Estate planning options at United American

Medicare Supplement Plan A

Standardized Medicare Supplement Plan A (policy form MSA10), available to all applicants where state-approved. Covers Medicare Part A coinsurance and hospital coverage (up to an additional 365 days after Medicare benefits are used up), Medicare Part B coinsurance or copayment, blood (first three pints), and Part A hospice care coinsurance or copayment. No networks: coverage is accepted by any physician who accepts Medicare. Guaranteed renewable.

Medicare Supplement Plan G

Standardized Medicare Supplement Plan G (policy forms MSG10 and MSHDG), available to all applicants where state-approved. Covers every benefit in the plan chart except the Medicare Part B deductible: Part A coinsurance and hospital coverage, Part B coinsurance or copayment, blood, Part A hospice care, skilled nursing facility coinsurance, the Part A deductible, Part B excess charges, and foreign travel emergency (up to plan limits). A high deductible option requires first paying a plan deductible of $2,950 in 2026; high deductible Plan G does not cover the Part B deductible but counts its payment toward the plan deductible. No networks. Guaranteed renewable.

Medicare Supplement Plan N

Standardized Medicare Supplement Plan N (policy form MSN10), available to all applicants where state-approved. Covers Part A coinsurance and hospital coverage, blood, Part A hospice care, skilled nursing facility coinsurance, the Part A deductible, and foreign travel emergency. Pays 100% of the Part B coinsurance except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that do not result in an inpatient admission. Does not cover the Part B deductible or Part B excess charges. No networks. Guaranteed renewable.

Medicare Supplement Plans B, C, D, F, K, L

United American offers standardized Medicare Supplement Plans B, D, K, and L to all applicants, and Plans C, F, and high deductible F only to applicants first eligible for Medicare before 2020, where state-approved (policy forms MSB10, MSC10, MSD10, MSF10, MSHDF10, MSK06, MSK06R, MSL06, MSL06R). Plan M is not offered by United American. Plans K and L have out-of-pocket limits of $8,000 and $4,000 in 2026, after which they pay 100% of covered services for the rest of the calendar year. High deductible Plan F requires a plan deductible of $2,950 in 2026. Coverage is accepted by any physician who accepts Medicare. Guaranteed renewable.

Final Expense Whole Life Insurance

Whole life insurance designed to help cover final expenses such as a funeral home, casket, cremation and urn, cemetery plot, and marker or headstone. Issue ages 50-80 for standard rates (50-75 for tobacco users; maximum issue age varies by gender and tobacco use). A spouse can apply as a secondary applicant. Premiums are guaranteed level for life and face amounts are level for life. A Terminal Illness Accelerated Benefit Rider may be available where state-approved. Whole life policies build cash and loan value with premium payments.

Juvenile Whole Life Insurance

Whole life insurance for a child or grandchild. The application has a few questions and no medical exam is required. Premiums are locked in for the life of the policy, and coverage is permanent as long as premiums are paid and continues through adulthood regardless of changes in health. The cash value that accumulates can be presented as a gift to the child or grandchild.

Cancer Insurance

Limited benefit health policy that pays a one-time, lump-sum benefit only for first diagnosis of cancer, meaning the first time a covered person is diagnosed as having internal cancer or malignant melanoma (excluding all other skin cancer). Policy forms: CANLS2; in CO, CANLS-2 R11; in FL, CANLS; in MT, CANB(95); in NH, CANB.

Critical Illness Insurance

Limited benefit health policy that pays a one-time, lump-sum benefit only for first diagnosis of a covered critical illness, excluding cancer, while the policy is in force. Covered critical illnesses listed include major organ transplant, heart attack, stroke, total loss of eyesight, total loss of hearing, and end-stage renal failure. Policy forms: CILS; in CO, CILS R11.

Accident Insurance

The United American Expense Policy (Accident Compensation Plan) pays benefits by one of two payment options: a lump sum of up to $10,000 for certain accidental injuries such as dislocations, amputations, and fractures, or a hospital stay benefit of $250 per week for as long as 25 weeks (up to $6,250 per hospital stay) while confined in the hospital due to an accidental injury. Issue ages 0-63. Full 24-hour coverage on or off the job, air travel included, worldwide coverage. Guaranteed renewable. Policy form UA-250. Not available in AL, CA, CT, FL, IN, MA, NH, NJ, NM, OR, RI, SC, SD, TN, WA, or WV.

Group Retiree Health Plan

Group Retiree Health plans supplement Medicare for retired employees or members of qualifying employer and union group sponsors. Retirees, spouses, and surviving spouses age 65 and older enrolled in Medicare Parts A and B are eligible, and coverage for pre-65 disabled persons who are Medicare eligible can be added to a quote. Plans are customizable, with benefit options such as Part A and B deductibles, coinsurance, out-of-pocket maximums, doctor office visit and ER visit copayments, and Part A and B cost-sharing. Guaranteed acceptance; enrollees can use providers that accept Medicare. Policy forms UERHP and ERHP, in states where the products are available.