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Choosing a Florida Medicare Supplement Plan with United American


A Florida Medicare supplement insurance broker will guide you through all the steps so you can have the peace of mind that you took care of this important facet of your health coverage efficiently and thoroughly. 

United American Insurance Company has been selling Medicare supplements since Medicare's inception in 1966. United American uniquely distributes it's plans and prices through personal agents giving you, the customer, a personalized experience. With an A+ rating for 38 consecutive years, United American is an obvious choice for a Medicare supplement policy. United American is especially competitive in Broward County and Palm Beach County. United American High deductible F plan is competitive throughout the entire state of Florida.

United American offers Medicare Supplement policies for 10 of the 11 standardized plans A, B, C, D, F/HDF, G, K, L, and N (plan availability may vary by state). All Medicare Standardized plans include the following:

Basic Benefits:

  • Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.
  • Medical Expenses: Part B coinsurance (generally 20% of Medicare approved expenses) or copayments for hospital outpatient services. Plans K, L, and N require insureds to pay a portion of the Part B coinsurance or copayment.
  • Blood: First 3 pints of blood each year.
  • Hospice: Part A coinsurance for eligible hospice/respite care expenses.

The high deductible F plan pays the same benefits as Plan F after one has paid a calendar?year deductible. Benefits from this high deductible Plan F begin after out?of?pocket expenses exceed the calendar-year deductible ($2,180 in 2016).

Plans K and L have different out-of-pocket cost-sharing (50% for Plan K, 25% for Plan L). Once you reach the annual max-out-of-pocket limit ($4,940 for Plan K, $2,470 for Plan L), the plan pays 100% of the Medicare co-payments, coinsurance, and deductibles for the remainder of the calendar year. Everything resets on January 1st of each year.

Plan N pays 100% of Medical Expenses (Part B Coinsurance) except for a copayment of up to $20 for an office visit and up to $50 for an emergency room visit. The emergency room copayment is waived if you are admitted to any hospital.

For more than 35 consecutive years, United American has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (as of June 2014). UA is also rated A+ “Strong” for Financial Strength by Standard & Poor's (as of August 2014).

Call now at and speak with a Florida Medicare supplement insurance broker to help you choose the right United American plan for you.

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Hear what our customers have to say
Neil Primack helped me navigate the Medicare maze. He is very knowledgeable and we quickly found insurance that was just what I was looking for. I would recommend Neil to friends needing help.
Jodie S. Buerk
Neil Primack certainly deserves a five star rating. He clarified the Medicare supplement choices and lessened the many concerns that I had in choosing a new policy. Neil was considerate, kind, and immediately available.
Ruth Newman
Neil was extremely helpful with the application process and suggesting appropriate plans. I would recommend him to anyone looking for Medicare supplemental insurance.
Kathy Robinson