Health care is expensive! New procedures, better technology, more effective medications, and higher quality medical equipment have all driven the cost of health care up in recent years. Unfortunately, these increases are then passed on to the consumer, often making health insurance unaffordable for too many. There are now more than 41 million people without health insurance nationally.
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Take United American's Health Quiz to find out if you need health insurance, and see how they can help you understand your health care choices.
- Are you one of the more than 41 million people without any health insurance?
- Have you recently lost your job?
- Have your health coverage premiums increased or benefits been reduced?
- Is your annual expenditure on health care excessive?
- Are you concerned with the rising cost of health care and insurance premiums?
- Do you work for a small business which does not offer health benefits?
- Are you an individual or small business worker/owner looking for affordable health options?
- Do you pay any health care expenses out of your own pocket?
- Do you feel you are underinsured?
- Are you looking for affordable insurance premiums with flexible benefits?
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Affordable Solution to America’s Health Care Crisis
They are a strong company backed by a solid reputation and superior ratings. For more than 50 years, they have been dedicated to meeting the needs of their customers.
They believe they are the best at what they do and it shows. UA was rated A+ “Superior” for overall company strength for over 30 consecutive years by A.M. Best (rating as of 6/03).
United American is a company with integrity, and they honor their commitment to their customers by providing them with the best they have to offer. Here are just a few reasons why UA should be your top choice:
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At UA, you have the freedom to choose your doctor, hospital and specialist. You also have the freedom to choose from a wide variety of products and insurance policies with benefit options that can be custom fit for your needs.
They provide access to quality health care insurance coverage. Their premiums are competitive when compared to other companies' plans.
Not only are you getting the coverage at the right price but your policy cannot be cancelled as long as premiums are paid on time.
They offer individual policies, not group-association owned plans. Their plans are individually guaranteed renewable, unlike group plans. 
- Health Insurance Coverage: 2001, September 2002, U.S. Census Bureau
- United American Insurance Company’s insurance policies have some limitations and exclusions. This is a solicitation for insurance and you will be contacted by a licensed insurance Agent representing United American.
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United American offers a variety of Hospital and Surgical expense plans for individuals and families. These plans are designed to supplement current health coverage or serve as basic coverage where cost or availability is an issue.
- Issue ages 0-63
- Choice of daily hospital room benefit, intensive care and outpatient hospital expense
- Choice of surgical expense benefit
- Miscellaneous Hospital Expense Benefit of up to $25,000
- Miscellaneous Surgical Expense Benefit of up to $7,500
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- Issue ages 18-64
- Choose a Lump Sum Benefit Amount: $10,000;$20,000;$30,000; $40,000 or $50,000. (Benefit amount will reduce by 50% at age 65)
- Guaranteed Renewable to age 80
- First diagnosis coverage – policy terminates upon payment of benefit
- Pays in addition to any other life, major medical or hospital coverage
- Individual or spouse coverage available
- No Pre-Certification requirements
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- Issue ages 0-63
- Choice of Daily Hospital Room Benefit
- Miscellaneous Hospital Expense Benefit of up to $7,500
- Additional benefits for Intensive Care, Surgery, Assistant Surgeon and more
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- Issue ages 0-63
- Choice of Daily Room Benefit
- Includes Intensive Care Benefit, Surgical Benefit and Miscellaneous Hospital Expense Benefit
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- Issued at all ages (not available if enrolled in Medicare)
- Choice of Daily Room Benefit
- Provides Hospital Room Benefits for as long as two years
- Miscellaneous Hospital Expense Benefits up to 20 times daily room benefit
- Additional benefits for Intensive Care, Surgical Expense, Assistant Surgeon and more
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- Issue ages 0-63
- Pays benefits for Accidental Injury
- Choice of lump sum payment or Hospital Cash Benefit
All United American policies are guaranteed renewable, which means your policy cannot be cancelled for any reason as long as premiums are paid on time. Benefits cannot be changed by the company because of any change in your health or the number of times the policy is used.
These policies have some limitations and exclusions and may vary by state. Consult your United American Agent for full plan benefits and explanations.
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When considering the purchase of a Supplemental Cancer Policy, you should ask yourself the following questions: How much does your current health plan cover? Many health plans cover medical expenses associated with fighting cancer, such as radiation/chemotherapy, surgeon/anesthesiologist fees or hospital stays.
However, a policy should be examined closely to see if it contains provisions for treatment in a cancer center, experimental treatment, cosmetic/reconstructive surgery and other indirect medical expenses.
Also figure out exactly how much your out-of-pocket coinsurance and deductibles will be with this plan. Will you be able to afford your share of medical expenses as well as the in-direct, non-medical expenses associated with cancer, such as loss of income, travel or at-home care with your current assets?
Am I at risk for cancer? According to American Cancer Society statistics, cancer is the second leading cause of death in the United States, exceeded only by heart disease.
It is estimated that the overall yearly cost for cancer in the U.S. exceeds $156.7 billion (2001), including loss of productivity and income while a patient receives treatment.
Few families are equipped to handle the financial hardship brought about by a diagnosis of cancer in a family member, much less if that family member’s illness means that income is lost. In fact, 12% of families report members who delay in obtaining care or opt not to receive needed health care services, citing cost as the primary reason. 
Examine your family tree to see if there is a history of cancer. If so, you may be at a greater risk For example, women who have a first-degree (mother, sister, or daughter) family history of breast cancer are two times more likely to develop breast cancer than women without a family history of the disease.
Since environmental and other factors can also contribute to cancer occurrence, you should consider your lifestyle. Smoking and poor diet have been linked to some types of cancer.
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Determine your insurance need. Determine how much you will need to ensure a consistent lifestyle for your dependents or loved ones. Consider what assets you already have to provide income in the event of your death, such as savings accounts, investments or real estate.
Then figure how much your dependents will need for future living expenses, school, debts and mortgage. Subtracting these two figures will give you a close determinate of need.
Research the different types of policies available. There are many different types of products available to meet different needs. The two most common types of life insurance are Whole Life and Term.
Whole Life Insuranceis permanent life insurance coverage designed for people who know their life insurance needs will not change'' or who want to build an investment for future funds.
This type of life insurance plan offers level premiums that are based on the policyholder's age when the policy is issued (issue age). Some policies offer a paid-up option after a specified period of time, such as 10, 15 or 20 years, which means premiums cease but life insurance coverage continues for life. Whole life insurance also builds cash value.
Term Life Insurance provides life insurance coverage for a specific period of time, such as 1, 5 or 10 years. After that period, life insurance coverage is terminated unless renewed for another term.
Unlike Whole life insurance coverage, term life insurance builds no cash value. However, term insurance generally provides a larger amount of immediate life insurance coverage for lower initial premiums. Rate increases occur upon the term renewal.
This type of life insurance is ideal for those requiring temporary or supplemental insurance coverage or for those who need large amounts of life insurance coverage, but have budget restrictions. 
Do cost and life insurance company comparisons. Just as there are many different types of life insurance products available, so there are many different companies selling them for different prices.
The cheapest life insurance policy is not always the best. Look for a financially sound company with high ratings from industry rating services.
Also look at how premiums will change with age or on term renewal periods. A trusted life insurance agent can do much of this footwork for you and provide you with personalized comparisons based on your needs and budget, as well as answer any questions you might have.
Source: Current NAIC Life Insurance Buyer's Guide.
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Ages 0-49. The Plan 511 offers whole life coverage that has a paid-up option at age 65. Younger clients will appreciate this plan's guaranteed premiums and pre-determined cash values.
Issue Ages 45-80. The 400 Series whole life plan offers level or increasing benefits. The increasing benefit grows 5% each year for 20 years until it doubles. This plan is specially designed to meet the final expense needs of seniors.
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Issue ages 18-85. The RT-85 plan offers term life protection which is guaranteed renewable every ten year period. Benefit is paid directly to designated beneficiary.
These policies have some limitations and exclusions. Plans, rates, issue ages and benefits may vary by state. Consult your United American Agent for full explanations.
This is a solicitation for insurance and if you respond, you will be contacted by a licensed insurance Agent representing United American Insurance Company.
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