Complaint Review: United American Insurance Company - McKinney Texas

robert, if your still with the company, and proably not. you need some training on the flex policy. you stated "your policy was less than the $100,000 limit per injury or illness available". well here is a eye opening lesson for you, the 100,000 flex pays 4000.00 dollars a day for days 1-10, then drops in half to 2000.00 a day for days 11-30. you add those up that comes to 100,000 not per injury per illness! thats for inpaitent hospital stay only. gees you need to read your policys your selling! here ill spell it out for you, 4000 times 10 is 40,000. 2000 times 30 is 60,000! now add 40,000 plus 60,000 equals 100,000! now just so you understand that means you have to hospilized for 40 days straight, no discharge straight for 40 days for it to pay 100,000 dollars do you understand now? and the accident rider will take care of the co-pays? there are no co-pays on these policys, where in the world did you get that. they only pay up to this amount. man you really need to read your policys!

I too used to work for UA, and was led down the path to believe in what I was selling. I never misrepresented the product it has up-to amounts and that is what I told my customers. For the most part most of my customers were happy with what I sold them. Only a handful - 6 or so became unhappy with the product and I don't blame them, because UA did not live up to what I was trained to tell them. It will do you no good to report them to your state insurance commissioner as they are regulated in the state of texas and licesed to sell in almost of af the states. You must report all insurance companies to the state they are regulated in or else you are wasting your time and energy. Insurance commissioners get so many complaints that companies not regulated in their state go to the bottom of the complaint list I am not saying they will not get addressed just not in a timely fashion unless it is a "Huge Issue" that they in fact are breaking laws. United American helps a niche market and if the product is sold for what it is and not misrepsented it is a good product. Unfortunately in my experience at UA only about 20 percent of the agents truly sell the product for what it is and it is not a Major Medical and should never ever ever be sold as such. I became unhappy with UA because of the time it took to resolve claims issues and for the 6 clients I had that were unhappy I was spending 1-2 days a week in the office doing nothing but dealing with this issues since as an agent we are required to do so.

United American, a company that has been in business for more than a half century, is one of the highly rated companies. Several things determine the rating of a company: financial strength (its ability to pay it claims), the type, quality and balance of business it produces (a company for example that produces a large number of Medicare supplements with success will still not receive a high rating) as well its underwriting and customer support. It is for these reasons that United American is rated highly. In Michigan, for example, in 2002 it received a total of 12 complaints. You can hardly compare the ratio per capita of these complaints on a nationwide basis to the types of complaints pursued against the so-called major medical companies. Several flaws appear in your narrative which I shall endeavor to explain here. We encourage all agents to personally deliver their policies wherever possible so that a clear and concise understanding with our clients and our friends. It is unfortunate that this was not done in your case. If it had been done, it clearly would have be pointed out to you the usual and customary rates of the AMA are delineated in your policy. For example, wiring your jaw shut is listed at $1125.00. Such a close reading of your policy would have avoided any of the confusion that later arose. As agents, we can take you the policy but without the ability to force you, our friends and clients, to sit and read the policy, we may only assume that you have done so. You say that your wife has asthma. What you fail to mention is that any major medical insurance policy had either declined you or rated your policy so high that you were probably unable to afford it. Furthermore, what you also fail to mention is, with the limits you describe, you purchased a policy that was not the highest limits available. In point of fact, your policy was less than the $100,000 limit per injury or illness available. Also, you failed to purchase the additional physician office visit rider which would have extended and advanced your policy. In addition, you also failed to purchase the Accident Benefit which - in essence - covers your co-pays in an accident situation. Here in our office, we train our agents to craft these customizable policies to the needs and budgets of our friends and clients. It appears in this case that this may have been done for you. As such, several holes were left in the coverage that so it did not serve you as well as it might have. Careful reading of your policy, consultation with your agent and re-crafting your policy so that it met your needs would have potentially avoided your complications. Not enough people read the most important documents of their life.