Independent Carrier Review

United American Medicare Plans in Florida

Globe Life subsidiary with competitive Medigap rates and a long history serving Florida seniors.

United American Insurance Company, a Globe Life subsidiary, has been offering Medicare Supplement insurance for decades. Their competitive rates and strong financial backing make them a solid Medigap option for Florida seniors.

A+ Financial Rating (AM Best)

2+

Plan Types Offered

4

A+ Financial Rating (AM Best)

0+

$0 Premium Plans

Free

My Comparison Service

United American Medicare Plans — An Independent Review

United American Insurance Company is a subsidiary of Globe Life Inc. (formerly Torchmark), a Fortune 500 company. They have been offering Medicare Supplement plans for over 60 years and are licensed in all 50 states. In Florida, United American offers competitive Medigap rates with a full range of standardized plans. Their financial strength is backed by Globe Life's substantial resources, and their claims-paying history is strong. United American is particularly competitive in certain Florida markets and age bands.

Sample United American Plans in Florida

Plan availability and premiums vary by ZIP code. Call me for exact plans in your area.

Medicare Supplement

United American Medigap Plan G

$103–$153/mo

premium

  • Covers all Medicare gaps except Part B deductible
  • Any Medicare-accepting doctor nationwide
  • No network restrictions
  • Globe Life financial backing
Medicare Supplement

United American Medigap Plan N

$73–$113/mo

premium

  • Lower premium than Plan G
  • Small copays for office/ER visits
  • Nationwide coverage
  • Competitive rates in Florida

* Sample plans shown for illustration. Actual plans, premiums, and benefits vary by ZIP code and are subject to change. Contact me for current plan details in your area.

United American Medicare — Pros & Cons

Pros

  • Globe Life (Fortune 500) financial backing
  • 60+ years in Medicare Supplement
  • Competitive rates in select Florida markets
  • No network restrictions — any Medicare doctor
  • Licensed in all 50 states

Cons

  • Less competitive than Lumico/Medico in some markets
  • No Medicare Advantage plans
  • Medical underwriting outside open enrollment
  • Rate increases can be significant with age

Best for: Florida seniors who want a financially strong, long-established Medigap carrier with competitive rates

Why Compare United American With an Independent Broker?

  • I compare United American against every other carrier available in your ZIP code
  • United American agents can only sell United American plans — I represent 12+ carriers
  • I verify your doctors are in-network and your medications are covered before you enroll
  • I compare total annual costs, not just monthly premiums
  • Free service — I'm paid by the carriers, never by you
  • I review your plan every Annual Enrollment Period to make sure it's still the best fit
  • Florida specialist — 29+ years experience

"William Gray exceeded my expectations. He visited my home and provided a thorough explanation of various Medicare products. As a result, he helped me select the best supplement and achieve a significant reduction of over $150 per month in premiums."

Debra Abbott

Florida

United American Medicare — Frequently Asked Questions

Is United American Medigap available in Florida?

Yes — United American offers Medicare Supplement plans throughout Florida. As a Globe Life subsidiary, they have strong financial backing and competitive rates in many Florida markets.

Is United American the same as Globe Life?

United American is a subsidiary of Globe Life Inc. (formerly Torchmark). They operate as a separate insurance company but benefit from Globe Life's Fortune 500 financial strength.

How does United American compare to Mutual of Omaha for Medigap?

Both are strong carriers with A+ AM Best ratings. United American can be competitive in certain Florida markets and age bands. I compare both side-by-side for your specific situation.

Official United American & Government Resources

Always verify plan details directly with the carrier and CMS before enrolling.

* These links go directly to United American's website, CMS.gov, and Medicare.gov. I am not affiliated with these government sites. Always compare plans with an independent broker before enrolling.

Ready to Compare United American Medicare Plans?

I'll compare United American against every other carrier available in your ZIP code — factoring in your doctors, prescriptions, and budget. Free service, no obligation.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY: 1-877-486-2048) to get information on all of your options.

Not affiliated with or endorsed by the U.S. government or the federal Medicare program. This is an advertisement for insurance. William Gray and affiliated licensed agents are independent insurance agents, not government employees or representatives. Medicare has neither reviewed nor endorsed this information.

Not all plans or types of coverage may be available in your area. Plan availability, benefits, and premiums vary by county and ZIP code. Enrollment in any plan depends on contract renewal. Benefits, premiums, and cost-sharing may change on January 1 of each year.

Independent Agent & Compensation Disclosure. William Gray is an independent licensed insurance agent (FL License #W690237) and is not employed by or exclusively affiliated with any single insurance company. William is compensated by insurance carriers when you enroll in a plan. This compensation does not affect the premium you pay — your premium is the same whether you enroll through a broker or directly with the carrier. Affiliated agents are independent contractors solely responsible for their own conduct and representations.