A non-government site powered by Health Insurance Associates, LLC., a health insurance agency.
Intergenerational family on beach

Compare plans from top companies.

Unified Health Insurance Company

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.

For free up-to-date health insurance quotes in your area, enter your zip code here!

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.

For free up-to-date health insurance quotes in your area, enter your zip code here!

 

42 Comments to “Unified Health Insurance Company”

  1. Karen Szelangowski says:

    “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!!!!!”

    1/5
    1/5
    1/5
    1/5
    1/5
  2. amy says:

    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!!!

    1/5
    1/5
    1/5
    1/5
    1/5
  3. Scott Wallace says:

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

    1/5
    1/5
    1/5
    1/5
    1/5
  4. Steve F says:

    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

    1/5
    1/5
    1/5
    1/5
    1/5
  5. Linda King says:

    “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”

    3/5
    3/5
    3/5
    3/5
    3/5
  6. kimberly says:

    “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”

    1/5
    1/5
    1/5
    1/5
    1/5
  7. paul carter says:

    I’m not sure about this insurance company anymore

    1/5
    1/5
    1/5
    1/5
    1/5
  8. deborah peck says:

    “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!!!!!”

    1/5
    1/5
    1/5
    1/5
    1/5
  9. Cheryl C says:

    “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.”

    1/5
    1/5
    1/5
    1/5
    1/5
  10. Dorcas Millbrook says:

    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.

    1/5
    1/5
    1/5
    1/5
    1/5
  11. Oluafemi says:

    “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.”

    1/5
    1/5
    1/5
    1/5
    1/5
  12. Baba bash says:

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

    1/5
    1/5
    1/5
    1/5
    1/5
  13. Pamela Morrison says:

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

    1.8/5
    1/5
    4/5
    1/5
    1/5
  14. Carol says:

    “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.”

    1/5
    1/5
    1/5
    1/5
    1/5
  15. Jackie says:

    “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.”

    1.3/5
    1/5
    2/5
    1/5
    1/5
  16. MARE says:

    “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”

    1/5
    1/5
    1/5
    1/5
    1/5
  17. MARE says:

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

    1/5
    1/5
    1/5
    1/5
    1/5
  18. GMK says:

    “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”

    1/5
    1/5
    1/5
    1/5
    1/5
  19. pat aumiller says:

    “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!”

    1/5
    1/5
    1/5
    1/5
    1/5
  20. renee says:

    f%$#@&* scams

    1/5
    1/5
    1/5
    1/5
    1/5
  21. Manette Vernasko says:

    “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…”

    1/5
    1/5
    1/5
    1/5
    1/5
  22. Afton C Pratt says:

    “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”

    1/5
    1/5
    1/5
    1/5
    1/5
  23. Jean says:

    “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.”

    1/5
    1/5
    1/5
    1/5
    1/5
  24. Dan says:

    “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”

    1/5
    1/5
    1/5
    1/5
    1/5
  25. Maggie Choukhadarian says:

    “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…”

    1/5
    1/5
    1/5
    1/5
    1/5
  26. Michael says:

    “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!!”

    1/5
    1/5
    1/5
    1/5
    1/5
  27. heather says:

    “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!!!”

    1/5
    1/5
    1/5
    1/5
    1/5
  28. Lori says:

    “I WAS GIVEN A GREAT QUOTE…BUT SIGN UP CHARGE WHEN I TOLD CHARLES THAT I HAD TO CHECK THE COMPANY HE JUST KEPT PUSHING ME TO GIVE THEM MY BANK ACCOUNT NUMBER. I HUNG UP AND HE HAD THE NERVE TO CALL BACK AND LEAVE ME A CREEPY VOICEMAIL.

    DONT WASTE YOUR TIME OR MONEY ON THIS COMPANY ITS A SCAM!!!”

    1/5
    1/5
    1/5
    1/5
    1/5
  29. Vincent Cottrell says:

    this is just a re-run of everything that has already been said about this “BS COMPANY!!……I have given them a thousand dollars already for nothing their plans are worthless …….”STAY AWAY!!.

    1/5
    1/5
    1/5
    1/5
    1/5
  30. annie almendarez says:

    “THIS COMPANY TOOK ME FOR OVER 700.00 AND I COULD NOT EVEN GET MY MEDS.

    Then when I Called to complain and cancel my coverage, they stated that they could not reimburse me for my meds like they said they would. Then told me they would be sending me coupons to help with my medication, but I never received.

    Why do people treat people like this? what a scam. now I have no insurance and have to pay for meds out of my pocket.”

    1/5
    1/5
    1/5
    1/5
    1/5
  31. Jerry Huettl says:

    Unified life took over the assets of Security Life from Minnesota. When we were under Security Life all of our claims were handled promptly and we had the ability to speak directly to a very helpful claims agent. Since unified life has taken over we cannot ever talk to someone who knows what they’re doing. Often times our calls to well over an hour and we are Put on hold multiple times. All of our claims are being questioned and we are very very disappointed in any payments. I wish there was just a way to get back to Security Life to handle our account

    1/5
    1/5
    1/5
    1/5
    1/5
  32. maureen says:

    “what they don’t explain too well , is this is a supplemental health insurance that doesn’t pay very much for
    anything. Don’t buy into this insurance . It is a waste of time & a scam as far as I am concerned. Did not pay for even routine physical exams or blood work . Had to pay a lot for my mammogram too. Find something
    different.”

    1/5
    1/5
    1/5
    1/5
    1/5
  33. Kimberly Gregory says:

    “Bad. Do not get this. Is a lying scam. They front as ER Insurance
    https://start.cortera.com/company/research/l4s2lun6l/er-insurance-associates-l/
    And who knows how many other fronts they have.
    When you try to cancel, they hang up on you, leave you on hold, etc. And when you try to call back, the number has been changed or you get a voicemail. SCAM, SCAM, SCAM.
    Better to have no insurance than this garbage.
    They lied and told me that the market place would cost me the same as this stuff, but they were quoting from only the most expensive plan. They made the garbage they sell sound like real insurance, and it is not.”

    1/5
    1/5
    1/5
    1/5
    1/5
  34. ME says:

    The person running this POS SCAM company should be locked up in jail for life, company assets need to be frozen with a 100% re payment of all premiums to the people they robbed. This is a SCAM and the federal government needs to go after companies like this .DO NOT FALL FOR THIS CRAP!!!!!! Customer service people and sales reps are nothing but LYING SCUM BAGS!!!!! Its no wonder all the reviews are negative. PURE GARGABE!!!!

    1/5
    1/5
    1/5
    1/5
    1/5
  35. rob k says:

    Total scam. The worst liars I have come across. Tried charging additional monies beyond what they originally said. Put you on hold continuously. Never did anything they said they would do. Horrible. Stay away.

    1/5
    1/5
    1/5
    1/5
    1/5
  36. Jessica says:

    This company is a complete scam. I had to call 7 times to cancel. They would not send me a cancellation email and I had to promptly stay on the phone until my email was written and sent. They took over $500 of my money, and no doctor had ever heard of them. I tried looking for a list of physicians online that took this insurance and I could not find one in the state of South Carolina. I was lied to and told that this insurance would cover my medical visits but it doesn’t really cover anything at all. You pay for insurance and still end up with 100 percent of the doctor bill. Because I can’t trust that my account is really closed after calling 7 times, I had to also notify my bank to stop all of their withdrawals out of my account and I had to get a new debit card. This company has caused me loss of sleep and a lot of stress. I normally see scams a mile away but they seemed legit and looked legit but the true colors show when you really need them. You pay a lot (about 179 a month) and GET NOTHING IN RETURN! At the end of the day, you’ll pay 100% of all your medical fees and have no insurance.

    1/5
    1/5
    1/5
    1/5
    1/5
  37. Sheldon Glazer says:

    “Interesting, I was contacted and given all kinds of great promises of what would be covered and how it would be verbally but when asked to see it on paper I was passed over and told to look it up for myself.

    Needless to said I am very weary of this coverage and will have to continue looking, for honest and affordable health coverage.”

    1.3/5
    1/5
    2/5
    1/5
    1/5
  38. Cindy says:

    If I could give no stars I would – complete scam after taking money they claimed I could call 24/7, except when I called to cancel I was never able to get ahold of them again lol literally the phone goes straight to saying “goodbye” and hangs up. I had to file a complaint with my bank so ridiculous

    1/5
    1/5
    1/5
    1/5
    1/5
  39. George says:

    “NOTHING BUT A SCAM…..I CAN’T CANCEL MY POLICY
    I HAVE TO CHANGE MY CREDIT CARD ACCOUNT”

    1/5
    1/5
    1/5
    1/5
    1/5
  40. Deena says:

    This place is sucks.I said I need pharmacy benefits.They sent me a discount coupon card.They only pay for 3office visits a year.Now I’m faced with not having insurance because I need to cancel this policy.I told them i go to doctor a lot.

    1/5
    1/5
    1/5
    1/5
    1/5
  41. G. Lewis says:

    This company is a scam; On Friday, 11/4/2020, I spoke with an agent named Chris; I inquired about a PPO health insurance policy and he quoted one for $334.51/month. This is an excellent price since I currently pay over $800/month, as I as a retiree and not old enough for Medicare. As a bonus to the policy there is a $35,000 life policy. On Monday, 11/7/2020, I called my Primary doctor and my eye specialist to see if they accepts this policy and both said, “No, they do not accept the plan.” I called Chris and explained they do not accept the Unified Insurance Plan. Chris told me that I need to ask about the Multi-level plan not Unified. All said and done, my doctors do not accept this Multi-level plan. I have tried multiple times to reach Chris at the number he provided and no response; actually, someone picks up and then immediately disconnects the call. I went an email to the web site requesting cancellation, received response all requests are answered in the order received. As of this date, 12/04/2020, NO ONE RESPONDED and yet they haven’t taken money from my account. I even put a stop payment for SBLI USA Life Insurance Company, but to no avail. On 12/03/2020; a company affiliated with them (gmemberbill.com) withdrew money from my account. I have called their number that’s on my statement and just a voicemail asking me to leave a message and phone number. Imagine that……..DO NOT GET TRICKED INTO PURCHASING THIS POLICY, AFTER THEY TAKE YOU INITIAL PAYMENT AND GET YOUR BANKING INFORMATION, YOU CAN NOT REACH THEM.

    1/5
    1/5
    1/5
    1/5
    1/5
  42. Elizabeth Rawls says:

    Told me if I did not act immediatly rates would go up, \”Needed my money right then\” Would not stop talking, I hung up.

    1/5
    1/5
    1/5
    1/5
    1/5

Leave a Reply

Your email address will not be published.