United American Insurance Company
Medicare Supplement Plans - 2026 Rates, Reviews & Coverage
About United American
United American Insurance Company has been providing insurance products since 1947 and is a subsidiary of Globe Life Inc. (formerly Torchmark Corporation), one of the largest life and health insurance companies in the United States. United American offers Medicare Supplement plans in 47 states plus Washington, D.C. (not available in Massachusetts, Minnesota, or New York) and is known for its broad availability and competitive pricing. They offer one of the most complete plan lineups of any Medigap carrier with 11 plan letters available.
Available Medigap Plans
All Medigap plans are standardized by federal law - a Plan G from United American offers identical benefits to a Plan G from any other carrier. The only difference is the premium.
Plan C and Plan F are not available to anyone who became eligible for Medicare on or after January 1, 2020.
Strengths
- Available in 47 states + DC - near-nationwide coverage
- One of the most complete plan lineups (11 plan letters)
- Subsidiary of Globe Life Inc. - strong financial backing
- A (Excellent) AM Best rating for 50+ consecutive years
- Long history since 1947 - selling Medigap since 1966
Considerations
- Not available in Massachusetts, Minnesota, or New York
- Pricing varies significantly by state
- Rate increases have been higher than average in some states
- Customer service quality varies by agent
Best For
Enrollees who want the widest plan selection from a financially strong carrier with near-nationwide availability.
Not Ideal For
Enrollees in MA, MN, or NY, or in states where United American has had above-average rate increases.
Pricing Overview
United American offers mid-range pricing with significant variation by state. Competitive in some markets, higher in others.
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