Complaints

This profile includes complaints for United American Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  United American Insurance Company

  3700 S Stonebridge Dr McKinney, TX 75070-5934

  
• 

  United American Insurance Co

  4400 Lindsey St Bowling Green, KY 42101-0560

  
• 

  United American Insurance Company

  Springfield, IL 62703

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:08/14/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Called several times using my cell phone but each time after verifying my information including the policy number. The phone went dead. I finally called using my landline and call went through as before and I actually spoke with someone who told me that they would have someone call me concerning my issue. No one ever did.

  Business Response

  Date: 08/28/2023

  We would like to thank ********************** for reaching out to us.  I had attempted to reach him by email several times, and today was able to talk with him by phone.  Our office will forward a claim form to him for completion.  Upon return of the completed form the claims process will begin to determine if there are payable benefits. ******************

• Initial Complaint

  Date:07/13/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Recently I was provided with auto insurance through this company, which started May 2nd,2023. I had to pay the pro rated amount of $260.00. I then paid again on May 15th, 2023 for my again due payment on May 22nd, 2023. I received a letter in the mail stating I had no provided any information requested and my policy was to be canceled on June 2nd, 2023. I had received no communications prior to this letter requesting anything. This company has my home address, email and phone number to communicate if anything was needed and no one ever reached out. I called on June 5,2023 requesting a refund as I had paid for a whole month and did not get my month, to which they responded, it would be sent. In order to even speak with a representative, I had to choose the agent line, as there is no other way to speak with a representative. Once the check was finally received on June 19th,2023, I went to cash it to which I found that the company gave me a faulty check. My bank, ***** Fargo, was not able to accept the check to which I am told from the insurance company I must wait 30 days to receive another check. This company is playing with my money, time, and patience. I am very upset and would not recommend them to anyone.

  Business Response

  Date: 07/13/2023

  This complaint has been filed against the wrong company.  United American Insurance Company does not offer automobile insurance.

• Initial Complaint

  Date:05/31/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Youre customer service is subpar at best! I've been trying, along with my son and my daughter in-law, to contact this insurance company and have not been able to get through or when I/we do, we are put on hold and then disconnected. You have been wrongfully deducting money from my now deceased husbands checking account for secondary ********************** that he canceled back in July of 2022. Despite multiple attempts at trying to receive the refund, you refuse to return money taken from automatic payments. This company owes all premiums paid from July-December 2022.

  Business Response

  Date: 06/19/2023

  We would like to thank Ms. *********** for reaching out to us.  We have been in touch by email, and she has confirmed receipt of the refund.

   

• Initial Complaint

  Date:05/25/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My mother passed away Oct 22, 2022. She had an annuity that is worth $233,300+. My father and myself were the joint beneficiaries on the policy. He passed away November 8, 2023. I have sent both certified death certificates as well as the Annuity Claim Statement to cash out the annuity at the end of Februrary 2023. Sent additional paperwork to them in March ****************************************** the run around and say that they are escalating for processing and that due to the complexity and amount it takes longer. i am told the same thing every time we call. This is the only policy that they had and it clearly states myself as a primary beneficiary. No one knows what is going and I called again today and they are saying they are now awaiting for legal review, which I have been told numerous times. This has been going on too long. My Mother, *********************** was the policy holder and *********************** primary beneficiary along with myself as primary beneficiary and he is deceased and UAI has both certified death certificates and claimant statement with all info. policy is 57-1878967. Her last 4 of ss is **** and DOB 12/27/1930. I can be reached at ************ but no matter how many times I ask for return call for update I am told the same thing when I call but no one calls me back. This has been ongoing for almost 5 months now.

  Business Response

  Date: 06/13/2023

  Tell Thank you reaching out with details to assist. The claims process and all necessary reviews have now been completed. Benefits will be paid equally to *********************** and to the estate via checks that will be released this week.** why here...

• Initial Complaint

  Date:03/16/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I carried United American insurance *** as a medigap policy in 2022. On Jan 1, In 2023 I changed companies. Despite twice notifying them I am not carrying their insurance they refuse to return money taken from automatic payments taken in 2023 . Despite my notifying them on phone and in writing my request to cancel the policy they continue the policy forward. I have gone beyond any requirement I have had with ******** supplement insurance. Usually a ******** medigap insurance is automatically discontinued if not renewed in the new year. Is This a fraudulen company? Should I take this matter up with ******** fraud? I

  Business Response

  Date: 03/31/2023

  Our office located policy 00-8411291.  It has been cancelled as of March 1, 2023.

  Please let me know if we can be of further assistance.

   

  ***********************

  ******************

• Initial Complaint

  Date:12/01/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Initiated policy filing October 5, 2022 for a November 1, 2022 start date. United American Insurance Company has debited my bank account on November 15 but could not supply a policy number. As December 1, we have not received an introductory welcome packet. After numerous phone calls we were given a policy number November 25. Upon visiting our Doctor we were told they contacted United American Insurance Company. The Doctor's office was told by United American Insurance Company they had no such policy nor anyone with my wife or my name. We again followed up with a phone call to United American Insurance Company and was told they could not verify if we are covered by them. We asked to speak to a supervisor but was told we would receive a return phone. This is the third time over the last two weeks we were told we would receive a phone call but we never did receive a call from anyone. Meanwhile, we are unable to schedule doctor appointments.

  Business Response

  Date: 03/06/2023

  Business Response /* (1000, 5, 2022/12/06) */
  thank you for reaching out to us regarding this matter. According to our records ****** (XX-XXXXXXX) and ***** (XX-XXXXXXX) were each issued a Retiree Health Plan with an effective date of November 1, 2022. I have requested duplicate policies and they will be mailed to your home address. Please contact me if I can be of further assistance.
  [email protected]

• Initial Complaint

  Date:11/04/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This complaint concerns United American's failure to pay Doctor's Hospital for Part A services, dated 12/6/21 at Doctors HospitalMiami Beach Rehab for services at "Miami Rehab". The website of United American "claim detail" for my Medicare F supplement policy ending in XXXXX erroneously states that Medicare claim XXXXXXXXXXXXX was paid in entirety ($2786.00) by Medicare. However, it is widely known that Medicare covers 80 percent of covered claims. During a 49 min phone call on Monday, 10/31/22, at 12:28 pm (EST), "customer service agent Sebastian C. Acknowledged the claim cited above was reprocessed. However, Sebastian C. Alleged that on 8/15/22 Doctor's Hospital purportedly faxed United American and falsely stated that zero of the above cited claim was paid by Medicare. Sebastian C. Insisted he could Not provide me a copy of that fax or any further information about what seemed to be attempted insurance fraud perpetuated by Doctors Hospital on United American. However, United American Customer Service Agent Sebastian C.'s oral assertions 10/31/22 contradicts United American's online claim status record of the above cited claim which states in part "N-902-Our records indicate that all covered services on this date were paid in full by Medicare. Benefits are Not available when Medicare pays 100 percent of the approved amount. I have paid for the most Complete Medicare supplement plan that united American offers for my dob, plan F, which is intended to cover in full the additional 20 percent of medical services and also covers the Medicare deductible. I expect United American to promptly pay me the amount of $106. Which I need to pay Doctor's Hospital in attempts to avoid this matter being sent to a collections agency (against me personally). I also expect an apology letter
  
  FYI, I have paid for Medicare Plan F supplement policy holder of United American since 01/01/2020. My current policy costs $304./monthly is on auto-pay.

  Business Response

  Date: 02/23/2023

  Business Response /* (1000, 7, 2022/11/30) */
  We appreciate your bringing this matter to our attention so that we can address it. According to our records, the claim for the 12/06/2021 thru 12/15/2021 was for outpatient services - not for inpatient. The Medicare Remittance Advice form shows the charges were denied by Medicare as the maximum benefit for this time period or occurrence had been reached.
  If this information is not correct please provide our office with a corrected Remittance Advice form from Medicare. you can send it to my attention at kk*****@globe.life

• Initial Complaint

  Date:10/03/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am insured by this company and have tried multiple times to reach them. Every time I call, their IVR system disconnects me and thus I am unable to speak to anyone at the company.
  

  Business Response

  Date: 03/14/2023

  Business Response /* (1000, 10, 2022/12/14) */
  Our office apologizes for the delay in the response to this inquiry. We will provide a complete response by December 23, 2022l.

• Initial Complaint

  Date:09/19/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Need PDF or Electonic copy of Medicare supplement policy. The copy by USPS cannot be read as type is too small.
  Have called and emailed several times and cannot effectively escalate.
  

  Business Response

  Date: 11/10/2022

  Business Response /* (1000, 5, 2022/09/26) */
  Per the insured's request we have sent a pdf copy of the application to him via email.