Customer Review - United American

United American is a ripoff-don't waste your money

My husband and I are self-employed and wanted coverage for accidents, emergencies and surgeries. We repeatedly stressed-to the agent-that we were not so concerned with office visits and routine medical care but wanted protection against financial disaster. In February, my husband had an appendectomy. One night in the hospital and his surgery totaled $ 22,000. United American barely paid $ 6,000. I now have a $ 17,000 bill. I called the company and they explained how this was just a "limited surgical policy". Our premiums were $1,005 per month and for what? We would have been better off to be uninsured and saved the $ 1,005 per month. I have filed a complaint with the Missouri department of insurance because of misrepresentation of the agent and the company. Save yourself alot of grief and money-stay far away from United American.