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Review: United American |
Comments
These are comments left by site visitors who have completed a survey for this company. The comments are unedited and shown in the order the surveys were received. If you would like to participate, just click the "Take a Survey" button at the end of these comments. |
" My local agent was very knowlegable and honest. I was treated with great respect. I like having someone trustworthy to see rather than an impersonal 800 number for about the same price..."
2007-06-20 15:55:04 EST
"United American gives their customers the Big Run Around! We have tried and been very unsuccessful just to get a straight answer from them concerning claims."
2007-08-16 16:31:23 EST
"I had a very minor problem with my claim. One call to my agent and he took care of everything. They are great"
2007-09-13 15:48:10 EST
"Extremly limited coverage if any, not what was promised. Had I bought Blue Cross of Michigan I would have been covered for a pre-existing condition. UA put a rider on my policy for no coverage for 6 months. When I needed them they would not pay.
Blue Cross would have been cheaper and saved me $70,000 in medical bills this year alone."
2007-09-25 17:10:03 EST
"united american insurance is a robbery all the monies, don t take it "
2007-10-17 21:02:55 EST
"I had to buy based on budget, I am glad I I bought this policy, 48,235 claim for heart surgery and I only paid 6,724 and they sent me a check for 10,000 so my real out of pocket was cash in my pocket"
2008-01-04 04:07:36 EST
"I like being able to use the insurance, I don't have to have some high deductible just to afford the premium."
2008-01-04 05:22:42 EST
"Wife and I are self-employed and decided to pick up this insurance as an emergency (in case of complications) as she was pregnant. There were complications during the delivery and after six months of phone calls, complaints, and faxing in more and more additional doctors notes they finally said they would cover about half the delivery cost aprox $9,500 dollars by paying off the hospital and refunding us for what we had already prepaid. Well when the checks came in the mail the hospital was only half paid off and our refund check came in $2,500 less than they had told us. We decided to just cut our losses and move on. Will never use them again."
2008-03-18 11:10:00 EST
"Very few participating providers in the area despite agent saying desired physician was in program. Slow in responding to requests. Agent disappeared after selling policy. Would avoid at all costs.
"
2008-03-31 18:48:59 EST
"This insurance company is a blessing to all consumers. It sincerely is, what insurance should be. The others are organized crime."
2008-05-23 18:10:06 EST
"They misled us about the coverage and were overall very unhelpful. The amount that was covered was actually surprisingly limited. I would not recommend them to anybody. Regardless of their decent price... pay more to get better coverage."
2008-05-28 15:09:40 EST
"great company if you have uninsurable conditions. They work with me. Didn,t decline me for being diabetic.( like the othe three companys.) Yes it is a limited plan but I have a good agent that helped me pick the wright tear..(even while I constantly beat him up on price) He stuck to his guns and I ended up with a policy that meets my needs."
2008-06-13 12:03:41 EST
"Be afraid be VERY afraid !!!!!!!!!!!"
2008-06-28 07:53:06 EST
"I was very up set with how things got handled after they had my direct deposit set up. I switched banks and tried getting ahold of my agent several times over a course of 3 months to get the billing info changed so it didn't over draft my account. He didn't return a single phone call. Then i sent in 2 forms to have someone from the head office call me back to get it changed and both were left unanswered."
2008-07-30 12:10:16 EST
"Beware. They do not pay claims. I had blood work done and they would not pay the paltry $160 benefit amount because "Your policy provides a maximum Diagnostic Benefit of $160.00 for the treatment of any one condition." Their reasoning was that they had paid for blood work in 2006 for my thyroid condition, so they never had to pay it again! This company is unethical and should be ashamed of themselves!"
2008-08-04 17:47:15 EST
"United American insurance is great. I have had visits to the doctors and they paid what they said they would pay. My out of pocket is only $15 whenever I visit my doctor. I just recently signed up with UA partners plus and had my yearly exam, completely free. I didn't have to pay a dime. My deductable is only $500 but only if I get admitted to the hospital or if I have to have outpatient surgery. I recommend this insurance to my family and friends. My children's wellness visits are free till age 16. I had to take my two sons, one is 10 and the other one is 8, for their school physical and I paid $0. United American paid all of it. Thank you UA for helping me and my family afford health insurance. I highly recommend it. Oh, and btw, my agent is always helpful and friendly."
2008-09-06 00:27:36 EST
"united American provides me with secondary insurane to Medicare. I started off payin just over $100 a month, which was reasonable. Now, they jacked my premium up to over $300 a month! Most months I don't have an occasion to even make a claim. I have to find a more affordable policy even though UA has been prompt about paying claims that I have made."
2008-11-18 13:15:08 EST
"I was told that this was an 80/20 policy when I ended up in the hospital they paid nothing of a 98,000+ claim and claimed prexisting condition even though the doctors provided proof that it was totally unrelated to any prexisting condition. I have placed approx 20 calls to my agent with no reply!!!"
2008-12-10 10:57:43 EST
"Sold this policy to us as an 80/20 policy. Their agent sat right in our dining room telling us their coverage was better and cheaper than Blue Cross. Told us about their drug discount program. One of my wife's medicines costs about $300.00 per month. We got $1.98 discount. Count on no prescription help at all. My wife had to be hospitalized for acute pancreatitis and ended up in intensive care. 26 days in the hospital in all. Total bill was over $123,000. UA only paid 30,000. ( 80/20?? )We now have to pay $93,000 out of pocket. DO NOT buy insurance from these liars and thieves. They use every excuse in the world to deny claims regardless of what they say during the sales pitch."
2008-12-23 11:00:03 EST
"As long as the consumer has been notified that it is a limited benefit plan, with minimal payouts....it will work for healthy people.....If you have any medical conditions, you need to keep searching for a major med plan. I shattered a leg a couple of years back to the tune of $90,000. United American paid about $40,000 of that bill. I am being sued by one of the facilities for the balance."
2009-04-20 10:36:21 EST
"This Company has not paid a penny on any of my medical bills. I should have quit them long ago. Beware of this company. "
2009-05-01 17:58:16 EST
"Buyer beware."
2009-05-26 11:46:07 EST
"Mickey Mouse Insurance company that will do anything to weasle out paying claims. After being told by the sales person that we would be covered 80/20 on any required surgery the insurance company put a cap of $2000.
Crooks!"
2009-07-16 20:55:34 EST
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