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Unified Health Insurance Company

Overall Rating1.071.071.071.071.07
Customer Service1.221.221.221.221.22
Network1.071.071.071.071.07
Plans1.071.071.071.071.07

Unified Life Insurance Company, succeeding a company of the same name, reorganized in the state of Texas in 2001. Since then, Unified has been wholly owned and operated by William Buchanan and his family. Buchanan has spent more than fifty years in the insurance industry and is highly regarded by his peers. Unified life is primarily a reinsurer, taking on the financial risks of other insurance companies. Unified Life is licensed in 49 of the 50 United States, all except New York, and the District of Columbia.

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Unified is located in Kansas and can be contacted at the following address:

Unified Life Insurance Company
PO Box 25326
Overland Park, Kansas 66225
913-685-2233

For customer service on an insurance policy serviced by Unified, call toll free, 800-237-4463.

Unified Life is also in the business of buying other insurance companies. One such acquisition recently occurred as Unified bought the Guarantee Trust Life Insurance Company, formerly of Glenview, Illinois. Responsibility for all outstanding Guarantee policies was assumed by Unified as of December 31, 2010. All the benefits and terms of the former Guarantee policies remain exactly the same. Guarantee policyholders will make payments to and file claims with Unified Life through their administrative offices in Overland Park, Kansas.

Unified Life Customer Service

With the addition of Guarantee’s book of business, Unified Life now serves over 200,000 insurance clients coast to coast. Unified promises friendly and courteous service to all of its many clients, the same quality service they grew to expect from the various companies who originally sold them their insurance policies.

The only other information the company website provides is a convenient forms page, where clients may access common notices, statements, federal tax forms, and claims forms.

Unified Life Ratings

A.M. Best rates Unified Life as “good, B++.” Unified meets the criteria of a category five insurance company with annual revenues in the $10 to $25 million range.

Unified Life Community Service

Unified Life remains committed to the community it serves by sponsoring many worthwhile organizations and charitable groups. One such group is Kansas City Express, a running club for women. Each year Unified sponsors a Mother’s Day 5-kilometer race promoting health and fitness for women. This past year, more than 3,000 female runners participated.

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27 reviews

  • Karen Szelangowski /
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    RUN -don’t walk -RUN from this company….they are quick to take your money but not in giving it back to you. FIVE phone calls -same issue -different information each time I call…and it is never their fault.

    My insurance policies were sold to this company and I have had nothing but misery since!!!!!

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    this company is nothing but a scam. they denied coverage on a 5-year-old wellness exam and mandatory vaccinations!! do not give them any money!! I would rate them 0 stars but it won’t let you!!!

  • Scott Wallace /
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    Doesn’t meet minimum criteria? Might call back after 3 days? Doesn’t cover prescriptions? Agree with review above, STAY AWAY.

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    Canceled this insurance since it was not what they told me it would be then the next month they took out the payment from my acct. I called and they claim I never called to cancel in the past. SCAM COMPANY

  • Linda King /
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    I thought I would be able to go to the Dr, after two years of not seeing how my COPD has progressed since 2013 when I lost my Tn care.

    Unified is supposed to take $178 out of my check this next payday and then $79 a month. No deductibles, Aetna is supposed to cover eyes and dental.

    If what you are saying here is I will pay my money and get nothing I better go to the bank and get the transaction canceled. Which puts me back being uninsured once again. At 59 years old, single, working as much as possible for $9. an hour. with COPD and not meds.

    How can any company be so sorry to trick children and seniors? They seemed to be my answer. Glad I came here before they got my money. Thanks

  • kimberly /
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    I have not been able to find a doctor that will take this insurance card. I am so embarrassed.

    I have high blood pressure and on medicine for it, since I signed up with this company I am still looking for a doctor and I ran out of medicine over 4 months ago.

    So far this company has not even earned a star

  • paul carter /
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    I’m not sure about this insurance company anymore

  • deborah peck /
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    this is nothing but a scam!!

    I have not one doctor office that will take this “insurance’ no one has ever heard of this stuff—had to change all my banking info to get them to stop billing me…SCAM SCAM SCAM!!!!!

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    I have made several attempts to cancel coverage by phone and by written notification to this company, as I started a new job, which included full medical coverage. I was informed by the sales rep that is was NOT a discount insurance plan and I could cancel at any time.

    The company continues to extract a monthly amount from my bank account after several attempts to stop coverage. My next step is to go the bank and pay a substantial fee to block payment.

    I plan to contact the Better Business Bureau as well and hope that others that have been had unpleasant experiences with this company do the same.

  • Dorcas Millbrook /
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    I was told that I wouldn’t have a co-pay only to find out that there’s an $50.00 co-pay. I was lied to. I want a refund ASAP! It’s a scam!!!! I wish that I could post a NEGATIVE STAR bc I would.

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    This company is a SCAM. The so-called broker does bait And switch…then will say this is a top 10 health insurance.

    First, he will ask how much you want to pay per month like you are on a car lot. Then he says hold on, let me find you the best quote. If you say that Unified does not sound familiar he will say it’s one of the best. What rock do they think people live under? It sounds like he is reading from a script. He’s a can man for real. The prices are too good to be true.

    I said let me do my research about this company. They are too quick to offer you insurance and take a payment and enroll effective midnight. No legitimate health insurance company does that. There is an underwriting period that has to be done…don’t go for it. I came here and saw everything I suspected.

    Do not deal with them! They are the worst kind of con artists. Glad I did not give them any money or information about my money.

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    Terrible insurance.
    Purchased for my son.
    No one takes it.
    Scam!

  • Pamela Morrison /
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    I can’t find a doctor who accepts this insurance card. Every doctor’s office has told me they have never heard of it

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    I was given this info on this insurance to start a new plan with no deductible and low monthly payments, due to my multiple prescriptions. As I read these comments I don’t think I want to be apart of the plan.

    I was hung up on not once but twice before because the reps didn’t take the time out to confirm if my disability was work or government? They didn’t care. they just said they didn’t do disability and hung up which was a rude way of handling the call to me. I called back the third time to finally get in and now this. What a mess.

    I’m glad I read all this before I gave my money, especially since you all are saying it is hard to get your money back. Oh my goodness, that is just horrible. Thanks. I will not be going with this provider. No way, no how. Should have known, it sounded too good.

    I guess the saying is true that everything that glitters, isn’t gold. I have too many medical conditions to be messing around with not being able to find a doctor or provider because of an insurance nobody ever heard of. Not cool guys. Not cool at all.

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    I spoke to Dan and he was very upbeat, just graduated from college, I told him that this sounded too good to be true and Inlight of these reviews. I think I was so right, Blue cross Blue shield is so expensive and un-co-operative but they prey on us telling them that. Dan said it was his biggest complaint from people.

    The system is wrong and we need to suffer this but please don’t throw hard earned money away to the like’s of these who are even worse by the sound of it. Glad to have read these terrible accounts.

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    I researched this Unified Health One co here. I almost signed up w/Justin. He told me about cheap ins. I told him I wanted to get off phone & check it out.

    multiplan.com had no drs-He said he was having no trouble finding hospitals/drs 4 me wanted me to sign up immediately- He was reluctant to give me his # & name-this co is a SCAM-DON’T GET IT

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    Don’t get UNIFIED HEALTH ONE. IT’S A SCAM. I DIDN’T WANT TO LEAVE ANY STARS

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    I moved into a new area and was looking for basic health insurance, something that would cover well visits and annual check ups. The rep had told me if my family and myself were healthy, this would be the perfect plan for me. I would be 100% covered on the well visits for my 5-year-old and routine check-ups for myself and son.

    After paying 6 months worth of premiums, I took my 5-year-old for her well visit. I When I called Unified, after being billed for the well visit, I was transferred multiple times to different representatives and then told that my plan did not cover well visits or check ups at 100%.

    COMPLETE SCAM!!!! WILL BE REPORTING THIS TO BBB

  • pat aumiller /
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    This Health ins. is a Scam. The Broker I talked to said that this would be great for Diabetics to get prescriptions and blood work. As I went to get my prescription filled for insulin it was 2,900 dollars.

    This Unified Health inc. didn’t cover anything. It was all a lie.

    Don’t let them talk you into it. It’s a Joke!!!!!! Ripped me off 150.00 a month for Nothing!

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    f%$#@&* scams

  • Manette Vernasko /
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    OMG!!! SUCH TERRIBLE REVIEWS…!!! HOW CAN YOU SLEEP AT NIGHT??? I THINK I WOULD BE LOOKING FOR ANOTHER JOB AS, THIS NON-EXISTING HEALTH INSURANCE IS A SCAM THAT NEEDS TO HAVE THE LEADERS IN CHARGE, BEHIND BARS!!!

    HEY, LOOK OUT FOR YOURSELVES BECAUSE YOU WORK FOR THEM AND ARE JUST AS GUILTY…!!! ??? THEY ARE GOING TO GET YOU ALL… SOOO LONG AND ENJOY THE BARS YOU WILL BE BEHIND AND NOT CELEBRATING RIPPING PEOPLE OFF AT THE BARS!!! JUDGEMENT DAY IS COMING TOO…

  • Afton C Pratt /
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    Don’t fun fly away.

    Agent will not return phone calls. Don’t talk to anyone named Gus. I am now stuck with no supplement insurance. And I am disable.

    This place needs to be shut down. No rating in order to get out you have to leave a star

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    Thanks everyone for your honest comments. I just got off the phone with Nelson and Gordon. They also gave me a plan that sounded too good to be true. I told them I needed to talk with my husband, they tried to convince me I didn’t need to.

    I’ve always believed if it sounds too good to be true, it probably is and if you are pressured into making a decision now, that’s a sign of a scam. I couldn’t find anyone who accepted Unified Health Ins.

    I work for an optometrist and we don’t take it and the dental plan was also too good to be true. Glad I checked on here before giving them any financial information.

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    Keep far away from these scumbag crooks they use a telemarketing company that calls us at least 10 times a day saying that they are the ( national insurance enrollment center ) they are calling from 256-333-5955 they offer you full coverage insurance on a nation wide pop with no deductible all for 100.

    Per month I am 55 years old common sense says this is a total scam they are just trying to get your bank account numbers and will wipe out your bank accounts as soon as you give them your info keep far away from thus company unified insurance this is a total fraud

  • Maggie Choukhadarian /
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    Since the agent offered me PPO plan with excellent rate, I felt it was fishy. After he explained everything and offered me to sign up immediately with an application fee of $ 125.00 and was pushing me to sign up.

    I told him I need to check first make sure all the information is correct. Once I said that he hang up on me…

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    THEY DO NOT COVER ANYTHING !!!!!!!!!!!!!!!!!!!!!!

    I went to the hospital, nothing was covered. I went to a doctors care for a medical emergency, Unified Health One covered absolutely nothing.

    Save yourself the money and look for another plan.
    An expensive useless plan!!

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    this is a scam.. stay away no one in the medical field takes this and has never heard of these people..trust me I’m a medical biller..save yourself the heartache!!!

    forces you to rate them and they are scam artist!!!

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