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United Heritage Health Insurance Company

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A review of the United Heritage Health Insurance Company leads to the United Heritage Life Insurance Company. It is headquartered in Idaho and functions under the umbrella of the United Heritage Financial Group. This company offers a wide range of products, which include life insurance, group life and disability insurance, property and casualty insurance. However, it does not offer health insurance.

To find health insurance information, type in your zip code and you will get information on health insurance quotes tailored to your particular needs.

If you do not have health insurance coverage, are concerned with the rising cost of health care, do not have access to group insurance at your place of work, or are looking for premiums that you can afford, you might take a look at the United American Insurance Company.

The United American Insurance Company

The United American Insurance Company was founded in 1947 in Texas. With more than 800 employees, it is now serving 49 states, the District of Columbia and Canada. Since 1966 and the creation of Medicare, the company has put special emphasis on serving the needs of seniors. The four basic principles of stability, service, quality, and commitment that were at its core more than 30 years ago remain as important today. The company has earned the A+ rating from A.M. Best Company for three decades. United American Insurance mostly offers individual policies, and all its products have these important following features:

  • Guaranteed Renewability

As long as you pay your premium, your policy cannot be cancelled.

  • Flexible Benefits

You can choose policies designed to give you and your family basic health insurance protection or you can look for a policy that will add coverage to an existing one. These policies are tailor made to the special amount of coverage you need and the premiums you can afford while giving you flexibility as your circumstances evolve. You also have the freedom to choose your doctor and your hospital.

  • Portability

This is a very significant feature in the workplace of today. As you change jobs or move to another state, your policy goes with you.

The United American Insurance Company Products

  • Supplemental Health Insurance Policies

These plans supplement your current health insurance policy by providing coverage for hospital and surgical expenses. They can also serve as an affordable basic health insurance coverage.

Here is a sample of the plans available:

  • Foundation Signature Series

These policies can be issued to individuals from birth to age 63. With a maximum yearly benefit of $10,000, it will help you with major medical deductibles and co-pays and with hospital in-patient expenses

  • Healthguard Critical Illness

This plan is available to individuals from age 18 to 64. It gives the flexibility to choose lump-sum benefits from $10,000 to $50,000 and the possibility of renewal until the age of 80. Note that benefits will be reduced by 50% after you reach 65. No precertification is required.

  • Cash Benefit Cancer Plan

Also available from birth to the age of 69, this plan doesn’t require a physical exam. The benefits, which will be reduced by 50% after 65, can vary from $10,000 to $50,000, depending on your needs.

  • UA-250 Accident Compensation Plan

This is a plan designed to offer coverage in case of accident. You can choose to receive benefits in a lump sum, or choose the hospital cash benefit option.

For all the above plans, the benefits will remain the same through the life of the policies, regardless of changes in your health status or the number of times you use the policy.

  • Supplemental Cancer or Critical Illness Insurance

This insurance will provide you with more funds to face a medical crisis and therefore enable you to consider a broader range of treatments. When you are first diagnosed with cancer, or a critical illness, this insurance will pay from $10,000 to $50,000 cash. It will be entirely up to you how to use these funds, from paying medical bills and travel expenses, to using them as a source of income while you cannot work.

  • Medicare part D Plans

The United American Insurance Company offers you a prescription drug plan that is approved by Medicare and provides a reduction in your out-of-pocket cost for the most commonly used drugs. It will give you access to more than 58,000 pharmacies through Medco.

United American Insurance Company eService Center

To emphasize the company’s commitment to 24 hours a day service, its online center lets policyholders access information concerning their policies. You can review the details of your coverage, check the status of your claims, or update your mailing address.

If it is health insurance quotes you need, just enter your zip code in the free rates box right now.

 

 

 

 

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