Specified Benefit and Specified Disease Plans for Individuals

United American is a strong company backed by a solid reputation and superior ratings and has been in busines for more than 50 years. UA was rated A+ “Superior” for overall company strength for over 30 consecutive years by A.M. Best (rating as of 6/04).

Supplemental Health Insurance Policies

United American offers a variety of Hospital and Surgical expense plans for individuals and families. These plans are designed to supplement current health coverage or serve as basic coverage where cost or availability is an issue.

All United American policies are guaranteed renewable, which means your policy cannot be cancelled for any reason as long as premiums are paid on time. Benefits cannot be changed by the company because of any change in your health or the number of times the policy is used.

Some of their most popular plans include:
 

 

 

See the links below for some of the policy brochures.  To apply for one of these programs or to just ask questions email us or call us at 314-438-0222.

  

 

GSPI Good Sense Plan Hospital & Surgical

 

 

> Issue ages 0-63

 

 

> Choice of daily hospital room benefit, intensive care and outpatient hospital expense

 

 

> Choice of surgical expense benefit

 

 

> Miscellaneous hospital expense benefit of up to $25,000

 

 

> Miscellaneous surgical expense benefit of up to $7,500

 

 

 

 

 

CILS HealthGuard Critical Illness 

 

 

> Issue ages 18-64

 

 

> Choose a Lump Sum Benefit Amount: $10,000; $20,000; $30,000; $40,000 or $50,000. (Benefit amount will reduce by 50% at age 65)

 

 

> Guaranteed Renewable to age 80

 

 

> First diagnosis coverage – policy terminates upon payment of benefit

 

 

> Pays in addition to any other life, major medical or hospital coverage

 

 

> Individual or spouse coverage available

 

 

> No Pre-Certification requirements

 

 

 

 

 

CANLS First Cash Cancer 

 

First Cash Cancer (CANLS) - Illinois & Missouri

> Issue ages 0-69

 

Cancer Policy (CAGR) - Illinois & Missouri

> Choose a Lump Sum Benefit Amount: $10,000; $20,000; $30,000; $40,000 or $50,000. (Benefit amount will reduce by 50% at age 65)

 

Cancer Expense Coverage (CAXC or CIXC) - Illinois & Misouri

> First diagnosis coverage – policy terminates upon payment of benefit

 

Cash Benefit Cancer (CANB) - Illinois or Missouri

> No physical exam, just a few health questions determine eligiblity

 

 

 

 

 

HSXC Hospital & Surgical

 

 

> Issue ages 0-63

 

 

> Choice of daily hospital room benefit

 

 

> Miscellaneous hospital expense benefit of up to $7,500

 

 

> Additional benefits for intensive care, surgery, assistant surgeon and more

 

 

 

 

 

SHXC Hospital & Surgical

 

 

> Issue ages 0-63

 

 

> Choice of daily room benefit

 

 

> Includes intensive care benefit, surgical benefit and miscellaneous hospital expense benefit

 

 

 

 

 

MMXC Hospital & Surgical

 

 

> Issued at all ages (not available if enrolled in Medicare)

 

 

> Choice of daily room benefit

 

 

> Provides hospital room benefits for as long as two years

 

 

> Miscellaneous hospital expense benefits up to 20 times daily room benefit

 

 

> Additional benefits for intensive care, surgical expense, assistant surgeon and more

 

 

 

 

 

UA-250 Accident Compensation Plan

 

 

> Issue ages 0-63

 

 

> Pays benefits for accidental injury

 

 

> Choice of lump sum payment or hospital cash benefit