Complaint Review: UNITED AMERICAN INSURANCE COMPANY

I am a formaer manager with United American Insurance Company. United American is a fundamentally good company. The policies that they sell do exactly as they are written in the policy documents given to each insured. The problem happens when an uneducated agent goes out and misrepresents the product to the consumer. It sounds to me that this is what happened to these folks. the phone number to United American's home office is on the report. Call the home office and explain what happened to you. UA is very good to stand behind their products and their customers. If you were lied to, then the company needs to know.

As for the policy being a major medical, that is definitely not true. UA does not currently offer a Major Medical product. The policy most often sold is the FlexGuard. This policy pays a limited benefit at 80%. Depending on which variation of the policy you have, it will pay 80% up to $5,000 per day for hospitalization and miscelaneous charges up to a maximum of $100,000 per sickness or injury. Is it the best coverage available, absolutely not. Is it a good alternative for people who cannot afford or qualify for Blue Cross Blue Sheild ? Yes, just so long as they understand how it works.
One last thing, hospitals are often the very worst place to have your benefits explained. They simply are not qualified to tell you what type of coverage you have. They are not licensed or experienced in the field. If you have specific questions and do not have an agent to call, call the number on the back of your insurance card. They can tell you better than anyone else.

consider the source. did a bit of research, you do have guarantee issue in your state. if you meet certain guidlines you could get major medical coverage thru any insurance company. one drawback some companys only alow so many guarantee issue policys a year.
i see some of the insurance companys you have tried. have you tried, american community, american medical security, american republic, continetial general, if they are in your state. i know some companys have a 3 or 5 year recovery period if you havent had any complacations in that time, then it would be a standard issue. another idea, you only need 2 people to get group coverage, so you and your friend or family member that has diabeties, start a business then apply for group coverage. just an idea.

kazoo this is good news. so how does it work, if agent gets a certain number of complaints there contract is terminated? i hope so. i talked to 3 people this week that has ua. 2 of the 3 were told they had major medical policys. one kindof knew what had.

Pad, thanks for figuring out that I am honest with my customers. Just to let you know, UA has a new VP who has sent out the word that in the future, Agents must be truthful with every client about what our policies cover and do not cover. And that all Agents must comply with all state mandates (i.e. not replacing a major medical, etc.). I am hopeful that the majority of Agents will do this and the company will reduce the number of complants.

chris, i agree with you. people should go after the agent that is being dishonest. and should not blame the company because the agent is dishonest. im glad to hear that you actually compare the differance between your policys and major medical policys the way they work. gives the customer more information to make an educated decision.

While Deb in Spring Hill, Florida, has a valid complaint, it is best directed to the General Agent for UA in Tampa, and against the agent who misrepresented the policy. I am a UA agent in Florida, and I ALWAYS educated my clients about major medical policies versus limited benefiit policies. If the agent did want Deb claims, then it is a case of misrepresentaion, as no United American agent I know personally would ever pass off our products as major medical plans.

And, while our products are not major medical plans, they are an ideal fit for many. In Deb's case, she may have thought she was getting an inexpensive major medical policy. Be aware: there is no such thing. Also be aware of major medical plans with "teaser" rates if the agent states that you will pay a low premium amount 'guaranteed for one year.' It's what happens after that year you need to worry about. Deb; if you feel you were led down the primrose path, and the agencies management cannot fix the problem, you should contact the State Department of Financial Services which oversees cases of insurance misrepresentation. Don't go so hard on UA itself. Our products work well, and the Company is solid. If these allegations are true, this agent should, and hopefully will, get what's coming to him.

wazoo, all i was doing is asking a question, im not trying to single out any one person. sorry if it come across that way. and from what you have said on here, i do feel like you are one of the many honest agents out there. and the question im asking if you disclose all the policy pays for, and all the policy dont pay for, you know, i really dont want an answer. as an agent you have to answer that question to yourself. because this year, i have ran across 3 differant people, one had to file bankruptcy, one lost there house, and well most of what they owned of value, they had to file bankruptcy also. and one lost his dairy farm, he had a 200,000 dollar hospital bill, and he did not have insurance. there is just a lot at stake selling someone health insurance. if a agent does not disclose what the policy doesnt pay for, be very hard for the customer to make a educated decision. because the hospitals will go after someone if they have no way to pay there bill. this is a serious business, a lot at stake

consider the source, im glad we agree, and from the other post you wrote, i did not know that UA was still big in med sups where your from. they are not here. they are great plans, i mean a plan f is a plan f a plan j is a plan j. but there just to high in this area. all i see here is the flex plans. and to have that kindof biz the people you know it has to be almost all referral business. you cannot have that kindof referral base by being dishonest

Okay, I get it. It's fine for you to make claims about your company and products and be critical of other companies and their products without having to disclose who you work for. I must say that it casts doubts on your honesty about being an agent. Or perhaps you don't want the good people here to see what negatives there might be with your company. So go ahead and make your claims about your premiums and coverage and I guess we will just have to take your word for it.

I know most insurance companies recruit and recruit. Several have tried to recruit me over the years and i'm a chef! I was once told that average long term success in the business with any company in 1 in 10. That's right 1 in 10 agents that start in the insurance field will retire from it. But those who stick it out retire wealthy! everyone who I know that has retired from the business with any company has!!!! I assume they are trying to work the numbers in their favor. Have you asked them?

It seems UA recruits and recruits and ecruits. Anyone know why ?

What is the recruitment ratio v retention ?

That is exactly my point. You can make an HONEST living in insurance, I know many who have. But clients need to be told exactly what they are buying, and what they are not. Most UA agents that I have known that misrepresent do not last long at all. Again, a few bad apples should not bring a stereotype on the others. I like my agent because I am related to them--there you have it. However, I know what I bought.

kazoo, that is the only rebuttal you have for what all i had to say? still no answer for how the company pays for chemo treatments? and im talking about the health insurance policy not the 50k cancer indemnity policy. did you read page 3 of the insurance policy about the outpatient services? it will give you the answer right there. pays outpatient service benefit for only one sickness, but after a 24 month period wilh no treatments it will start paying all over again!!! and kazoo no im not going to advertise the company i work for on this site. why? are you wanting to go to work for us? well bad news, were not licensed in the state of arkansas. but hey your the only one that has even tried to answer my chemo question, i sure hope you read one of the policys you sell.

im sure your one of many honest agents there trying to make a honest living. but if you know what your selling you have to disclose what the policy dont pay for right? i mean i do, i disclose not only what the policy covers but just as importent, what is not a covered. that is my definition of being honest, i hope that is yours also. to all the honest ua agents reading this, knowing how the policy pays for chemo, radiation, dialysis, ask yourself,,, would you sell this insurance to your mother and father and not tell them how it pays for these services? all im trying to say here is if the honest agents really wants to be honest, then be honest. tell these people what it dont pay for

Pad, if you can get me approved on a major med, with ulcerative colitis for that price, I would be interested. I have the ulcerative colitis not just colitis. Are you familiar with the difference?

I have been turned down by Anthem Blue Cross, Humana, Assurant, Fortis, United Healthcare, as well as a couple others. They say it is an OM condition-whatever that is. UA was the first company to cover me or my brother. In my state there is no high risk pool. I thought since there was not, I should have guaranteed issue right??? We have been declined.

UA covered us. However I am concerned if it is over like 50k for an incident. I know it is not a major med even though I would like to have one. It was never sold to me as such. To your agent question or accusation, or whatever it was I have some close friends at UA. They have never misrepresented to me, but quite the opposite. I know what I have, and what I don't have. As far as they tell me, they don't replace major medical, but they look for people they can help like me. Also they do a lot of medicare, life, cancer, things like that. That's why these arguements are annoying and pointless to me.

I would like info on your company if you can insure me. Please check first on the right condition.

Pad, perhaps you missed my request that you disclose what company you represent. Okay?

well consider the source,,, those are pretty small bills what was the amount??? 1800.00 dollars? UA pays the small bills pretty good. if you read what i am talking about is the BIG MAJOR MEDICAL bills. you know the ones that would take you to bankruptcy, take your assits kindof bills. and yes the hospital will take your assets or the bankruptcy court will. 1800 dollars is nothing, 350,000 IS!!!

even if someone had a 10,000 dollar deductable, the hospital will take payments on 10,000 dollars without putting someone into bankruptcy! they WILL NOT take payments on 350,000! i see your happy with how they are paying the small bills. you havent seen anyone devistated with big major medical bills. and sounds like your an agent to me not a customer but thats ok you still need to read your policy. did you read page 3 of your policy like i suggested in my momment?

to answer your question if i could insure you with colitis, yes and its standard issue, not like the 25% rate up with UA. they did rate you up right? you do have a rider on your policy that states that right? your sister high blood pressure YES with a 20% rate up, your company has a 25% rate up. your brother diabetic, no. i would strongly recommend he go to his state health pool to get a major medical policy. ask your manager how the UA policy would pay kidney dialysis which is done on a outpatient basis. kidney failure is a concern with a diabetic right?

to insure you with my company would be between 110.00 to 120.00 a month thats a 5 million dollar policy, and what is yours? 50,000 dollars? if you truly are a customer not an agent, i strongly recomened you do some research. call the hospital find out how they pay there bills before you sign with any insurance co. all im trying to do here is inform people that these policys are not a major medical and if something serious happens it will not pay the bills. because some agents sell this policy as a major medical policy. not a limited policy as it states on the policy. hope this answers your questions and hope it helps

I noticed this discussion. I have a condition called ulcerative colitis. No one would insure me. Pad, can I get one of your policies? If so, who can I contact to get it. I would love to have one of your cheaper major meds you are advertising on this site. I have a flex guard policy from UA which I have used 3 seperate occasions.

Here's how it paid on the most recent:

1. Colonoscopy-same day outpatient.

Hospital bill - $2100
A. $1800 after discount with my partners card.
B. I had a $500 deductible, then UA picked up 80% of the remaining $1300, I paid the other $260
C. I got billed $900 from the doc, I paid $0. UA paid $900
D. I did get a $100 pathology bill.

Total out of pocket for me= $860.




The funny thing is when I had group major med with a $1500 deductible, I paid way more then. I get these every 3 years.


I am happy with my coverage. I pay around $155 per month. I am 30.


Pad, can you approve me on one of your plans?

Or what about my brother who is pill diabetic?

Or my sister who has high blood pressure?

Can you cover us?

Will it cost an arm or a leg?

Am I even insurable on a major med. All of our incomes are way too high for state insurance.

Let me know. Thanks for your help.

kazoo, you stated the cancer, critical illness and accident are RIDERS, which are not HEALTH INSURANCE. they pay cash to the customer, not the hospital. and the cancer policy the max it pays is 50,000.00. which as i said before is not EVEN close to paying the bills for cancer. FACT- a friend of mine had breast cancer, over a 3 yr treatment she had over 350,000 dollar hospital bill. her deductable was 1500 a yr. NOT per illness or injury. its a 100% plan no coinsurance.

so she ONLY had to pay 4500.00 out of a 350,000.00 dollar hospital bill. now do yourself a favor, get one your policys your getting ready to deliver and read it! she was inpaitent for only 7 days, the rest was outpaitent. get your calculator out and figure out a 7 day stay and what your flex policy would pay. with a surgery, and outpatient services of 300.00, and as on page 3 of the policy read the outpatient benefit it states it will not pay in excess of the Maximum Outpatient benefit for any one injury or sickness!

that means that it dont pay per occurance! will NOT pay each and every time you go get a chemo treatment! thats per ONE illness! now be sure to read that its not per occurance that they tell you, it is per sickness. customers has to go 24 months WITHOUT any treatments before its considered a new sickness. (read top of page 3 in the policy). then subtract what you come up with from the 350,000 bill and see what you come up with. be sure to look at what it pays for reconstructive breast surgery. radical mastectomy does not pay 7500.00 look at the schedule in the policy.

as for the issue age pricing. thats only for when policy is issued. means a 41 yr old pays the same price as a 45 yr old. does not mean that the policys never get a premium increase. FACT a policy i replaced she started out paying approx 4 yrs ago 240 dollars. she had the riders on there also. 3 yrs later she was paying over 420 dollars! at least on attained age they pay on how old they are not a 41 paying same price as a 45 yr old. my policys has a 3 yr rate lock. no increase for 3 yrs.

the policys i replace are usually a 500 dollar deductable. example 31 yr female from your company is approx 150 to 160 dollars. my company is approx 120 to 130 dollars. 500 dollar deductable! i hope you run the numbers so you know what your selling. ive figured what your company would of paid if my friend had your policy on her 350,000 bill. she would of had to file bankruptcy! and lost all her assets.

sorry buddy i could not sell what your selling anymore once i figured out what the hospital bills really are. you guys need to read your policys on what your selling, do the research on what hospital's are actually charging for procedures. then do the math, add up all the covered expenses the policy pays for the average 5 day stay. you will be amazed how much it dont pay. then you might want to come work with us. call the hospital, the insurance claim department, act like your looking for health insurance ask them about your company and how they pay the bills for people under 65, not medicare supplements. these guys know what insurance companys pay the bills and who dont.

With the FlexGuard the cancer, critical illness and accident coverage are riders attached to the policy, not purchased seperately.
Certainly there are many major medical policies out there with various levels of coverage and deductables. I can only comment from my experience which is that while some companies offer very good starting rates, many of the policies are attained age priced. So every three to five years the premium jumps to the next age level. In some cases, this equates to a larger premium then the customer can afford. The FlexGuard and other UA policies are issue age priced.
In regards to the major medical policies that you have sold at a lower price, what was the deductable? The FlexGuard is fixed at $500.00 inpatient only with a $100.00 cash back when admitted.
May I ask which company you represent?

well an UA agent responded thank you. never seen a UA policy that pays 1000.00 outpatient services. 500.00 max is what ive seen. and the cancer and critical illness you mentioned are indemnity policys, they are NOT part of the health insurance policy, have to be purchased seperatly. and to mention 50,000 thousand is most definantly not enough! even at 1000 dollars outpatient coverage, at 12,000 dollars a chemo treatment thats not even close. another question, i have replaced many UA policys with a 5 million MAJOR medical policy for less money than a UA policy, so how can people afford not to have a major medical policy?

The FlexGuard policy does have a limited outpatient payment of $300.00. This coverage can be increased to $500.00 or $1,000.00. In certain states, there are benefits that must be provided under the outpatient. For example, a major machine test (i.e. MRI) is paid the same as a one day inpatient stay (80% to $2000.00 with a $500.00 deductable).

There is also cancer coverage, critical illness and accident coverage available with the policy. Either the cancer or critical illness will pay up to $50,000.00. Certainly these are not major medical coverage policies. As an Agent for the company, I do not market them as such. However for many people, these types of policies are what they can afford.

jesse you are correct it only pays 3oo bucks. but im wanting to hear it from an united american branch manager, unit manager, or agent. but they will not answer that question. they are affraid to tell the truth

jesse you are correct it only pays 3oo bucks. but im wanting to hear it from an united american branch manager, unit manager, or agent. but they will not answer that question. they are affraid to tell the truth

jesse you are correct it only pays 3oo bucks. but im wanting to hear it from an united american branch manager, unit manager, or agent. but they will not answer that question. they are affraid to tell the truth

If they have cancer it will pay $300 dollars. That's right 300 bucks. That's a good policy isn't it? You can purchase this policy at www.unitedamerican.com. Seriously. What a joke. If you have this insurance get off of it before it's too late.

It's only a matter of time before the company, and the policies are put up for investigation by the insurance department. The policies are barely insurance, and claim to be 80/20 splits, but aren't even close. The sad part is that from what I have heard is that the company trains their employees to be deceptive, and then fix it on the backend. What a joke. Stay away from this company!

if someone that has a flex 50 how will it pay if someone gets cancer. well lets narrow it down. how will it pay chemo treatments. here a lil hint chemo is done on a outpaitent basis, so come on UA branch managers and UA reps that think this is the best insuance there selling. how come no one will answer this simple question?? well i can tell you how the company i represent pays, i sell 100% major medical plans. after you meet the deductable it pays 100%!!!! come on what about United American? how does it pay chemo? ( I know no one will see an answer to this question)

You know as well as I do that the general populice doesn't understand insurance policies. You also know that UA's policies won't pay squat in the event of a real hospitalization.

I laugh when I hear the "read your policy" excuse used by agents and managers. It's a cover for the fact the agent did a piss poor job of explaining the policy, or worse mislead the customer purposely.

Of course, if the agent REALLY did a good job of explaining the policy there would be no sales made. "Mr. Customer, if you're hospitalized there's a $500 deductible and the insurance company will pay $2,000 per day. So, if you're in the hospital 3 days, and your bill is $22,000, we'll help you out by paying $6,000 of that bill. In order to reach the $50,000 limit you'd need to be hospitalized for 25 days."

C'mon!

i agree with what you are saying except for one thing, you stated the 50,000, 75,000, 100,000 policys that these are for each accident or illness. on the brochure it states, on the 50,000 flex, it pays 80% up to 2000.00 a day for 10 days, then 1000.00 a day for 30 days. if you do the math, 2000 times 10 is 20,000. 1000 times 30 is 30,000. add 20,000 plus 30,000 equals 50,000. now tell me if im wrong, wouldnt that mean that you would have to stay in the hospital for 40 days for it to pay 50,000 dollars? thats what it looks like to me. how many times do people stay in the hospital for 40 days these days?

United American is NOT major medical. Did your agent go over the policy ? Did
the agent hand deliver it to you ? Did he or she have you sign a "delivery check list?"

Depending on the policy, there are limitations on what it will cover. UA has the "flex" polic, in the 50,000 75,000 or 100,000 increments. This is for each accident or illness.

There are no life time maximums. These are based on hospitalization. Did your agent sell you additional physician charges ? Critical illness policy ?

With UA's flexc, you can "package" different policies; premiums are sometimes less expensive.

I would need to know more about your situation, whether or not you were misrepresented. I would certainly contact the agent and the unit manager or branch manager and schedule a meeting and have them better explain the policy to you.

United American is NOT major medical. Did your agent go over the policy ? Did
the agent hand deliver it to you ? Did he or she have you sign a "delivery check list?"

Depending on the policy, there are limitations on what it will cover. UA has the "flex" polic, in the 50,000 75,000 or 100,000 increments. This is for each accident or illness.

There are no life time maximums. These are based on hospitalization. Did your agent sell you additional physician charges ? Critical illness policy ?

With UA's flexc, you can "package" different policies; premiums are sometimes less expensive.

I would need to know more about your situation, whether or not you were misrepresented. I would certainly contact the agent and the unit manager or branch manager and schedule a meeting and have them better explain the policy to you.

United American is NOT major medical. Did your agent go over the policy ? Did
the agent hand deliver it to you ? Did he or she have you sign a "delivery check list?"

Depending on the policy, there are limitations on what it will cover. UA has the "flex" polic, in the 50,000 75,000 or 100,000 increments. This is for each accident or illness.

There are no life time maximums. These are based on hospitalization. Did your agent sell you additional physician charges ? Critical illness policy ?

With UA's flexc, you can "package" different policies; premiums are sometimes less expensive.

I would need to know more about your situation, whether or not you were misrepresented. I would certainly contact the agent and the unit manager or branch manager and schedule a meeting and have them better explain the policy to you.