Carrier review
United American Medicare Supplement
We are appointed to represent United American. This page explains what the company actually is, what it is good at, and what to check before you buy — not what its brochure says.
Figures reviewed for 2026
- Parent company
- Globe Life Inc.
- Headquarters
- McKinney, Texas
United American Insurance Company is a Globe Life subsidiary based in McKinney, Texas, with a long history of selling Medicare Supplement coverage to individuals. It is a mainstream, agent-distributed carrier rather than a low-cost disruptor, and it is often priced in the middle of the market.
Why consider United American
- Globe Life is a large, established parent.
- National availability across most states.
- Traditional career-agent service model if you value a named representative.
What to check first
- Mid-market pricing means they are rarely the cheapest; they win on service rather than on rate.
- Check the specific block's increase history like any other carrier.
How we compare this carrier against the rest
Medigap benefits are standardized by federal law, so a Plan G from United American covers exactly what a Plan G from any other carrier covers. That leaves five things worth comparing, and we check all five before making a recommendation:
- The filed premium at your age, ZIP code, and tobacco status
- The last five years of rate increases on the exact plan and block
- Whether pricing is attained-age, issue-age, or community-rated
- Household, spousal, and multi-policy discounts you qualify for
- The issuing legal entity, since one brand can hold several blocks
Common questions
Before you apply
- Is this carrier cheaper than the others?
- Sometimes, and only for a specific age, ZIP code, tobacco status, and household. Medigap benefits are identical by plan letter, so price is the only real variable — which is why we quote the whole market rather than publishing a number that goes stale.
- Can I be turned down for health reasons?
- Outside your six-month Medigap Open Enrollment Period, and outside any state-specific rights such as a birthday rule, yes. Carriers use medical underwriting and can decline or rate you up.
- What happens to my rate over time?
- The carrier files increases with your state insurance department, and they apply to your whole block of business. A carrier with a history of double-digit annual increases is expensive even when the first year looks cheap.
Also compare
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See what United American would charge you
Rates depend on your age, ZIP code, tobacco use, and in some states your health history. Send us a few details and we will put the real 2026 numbers side by side.