United American Insurance Company mislead me into believing my policy contained adequate hospitalization & surgical coverage McKinney Texas

Realizing that you are very upset and your experience is true, and costly...it could have been avoided.

Had the independent agent known the product well, he would have told you to be sure that your services were performed IN the hospital because the out patient non surgical benefits are limited in comparason. If your husband had had his services performed in the hospital...that's IN the hospital...not as an outpatient...you'd have had a whole lot more paid for by United American.
so your story is most likely very true..but your assumption of the policy coverage is sadly mistaken. First and foremost... the $500.00 deductable you mention... only affects the Misc. hosp. benefits...look at the brochure if you don't want to read the policy.... it is NOT based on 80% coverage... surgical benefit is FIRST DOLLAR COVERAGE.... up to the amount listed in the policy schedule listed in your policy... hence "limited policy".... there are several other things you mention that are mis-informed statements as well.

i'm not saying it's your fault...the agent did a pis-poor job of explaining your benefits and coverages...but look at the policy....there is a schedule of benefits listed in the policy...it's the first few pages....
This policy actually DOES afford adequate affordable coverage to individuals and is very effective at containing medical costs for policy holders....
I have been in the insurance field for 17 years... i've been an independent agent and now sell for United American.... proudly..and i can only wish someone would have explained to you how to use your policy effectively... it would have saved you a LOT of money.

Realizing that you are very upset and your experience is true, and costly...it could have been avoided.

Had the independent agent known the product well, he would have told you to be sure that your services were performed IN the hospital because the out patient non surgical benefits are limited in comparason. If your husband had had his services performed in the hospital...that's IN the hospital...not as an outpatient...you'd have had a whole lot more paid for by United American.
so your story is most likely very true..but your assumption of the policy coverage is sadly mistaken. First and foremost... the $500.00 deductable you mention... only affects the Misc. hosp. benefits...look at the brochure if you don't want to read the policy.... it is NOT based on 80% coverage... surgical benefit is FIRST DOLLAR COVERAGE.... up to the amount listed in the policy schedule listed in your policy... hence "limited policy".... there are several other things you mention that are mis-informed statements as well.

i'm not saying it's your fault...the agent did a pis-poor job of explaining your benefits and coverages...but look at the policy....there is a schedule of benefits listed in the policy...it's the first few pages....
This policy actually DOES afford adequate affordable coverage to individuals and is very effective at containing medical costs for policy holders....
I have been in the insurance field for 17 years... i've been an independent agent and now sell for United American.... proudly..and i can only wish someone would have explained to you how to use your policy effectively... it would have saved you a LOT of money.

Realizing that you are very upset and your experience is true, and costly...it could have been avoided.

Had the independent agent known the product well, he would have told you to be sure that your services were performed IN the hospital because the out patient non surgical benefits are limited in comparason. If your husband had had his services performed in the hospital...that's IN the hospital...not as an outpatient...you'd have had a whole lot more paid for by United American.
so your story is most likely very true..but your assumption of the policy coverage is sadly mistaken. First and foremost... the $500.00 deductable you mention... only affects the Misc. hosp. benefits...look at the brochure if you don't want to read the policy.... it is NOT based on 80% coverage... surgical benefit is FIRST DOLLAR COVERAGE.... up to the amount listed in the policy schedule listed in your policy... hence "limited policy".... there are several other things you mention that are mis-informed statements as well.

i'm not saying it's your fault...the agent did a pis-poor job of explaining your benefits and coverages...but look at the policy....there is a schedule of benefits listed in the policy...it's the first few pages....
This policy actually DOES afford adequate affordable coverage to individuals and is very effective at containing medical costs for policy holders....
I have been in the insurance field for 17 years... i've been an independent agent and now sell for United American.... proudly..and i can only wish someone would have explained to you how to use your policy effectively... it would have saved you a LOT of money.

Realizing that you are very upset and your experience is true, and costly...it could have been avoided.

Had the independent agent known the product well, he would have told you to be sure that your services were performed IN the hospital because the out patient non surgical benefits are limited in comparason. If your husband had had his services performed in the hospital...that's IN the hospital...not as an outpatient...you'd have had a whole lot more paid for by United American.
so your story is most likely very true..but your assumption of the policy coverage is sadly mistaken. First and foremost... the $500.00 deductable you mention... only affects the Misc. hosp. benefits...look at the brochure if you don't want to read the policy.... it is NOT based on 80% coverage... surgical benefit is FIRST DOLLAR COVERAGE.... up to the amount listed in the policy schedule listed in your policy... hence "limited policy".... there are several other things you mention that are mis-informed statements as well.

i'm not saying it's your fault...the agent did a pis-poor job of explaining your benefits and coverages...but look at the policy....there is a schedule of benefits listed in the policy...it's the first few pages....
This policy actually DOES afford adequate affordable coverage to individuals and is very effective at containing medical costs for policy holders....
I have been in the insurance field for 17 years... i've been an independent agent and now sell for United American.... proudly..and i can only wish someone would have explained to you how to use your policy effectively... it would have saved you a LOT of money.