Complaint / review text:
I purchased a United American policy for my whole family. We paid nearly $600 per month for the policy. The agent told us that it was major medical insurance and that it covered 80% of major medical expenses, and that UA was one of the premiere self-employment insurance companies in the country. My wife was in a serious accident where she broke seven vertebrae. The accident was not her fault. She had several hospital stays and one serious surgery. Total bill for cat scans, x-rays, hospital, and surgery now exceeds $80K. United American has covered about $16K. All my calls have been answered by desk clerks who all say the same thing: "We are not a major medical insurer!" I cannot believe it. This is exactly the opposite of what the agent who sold us the policy said it was; the exact opposite.
This is not even health insurance as this company does not have insurance contracts with the medical caregivers. The hospitals had no idea who they were and had no financial contracts with them. Do not buy United American. It is not health insurance in the traditional sense; at best it is a sort of health "rider" or "addendum" but for the cost it is a total scam. A class action lawsuit is required. Does anybody know if one exists? If not, let us file one ourselves. With over $60K due that UA would not pay, contrary to their sales pitch, I would say that we are facing financial ruin. I purchased insurance to avoid this situation. What I was told was a complete misrepresentation of what United American actually is. Medical bills are very difficult to work with, and applying for Medicaid is even worse. Laws really should be put in place to put these people out of business.