United Medicare Advisors Summary
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).
Pros
- More than 30,000 Five-Star Reviews
- A+ BBB Rating
- Average Savings of $581 Annually
Considerations
- Operates in 44 States
- Insurance Plan Customer Service is Separate From UMA
Top 3 Supplement Companies
Overview
Benefits
- UMA boasts “unbiased, personalized assistance” with comparison shopping across a variety of plans
- By partnering with multiple insurance carriers, shoppers can get side-by-side quotes to get the best available rate.
- Ease of narrowing down options to find the best price for their coverage need
- Offer a vast wealth of informative resources and articles available via their site and blog
- They sell plans from over 20 top-rated insurance carriers
- United Medicare Advisors’ service is completely free to users
Our Favorite Features
No application fees/ no hidden costs
While many comparison shopping companies charge an application fee, UMA is completely free. You won’t pay anything out-of-pocket for their help. The only time you’ll see a cost is if you find a plan you like.
Unbiased Comparison
UMA partners with over 20 leading insurance carriers. While they can’t show you every plan available to you, they have enough variety to ensure you’ll find a plan you like at a good price.
Enrollment made easy
UMA handles all of the paperwork for you, you only need to sign the appropriate forms and answer some underwriting questions when applicable. If you currently have a Medicare supplement insurance plan with another company, you may have to contact that carrier yourself to swap the plans.
Service Before & After the Sale
The shopping process is easy: once you’re on the phone with a Licensed Insurance Agent, they’ll ask a few basic questions about your age, location, and health history to find which plans are available to you. From there, you can ask as many questions as you’d like. Once you enroll, you’ll get access to the Customer Success Team and receive Annual Policy Reviews to make sure your plan remains a good fit for you long-term.
Focused on Medicare Supplement
Medicare Supplement is UMA’s specialty, and their team is well-trained on the ins and outs of the product. If you’re unsure which plan type you want, they can answer questions about various Medigap plan types and guide you in the right direction.
Online Resources
UMA has a lot of great information available online. Their online blog touches on everything from Medicare to Retirement, and their downloadable books offer more in-depth education on various Medicare products.
Perspective: Is UMA a good fit for you?
If you want to shop different insurance carriers to find the best price, we recommend UMA. Their process will eliminate the time and energy you would use researching and getting quotes for plans on your own. Their technology allows them to constantly monitor rates for up-to-the-minute pricing. The best part? They don’t charge for their service. You can have as long or short of a conversation as you want, get enrolled in a plan, and receive great post-sale perks and services for as long as you’re in your plan.
Why Medicare Supplement Insurance?
Having Medicare Supplement Insurance (also called Medigap) in addition to Original Medicare benefits helps to protect you from unexpected costs, allowing you to receive the care you need without worry of financial burden. Because of the guaranteed coverage protection offered during the Open Enrollment Period, it's a great option for those with pre-existing conditions as well. Plus, it allows you to continue to receive the federal Medicare benefits you’ve been paying toward throughout your working years.
Key advantages of Medicare Supplement Insurance:
- Guaranteed renewability each year
As long as you pay your premium, your coverage will continue year after year and cannot be cancelled (except in specific cases, like providing inaccurate information on your application).
- Simple, straightforward plan options
Because they are federally standardized, it’s fairly straightforward to understand and compare your options when it comes to Medigap coverage.
- Nationwide network of doctors and specialists
Medicare Supplement enrollees can visit any doctor that accepts Medicare coverage. Doctors or hospitals that accept Medicare are required to accept all Medigap plans, regardless of insurance carrier.
- More flexibility with treatment options.
Some Medicare plans require you to choose a primary care physician, who has the final say on what providers you can see. Medigap plans allow you the flexibility to select any treatment option you prefer.
COMPARE OVER 20 TOP RATED CARRIERS TO GET THE RIGHT PLAN AT THE BEST PRICE
UMA CUSTOMERS SAVE AN AVERAGE OF $581 ANNUALLY
