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United Medicare Advisors Review

Sunday, October 17th

2021 Medicare Supplement Plan Reviews

Top Consumer Reviews Best-In-Class Blue Ribbon Award United Medicare Advisors Review 5 Star Rating

United Medicare Advisors

5 Star Rating Top Consumer Reviews Best-In-Class Blue Ribbon Award

United Medicare Advisors specializes in Medicare and related supplemental plans, giving you unbiased information and access to many different insurance companies. In business since 2009, they have enrolled hundreds of thousands of Medicare Supplement policies across the country. They work with over 20 carriers, including some of the major names in the industry (such as Aetna, Mutual of Omaha, and Humana).

Helpful Medicare information

To start with, there's a lot of helpful information on the United Medicare Advisors website. Under the Learn About Medicare tab, you can find information on Medicare Supplement, Medicare Advantage, Prescription Drug Plans, and Medicare Parts A and B. They provide access to blogs covering health care news, retirement, and health wellness. They even provide detailed guides that you can download and read at your leisure that cover Medicare Part D, a beginner's guide to Medicare, and the future outlook for Medicare,

Simple online form

When it comes to finding plans and premiums with United Medicare Advisors, they provide a simple online form where you enter contact information such as your name, phone number, and email address. This same information is required by almost all Medicare Supplement Plan sites. At this point, you will be contacted by a United Medicare Advisors rep. Optionally, you can call them yourself at 1-855-535-3502.

Talk with an agent

It's important to note, some Medicare Supplement Plan sites we reviewed will provide a list of insurance companies and premium quotes after entering your information. However, this can be misleading. Those companies don't allow you to sign up for a plan online - you still have to talk with someone. In fact, for the most part you are required to speak with a living person before you sign up for a Medicare Supplement plan. Once you talk with their representative, and provide more details about your insurance needs, the actual quote you receive can be quite different than the one you were presented with online.

Inside information

So, how does the United Medicare Advisors service stack up? In order to compare available plans across all the brokers and insurance companies we reviewed, we chose a profile of a recently-turned 65-year-old woman in Wisconsin, non-smoker, looking for Plan G. When we spoke with a United Medicare Advisors rep, they returned with a list of over 40 companies that serve that area, with about a dozen that they work with directly. To help narrow down those results, they prioritized the best insurers in our list for us. Our rep even recommended that we avoid one particular insurer, and said that another one charges a premium just for their name brand. Helpful advice!

Best Medicare Supplement Plans

Lowest premium quotes

From all the companies in our review, United Medicare Advisors gave us the lowest quotes we found. For our specific example, the insurance company with the lowest rate was Accendo, which is a CVS company affiliated with Aetna. The rep calculated a rate of $117.77 per month, which included all necessary riders to equal Plan G coverage. A second insurer, Southern Guarantee, was also more affordable than many quotes we received from other providers, at a monthly premium of $124.85.

Broker advantages

Why go through a broker like United Medicare Advisors instead of buying your Medicare Supplement Plan directly from an insurance company? First, there's no guarantee that any insurance company will always have the most affordable plan for your needs. United Medicare Advisors gives you access to a vast range of companies. They constantly monitor premiums and plans so that you can get the provider and the plan that best fits your needs.

Maintain contact

What about this company's service once the Medicare Supplement Plan has been issued? They will call you 30 days prior to your plan's renewal date to see if you're satisfied, or whether your needs have changed. Beyond that, you can call and ask them questions at any time. Approximately 98% of Medicare Supplement customers never change the plan they're on - the major exception is when people have a financial downturn and need something with lower monthly premiums (and less coverage). Our rep also said that United Medicare Advisors can often get answers for you quicker than if you called the insurance company directly. This is because they leverage their professional relationships on your behalf.

Excellent reputation

United Medicare Advisors has an excellent reputation. The company enjoys accreditation and an "A+" rating from the Better Business Bureau. Also, we found more than 20,000 5-star ratings from customers who appreciate their quality service and significant savings over other brokers. Clients said that the information they received was thorough and genuinely focused on their individual circumstances, not on pushing a particular service or plan. People also praised the friendly, helpful reps and describe their experiences as being quick, easy, and a perfect match for their insurance needs.

Active in 44 states

A couple of points to note. By submitting your information online, you're giving your consent for United Medicare Advisors and their subsidiaries to contact you. While this is fairly common in today's internet age, it's still something to note. Another fact is that United Medicare Advisors is active in 44 states, leaving out Alaska, California, Hawaii, Massachusetts, New York and Rhode Island. If you live in one of those states, you should keep reading further in our reviews.

Highest rating

So, while United Medicare Advisors does not show you an online quote, they absolutely deliver the goods with the lowest priced Medicare Supplement Plans we found. This is because of their vast access to both the bigger names in the industry as well as smaller, reputable companies you might not have heard of before. For all these reasons, we give this company our highest rating.

Where Can You Find the Best Medicare Supplement Plans?

If you or a loved one is approaching the age of 65, or will be qualified for Medicare Parts A and B soon for another reason, it's the ideal time to start shopping around for supplemental coverage.

You are probably already aware that your Medicare insurance pays for most of your costs - but not all. That's why Medicare Supplement plans are often known as "Medigap": they close the distance between the 80% that's covered and the 20% that isn't, so that you have fewer or no out-of-pocket costs.

The Best Medicare Supplement Plans Compare Medicare Supplement Plans Compare Medicare Supplement Plan Reviews What are the best Medicare Supplement Plans Best Medicare Supplement Plan Reviews

Medicare Supplement Plan FAQ

Medicare Supplement Insurance is additional coverage beyond traditional Medicare. Also known as "Medigap" , these plans cover some or all of the expenses that aren't covered by your basic Medicare benefits.
Original Medicare only covers 80% of most medical expenses. The remaining 20% can get extremely costly, especially if you have a long hospitalization or a condition that requires specialized treatment. Medicare supplemental plans can ease the financial burden, kicking in where Medicare stops and reducing your out-of-pocket costs.
That depends entirely on the plan you select. Will you choose a high-deductible plan with lower premiums, or is it worth it to you to pay more in premiums to pay nothing when you have a medical expense? It also is heavily influenced by your particular situation: where you live, if you're a smoker, male vs. female, your age, and so forth. For Plan G coverage (the most popular of the Medicare supplemental plans), expect monthly premiums in the $110 - $160 range.
It can be confusing at first, partly because they're all identified by letter names (for example Plan A, Plan B, and so on) - and they're often mistaken for the similarly-named components of Medicare itself (Part A, Part C, and more). Again, the main differences relate to the trade-off between deductible amounts and premiums: pay more upfront to spend less later, or vice-versa. Plan benefits are standardized, however, so whether you choose a Plan M with one insurer or another, your coverage is the same.
While your coverage is the same regardless of which provider you use, premiums vary. It's a good idea to speak with a few companies, or with a broker that can give you quotes from several insurers to compare. Also, each company offers a different package of "extras" to complement your Medigap coverage. Some services will keep an eye on your premiums and let you know if you're going to experience a significant increase - and they'll even recommend a new insurer if they find one that's better suited to your needs.
Unfortunately, yes. Just like any other form or insurance (such as auto, medical, homeowner's), your Medicare supplement insurance premiums may change. Insurers may lock in your rate for a year or two, but you should be prepared for an increase in the future. There are a few providers who have a strong track record for keeping increases infrequent and small.
That depends. While some states require Medigap plans to be available for disabled individuals under the age of 65 (the age that standard Medicare eligibility starts), there's no corresponding federal law. And, many states that permit Medigap coverage for the disabled also have restrictions that don't apply for the 65-and-up plans. You should speak to a Medicare Supplement Plan advisor to learn about the options in your state of residence.
Not only is it legitimate, it's an important component of many seniors' healthcare benefits and financial planning. Of course, you should be careful to choose a reputable provider and work with an agent or referral service that takes the time to understand your needs and explain all of the available options. There's a limited window of opportunity to sign up for a Medigap plan without having to submit medical reports, so it is recommended that you begin doing your research well before your 65th birthday.
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Continued from above...

Medicare Supplement Plans are given letter names, so it can be easy to wind up confused. Plus, plans and their coverage are always changing. For example, Plan F was considered the go-to package, but it was discontinued for anyone starting coverage after January 1, 2020. Its replacement at the time, Plan G, offered similar benefits - fully covering that extra 20% and more - but added an annual deductible to the equation.

Another factor to keep in mind is the "guaranteed issue period". For the six months following your 65th birthday, you can get a Medicare Supplement Plan with no requirements beyond paying your premiums. By law, you can't be excluded for any health conditions, although your premiums will be higher if you're a smoker. But, once that grace period concludes, insurers can require more detailed information about your health conditions such as diabetes or heart conditions, and you can expect your premiums and available plans to change accordingly.

When buying a Medicare Supplement Plan, you have two basic routes: buy directly from an insurance company or go through a broker. Going to an insurance company you already trust can be an appealing option. You'll typically find the best rates for that particular insurer. On the other hand, using a broker often gives you access to not just your favorite insurance company but many others. So, with one process you can get the best rates from a number of providers at the same time - including that rate you got when you contacted the insurance company directly.

Whether you decide to use a broker or to buy directly from an insurance company, it's wise to do your research beforehand. The last thing you want is for an eager rep to steer you towards a plan that doesn't fit your needs, so take the time to browse several providers' websites before getting in touch. However, because Medicare rules state that all plans have to be sold in person or on the phone, you'll eventually have to speak with someone to finalize your Medicare Supplement Plan.

TopConsumerReviews.com has reviewed and ranked the best Medicare Supplement Plans available today. We hope our in-depth evaluations help you save time and money by giving you the information you need to choose the best provider and plan for your needs!

Compare Medicare Supplement Plans

Select any 2 Medicare Supplement Plans to compare them head to head

best-medicare-supplement-plans
  • United Medicare Advisors
  • Go Medigap
  • Aetna
  • SelectQuote Senior
  • Blue Cross Blue Shield
  • GoHealth
  • Humana
  • Medicare Plans
  • Cigna
  • Health IQ
  • HealthCare
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