United American Insurance Vs. UnitedHealthcare: Which Company is Best in 2021?

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United American Insurance Company is one of the leading providers of Medicare Supplement plans in the United States. It was founded in 1947 and is a subsidiary company of Global Life Inc. The organization lies on the foundation of four core values – Stability, Service, Quality, and Commitment.

United American Insurance Vs. UnitedHealthcare

A short comparison between United American Insurance and UnitedHealthcare is given below:

Provider Network

Both United American Insurance Company and UnitedHealthcare have a huge provider network across the country. United American Insurance provides its members with over 300,000 health care professionals and more than 4,100 hospitals. Meanwhile, UnitedHealthcare has 1.3 million physicians with approximately 6,000 hospitals and other health care facilities.

Medicare Supplement Insurance

Medicare Supplement Insurance is an added benefit that provides coverage to Medicare Part A and Part B. This insurance offers a lot more, which Original Medicare does not offer. Both UnitedHealthcare and United American Insurance offer a variety of Medicare Supplement insurances.

United American Insurance Company

Plans available to all applicants Medicare first eligible before 2020 only
Benefits A B D G K L M N C** F**
Medicare Part A coinsurance and hospital coverage
Medicare Part B coinsurance or copayment 50% 75%
Blood 50% 75%
Part A hospice care coinsurance or copayment 50% 75%
Skilled Nursing Facility Coinsurance 50% 75%
Medicare Part A Deductible 50% 75% 50%
Medicare Part B excess charges
Foreign travel emergency
Out-of-pocket limit is 2020 $5,880 $2,940

 

UnitedHealthcare

  Plans available to all the applicants Medicare first eligible before 2020 only
Benefits A B G K L N C F
Part A coinsurance and hospital coverage
Part B coinsurance or copayment 50% 75%
Blood 50% 75%
Part A hospice care coinsurance or copayment 50% 75%
Skilled nursing facility care coinsurance     50% 75%
Part A deductible   50% 75%
Part B annual deductible            
Part B excess charges          
Foreign Travel Emergency Care        
Out-of-pocket limit is 2020       $5,880 $2,940      

 

Supplemental Health Insurance

Both United American Insurance Company and UnitedHealthcare offer a wide range of supplemental health insurance. But UnitedHealthcare has more options to choose from –

UnitedHealthcare United American Insurance Company
  • Hospital and doctor insurance
  • Vision insurance
  • Term life insurance
  • International travel insurance
  • Accident insurance
  • Hospitalization insurance
  • Critical illness insurance
  • Student health insurance
  • Cancer insurance
  • Critical illness insurance
  • Accident insurance

In conclusion, we can say that UnitedHealthcare is a few steps ahead of United American Insurance Company in all respect.

Frequently Asked Questions

Q. How to qualify for UnitedHealthcare Medicare and Medicaid benefits?

To qualify for Medicare, you need to be

      • At least 65 years old
      • If under 65, qualify based on disability or under other special conditions
      • A citizen of the U.S. or a legal resident living in the U.S. for at least 5 years.

To qualify for Medicaid, you need to be:

      • Below 65 and fulfill the requirements for –
      • low-income families
      • Pregnant women and children
      • Individuals receiving SSI
      • Disability or other special condition
      • Minimum 65 years old and –
      • Receive assistance from the state
      • Blind or any other disability, not needing long-term care.

Q. What does dual-eligible mean?

Dual eligible refers to people qualifying for both Medicare and Medicaid simultaneously. Since both programs have similar requirements, it becomes quite easy for individuals to apply for dual eligibility.

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