United American Insurance Company Supplemental Health Products  


United American offers a variety of Hospital and Surgical expense plans for individuals and families. These plans are designed to supplement current health coverage or serve as basic coverage where cost or availability is an issue.

Some of our most popular limited benefit plans include:

    United American Freedom Signature Series (GSP3, SWL, RT10)
  • Issue ages 0-63
  • Sliding scale of premiums and benefits
  • Choice of deductibles and maximum benefit amounts
  • Doctor Office Visit Benefit
  • Miscellaneous Hospital Expense Benefit up to $50,000
  • Optional cancer, critical illness, and accident benefit riders
  • Choice of whole lilfe or term life policy on the same convenient application
    United American Foundation Signature Series (MMGAP, SWL, RT10)
  • Issue ages 0-63
  • Helps manage your major medical deductible, copays, and coinsurance
  • Pays benefits for hospital inpatient expenses
  • Calendar-year maximum benefits up to $10,000
  • Optional hospital outpatient benefit rider
  • Choice of whole life or term life policy on the same convenient application
    United American Tradition Signature Series (INDEM1, SWL, RT10) - California Only
  • Issue ages 0-63
  • Hospital inpatient benefit pays up to $50,000
  • Mammography benefit for women
  • Optional outpatient physician benefits, cancer, critical, illness, and accident benefit riders
  • Choice of whole life or term life policy on the same convenient application
    United American FLEXGUARD© Plus Hospital & Surgical (GSP2)
  • Issue ages 0-63
  • Coverage for individuals or families
  • Choice of three benefit levels: $50,000, $75,000, or $100,000.
  • Choice of additional benefits: Additional physician charges, critical illness benefit, cancer, or accident
    United American Good Sense Plan Hospital & Surgical (GSP1)
  • Issue ages 0-63
  • Choice of daily hospital room, intensive care, and outpatient hospital expense
  • Choice of surgical expense benefit
  • Miscellaneous hospital expense benefit of up to $25,000
  • Miscellaneous surgical expense benefit of up to $7,500
    United American Common Sense Plan (CS1)
  • Issue ages 0-63 (0-60 California and Texas)
  • No lifetime maximum
  • Maximum hospital/surgical benefit amount per covered family member, up to $100,000 per year
  • Choice of annual deductible up to $5,000
    United American HSXC Hospital & Surgical
  • Issue ages 0-63
  • Choice of daily hospital room benefit
  • Miscellaneous hospital expense benefit up to $7,500
  • Additional benefits for intensive care, surgery, assistant surgeon, and more
    United American SHXC Hospital & Surgical
  • Issue ages 0-63
  • Choice of daily room benefit
  • Includes intensive care, surgical, and miscellaneous hospital expense benefits
    United American SMXC Surgical & Medical
  • Issue ages 0-63 (0-60 California and Texas)
  • Doctor treatment benefits
  • Surgical expense, X-ray, laboratory benefits
    United American MMXC Hospital & Surgical
  • Issued at all ages (not available if enrolled in Medicare)
  • Choice of daily room benefit
  • Provides hospital room benefits for as long as two years
  • Miscellaneous hospital expense benefits up to 20 times daily room benefit
  • Additional benefits for intensive care, surgical expense, assistant surgeon, and more
    United American HealthGuard Critical Illness (CILS)
  • Issue ages 18-64
  • Choose a lump-sum benefit amount: $10,000; $20,000; $30,000; $40,000; or $50,000. (Benefit amount will reduce by 50% at age 65)
  • Guaranteed Renewable to age 80
  • First diagnosis coverage; policy terminates upon payment of benefit
  • Pays in addition to any other life, major medical, or hospital coverage
  • No Precertification requirements
    United American Cash Benefit Cancer Plan (CANLS2)
  • Issue ages 0-69
  • Choose a lump sum benefit amount: $10,000; $20,000; $30,000; $40,000; or $50,000. (Benefit amount will reduce by 50% at age 65)
  • First diagnosis coverage; policy terminates upon payment of benefit
  • No physical exam, just a few health questions determine eligiblity
    UA-250 Accident Compensation Plan
  • Issue ages 0-63
  • Pays benefits for accidental injury
  • Choice of lump-sum payment or hospital cash benefit

All United American Insurance Company policies are guaranteed renewable, which means your policy cannot be canceled for any reason as long as premiums are paid on time. Benefits cannot be changed by the Company because of any change in your health or the number of times the policy is used.


These policies have some limitations and exclusions and may vary by state. Consult your United American Agent for full plan benefits and explanations.




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