claims, and then send the rest to United American. They will process your claims, and you pay out of pocket until you satisfy the annual deductible. After that point, HDF works just like any other Plan F. In other words, it will cover all the gaps in Medicare at 100% for the rest of the year.
In 2017, the deductible for United American High Deductible F is $2200.
How To Enroll in a United American Medicare Supplement
All Medicare beneficiaries have a 6-month open enrollment window for Medicare supplements. During this period, you can enroll in any supplement plan with no health questions asked. This is often considered the best time to enroll.
Should you enroll after this period, you will have to answer medical questions in most states and circumstances. The insurance company can accept you or turn you down based on your answers. For more about the Medicare supplement open enrollment period, see this publication from Medicare.
Boomer Benefits offers United American Medicare supplements as well as most other carriers. We can help you compare more than just prices. We can also help you look at rate increase histories for each carrier. While there is no crystal ball, it’s helpful to have this information. Choosing a carrier with a history of stable rates from year to year is wise.