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| *Loan,banking and credit>>>health insurance |
Can anybody advise me on the Insurance Company United America for health insurance? |
I need Health insurance and would like advise on this company United America Health Insurance does not provide medical insurance coverage. They provide supplemental insurance to whatever coverage you presently have. Obviously you do not have any based on your statement. They are based in California, Illinois, and Georgia, and not registered with the Better Business Bureau (red flag.) Since they are not registered with the BBB and this particular business requires a licenses, they cannot confirm if they actually have such licensure to sell medical/health insurance. Regardless, this organization is notorious for feeding you this line they are a medical insurance provider and make you a million promises, but they are notorious for not returning phone calls and heaven forbid of an accident, hospitalization, or illness that is when you find out you have been shanghied and out of money. Stick to the better known insurance providers. GHI, Blue Cross/Blue Shield (Oxford), and AETNA. There are a few others but just can't think of them. More expensive? Yes. But at least you know you have REAL medical coverage for you and your family. Contrary to the above post United America does have health insurance policies in some states. As an independent agent I'm able to sell UA policies but I have refused to do so because their policies are not very good. They are not major medical policies. They have many limitations to what they'll pay, such as a $400 daily limit if you're admitted to the hospital and very severe limitations to the amount that they'll pay for inpatient and outpatient surgeries. There are many other policies available for about the same premium. Visit a local independent agent. This person knows the market in your area and can find a policy for your situation (as long as it's not UA). The agent doesn't charge you any extra for the service. Independent Agent These guys are on the right track; I'm guessing from your post you're not looking for Medicare Supplement insurance but some form of health insurance. UA sells what I call a 'minor medical' policy: they cover up to some amount but if something major happens they cut off coverage. I'm not familiar with their claims handling. My experience with UA is they pay HUGE commissions to their agent - some 10X what a normal medical policy would pay. This tells me their policies are way overpriced. I'd recommend you look for a major medical type policy, with a high deductible if money is the issue. Good luck http://ohio-insurance-forum.blogspot.com... |
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