We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1 (877) 486-2048) 24 hours a day/7 days a week to get information on all of your options.
United Medicare Advisors Review
When you start considering Medicare supplement plans and Medicare Advantage plans, you find a dizzying array of options and possibilities. United Medicare Advisors helps consumers sort through the confusion and select the plans that best suit their needs from over 27 Medicare Advantage and Medicare supplement providers.
United Medicare Advisors guides consumers through the often confusing maze of information to find the best insurance strategy for each individual’s situation. United Medicare Advisors works with over 27 plan providers in 45 states and has submitted over 100,000 policies, and is featured in our Best Medicare Supplement Plan Companies. The companies they represent include Gerber, Mutual of Omaha, Sterling, and Humana. Founded in 2008, United Medicare Advisors home office is in Kansas City, Missouri. Their agents hold licenses in multiple states to better serve customers.
- Easy to compare Medicare supplement insurance plans
- Simplifies cost comparisons over many providers
- Eliminates hours of research and multiple phone calls
- Only available in 45 states
- Insurance plan customer service is separate from United Medicare Advisors
United Medicare Advisors Pricing
United Medicare Advisors asks for a little bit of personal information to show you accurate rates based on your situation, however, they say they save their clients an average of $634 per year when switching to a new Medigap plan.
We looked at some online reviews to see what United Medicare Advisors customers were paying or saving. Most reviews we saw showed a savings of around $380 to $800 per year. For a personal quote check out United Medicare Advisor’s website.
How does getting Medicare Supplement work through United Medicare Advisors?
United Medicare Advisors does not provide insurance itself but acts as an agent for multiple Medicare supplement plan carriers. The company is much like an independent car insurance agent who shops around to find you the best deal on the coverage you want. Customers can call licensed agents or use the form on their website to get in touch with someone for more information or to sign up for a Medicare supplement plan. The website also provides an online comparison tool for those who prefer to do some research on their own before speaking to an agent.
When you talk to a United Medicare Advisors representative, you will supply some personal information to get help with finding the plan that best fits your needs and preferences. Agents can also explain coverage types, the differences in Medicare Advantage and Medicare supplements, and enrollment periods. United Medicare Advisors will handle all of the paperwork for you, you only need to sign the appropriate forms and answer some underwriting questions when applicable. If you currently have a Medicare supplement insurance plan with another company, you may have to contact that carrier yourself to swap the plans.
United Medicare Advisors and Medicare Parts A, B, C, and D Explained
Medicare provides basic coverage for medical costs and is meant to ensure that older Americans can get health insurance as they retire. Medicare breaks down into different coverages with letters to designate the covered areas of medical expenses. Medicare supplement insurance works with Parts A and B to pick up the cost of copays, deductibles, and coinsurance. Medicare supplement insurance does not work with all parts of Medicare. One advantage of using an agent when shopping for Medicare supplement insurance is that the agent should be trained in Medicare and insurance terminology and can assist you in understanding what Medicare does and does not cover.
Part A is hospital insurance covering inpatient care, inpatient nursing, and inpatient services and supplies. It is the part of Medicare that is also responsible for hospice service and home health service coverage. Most people do not have a premium for Part A if they have paid Medicare taxes while working over the years.
Part B covers services for general medical care such as that received from a family doctor. This part covers office visits, outpatient care, some home health care, and other medical services. Medicare Part B includes medically necessary care and preventative care services, but there are limits and restrictions. There is usually a monthly or annual premium for Part B.
Part C is commonly called a Medicare Advantage Plan and replaces traditional Parts A and B, although you still need to be enrolled in Medicare Parts A and B and pay the Part B premium. A Medicare Advantage Plan can save you money because the out-of-pocket limits can be lower and benefits extend to hearing aids, dental, vision and possibly prescription drug coverage. Part C plans vary significantly between insurers, making it confusing to comparison shop. Part C options may include these healthcare networks:
- Health Maintenance Organization (HMO)
- Preferred Provider Organization (PPO)
- HMO Point-of-Service (HMOPOS)
- Medical Savings Account (MSA)
- Private Fee-for-Service (PFFS)
- Special Needs Plans (SNPs)
United Medical Advisors can take the confusion out of shopping for Part C coverage. If you already have Part C coverage and are not happy with it, United Medicare Advisors can help you compare your current plan to available Medicare supplement plans.
Part D is prescription medication insurance. Like Part C, it is offered by private insurance companies for a premium instead of directly through the government. Part D policies can have copays, coinsurance, and deductible fees but often lower your overall drug costs due to discounts passed on to you from the insurer.
|What It Covers||Medicare Supplement Insurance works with:|
|Part A||Hospitalization, Home Health, Hospice||Yes|
|Part B||Office Visits, General Medical||Yes|
|Part C||Replaces A and B, Purchased||No|
|Part D||Prescription Medication, Purchased||No|
United Medicare Advisors and Medicare Supplement (Medigap) Insurance Facts
Medicare supplement coverage can be a confusing maze with complex regulations. While Medicare offers a chart of the regulated portions of the plans, there are many differences between plans and costs from the many approved providers. There are also differences in available coverage in Massachusetts, Minnesota, and Wisconsin compared to the rest of the country. There are 10 regulated plans, each noted by the letters A through N. The most common, and the ones you’ll most likely find, are Plan A, Plan F, Plan G, and Plan N. We explain these plans in brief below, but United Medicare Advisors can help you better understand the differences between these offerings
Plan A: All Medicare supplement providers, including United Medicare Advisors, offer Plan A, which covers coinsurance for Medicare Parts A and Part B. Medicare Supplement Part A extends coverage for 365 days beyond the Medicare Part A limit. This plan includes 100 percent of Part B coinsurance. Plan A is generally the lowest cost supplement plan.
Plan F: Plan F is a very complete supplement plan, although at a considerably higher premium. This plan covers everything from Plan A, adding coverage for these costs: skilled nursing facility coinsurance, Part A and B deductibles, and some foreign travel medical emergency. Plan F also covers Medicare Part B excess charges, up to 15 percent over the Medicare reimbursement.
Plan G: Plan G is nearly identical to Plan F except that it does not cover Part B deductibles.
Plan N: Plan N focuses on hospital inpatient coverage. It includes skilled nursing facility coinsurance, medical emergencies during foreign travel, and covers the Part A deductible. While this plan includes 100 percent Part B coinsurance, it requires a $20 copay for each doctor visit and, in some cases, a $50 copay for emergency room visits.
United Medicare Advisors Complaints
The Better Business Bureau lists United Medicare Advisors under their parent company, Spring Venture Group. They are accredited and maintain an A+ rating. With nearly 6,000 reviews, United Medicare Advisors has an overall five-star rating on Trustpilot. Of the few negative reviews, most people who published an actual negative review were confused, thinking United Medicare Advisors was the insurer themselves. Some reviews were regarding a conflict with individual agents.
United Medicare Advisors Q&A
Does it cost extra to use United Medicare Advisors?
No, United Medicare Advisors is an agent company, paid by the companies they represent through various agreements with each insurer. You do not pay United Medicare Advisors anything for their services.
Do agents get a commission for the Medicare supplement insurance sold?
While insurance providers pay United Medicare Advisors through various arrangements, the agents who speak to customers are not paid any bounty to sell one particular carrier over another. This impartial policy ensures that you get unbiased opinions on plans available to you.
What if I already have a Medicare Advantage plan?
If you already have a Medicare Advantage plan, you can still contact United Medicare Advisors to look at your options and how your current plan compares.
What about open enrollment? Can I buy or change plans at any time during the year?
You can sign up for Medicare, a Medicare supplement, or change plans for the first time only at certain times. Unless a qualified disability has made you eligible for Medicare early, your initial enrollment for Medicare will begin three months before you turn 65 and extends four months after your birthday for a seven-month window.
Your first open enrollment period for Medicare supplement insurance starts on your birth month the year you turn 65 and lasts six months after that. After your first enrollment, the annual open enrollment period is from October 15 to December 7, and you can make changes to coverage or purchase new plans at this time.
Outside of open enrollment, you can change or purchase plans under the guaranteed issue clause when specific events occur. These include your current plan leaving your area, or you move outside of the coverage area, your employer plan is ending, or you are still within the first year of your first Medigap plan (with some restrictions).
What is an agent?
Agents and brokers are state licensed professionals who represent insurance companies. They may work with one or multiple lines of insurance. The insurance companies pay the agents and brokers, you only pay insurance premiums and no fees.
Using companies like United Medicare Advisors takes the confusion out of buying Medicare supplemental insurance. The agents can explain terms and options more thoroughly while helping you compare insurance companies and their offerings. Talking to a United Medicare Advisors agent can save you hours of time and frustration. As with all insurance purchases, you should look into the insurance company you decide on as well as companies in your area that are not represented by your agent. Getting all information before signing up for Medicare supplement insurance will help you feel confident of your choice.