UNITED AMERICAN INSURANCE COMPANY THIS COMPANY IS GREAT!! I HAVE WORKED THERE 4 YRS AND NEVER BEEN HAPPIER RENO Nevada

first lets talk about the important item here, i rechecked and ulcerative colitis is insurable after 5 years. colitis is standard issue. if you tried every insurance company either its been under 5 yrs or there is something else on your medical records. and no i cant get you insurance im not licenesed in your state. have you tried to call the department of insurance to see what other options you have since they dont have a state health pool? there has to be something i will find out for you and let you know. there should be a guarenty issue or something like that. we have guarenty issue policys in this state also. and this state has a health pool. did you ask any of the companys you applied for if they have guarenty issue policys? have you tried any of these companys, american community, american medical security, american republic, assurant, continental general, golden rule, united health care, united security?

now let me say im not criticizing the company. the company has documents that state its not a major medical policy. that shows the company has integrity. its the agents being dishonest, lieing, and missleading sales presentation that is the problem. and if someone is selling 300k on flex policys well there is no way that can be done honestly. i think you and the people you know will agree with that. i did not know your friends and family were selling medicare supplements. i did not mean to say they were dishonest, i was saying if they sell the flex and only the flex and do 300k they would have to be dishonest. i am sorry if it looked liked i implied that they were dishonest, was not my intention. just in this area they sell the flex policys. guess im like everybody else, jump to conclusions before finding out the facts.

if there busness is med sups, that tells me only one thing, to do 300k in the med sup market, you have to have a extremly large referal base. and you dont get a referal base like that by being dishonest. its just in this area ua is not in the med sup market, there to expensive, about a 100 bucks higher than everone else. so they sell guess what, yep the flex. give you a example, talked to a lady last week, she had the polcy that pays 80 dollars a day, 3000 for surgery, 7500 for misc expenes. the agent told her after she pays her 500 dollar deductable the insurance will pay the rest of the bill. now she does have a accent, from romania.

i know she should read her policy. but she really dont understand. but she was lied to and taken advantage of. that makes my blood boil ! when i showed her what the policy paid for then what it didnt pay for, her blood was boiling then. this is what the drama is about. thats what i see here. and you knowing that you know that it dont pay nothing for chemo or any other procedures, also tells me that you were honestly told what the policy pays for and what it dont pay for.

and where i attacked your character my apoligy for that too. but saying a ua agent could buy me, well that was a attack and as far as the phone comment, i dont need the phone due to my referal base is like the people you know. and like you said, we dont have the right to attack each other.

i dont have a vendetta with the company. its the agents that are lieing to people and putting the finacial lives and assets in danger. i tell people to report the agent to dept of insurance. i know of only one person that has that i have told. and i am tring to get the agents that are truly tring to sell this insurance honestly, to research what the hospitals charge for certain procedures and to tell not only what the policy pays for but what it dont pay for. not to be missleading on the sales presentation. but if they do that, you, and the people you know will agree that they wont sell too many policys. in this area they present it to sound a lot better than it really is. and no i was not burned, threatned by them or has anyone taken any of my policys

Pad, I have people close to me who have retired from this company. I also have some family who are currently employed there. UA is a med supp company, as well as life cancer etc. Whatever agents etc who are pimping this flex policy as major med, they are crazy. You know why my friends are making $300k plus? Their biz stays on the books. You know why---they are not out trying to replace major medicals. Like I said, it is two different markets. It is not right or fair to criticize the character of an entire company because of a few bad apples.

I agree that the flex policy should NEVER take the place of a major med. The people who I know do well, and ARE honest hate the flex. They sell medicare and supplementals to enhance coverages NOT REPLACE. Unless, people like me who can't qualify for a major med (I responded to your other post, but I guess it hasn't come up yet. If it doesn't, I will resend it.)


You don't know me, you don't have the right to attack my character. I don't know you either. I don't have any right to criticize you.

I don't think my policy pays anything on cancer treatments like chemo. It would pay hospitalization or surgery just like any other sickness. That's why I purchased a seperate plan that pays me $50k cash. That is not enough either.

What other option do I have???? I have been turned down by every company in my state because of ulcerative colitis--not just colitis. Some coverage is better than zero. Can you really get me insurance???? Double check and let me know. (again I asked these things in my other post. I will resend it.)


I don't know what your personal vendetta is against UA. I don't know why there is the confusion of what UA does. I really don't care. You can't negate the people helped, because of some bonehead, greedy agents--even you should agree with that....

Were you burned by them? Did they replace one of your policies? Are you threatened by them? Why the drama?

Like I said in my other post, I will be amazed who will be in this biz in 5 years.....I assure you, it won't be a UA agent replacing major medicals with the flex policy. It also won't be an agent that sells only major meds with no life or supplemental to fall back on. I guess only time will tell.

ps. If there is no state health pool, where can a diabetic or someone with my condition get coverage?????? I am interested if I can get a major med....make sure you have the right condition, and quote that.

consider the source, yeah i knew you were a agent, but again thats ok. you think that these "honest" agents are not lieing to people and taking them out of major medical policys into these limited policys then lie to people and tell them its a 500 dollar deductable 80/20 and will pay all your medical bills? man you need to wake up.

the people you know making the so called honest 300k living a year ask them if they disclose how the policy will pay if you get cancer, this is how the policy will pay, yeah right there honest, telling the people that it will only pay up to this amount and all the charges over this amount you will have to pay out of your pocket!!!

yeah right they tell them that im sure, thats why they are making that much money uh huh. and they sold these so these policys to there mother and father right? yeah right. i could care less about the agents, if they want to lie and make all that money, well they have to live with themselves not me. im trying to get someone to admit from the company, you know the honest ones how the policy will pay for something major like cancer so the customers reading this site will see it from an really truly honest agent if there is any.

since your so up on these ua policys let me ask you the question, but i know for a fact you wont answer, if someone get cancer, how will the policy pay chemo treatments on a outpatient service basis? just a very simple question. so come on answer the question so the people looking to buy this insurance policy can see from an agent how it will pay.

and needs selling? come on they dont sell on the needs of the customer, they try to sell the cheapest thing they have just to get the sale. if they were selling needs they would go to another company. because the policy will not meet there needs. only pays up to this amount, but hey mr and mrs customer after we pay our up to maximum amount you will have to pay the rest of the medical bill, no matter how big it is! there is no yearly limits with this policy.
consumer beware

and son, there is no way i would work for ua, i could not sell those policys. i would go broke, because i would be honest with these people. i would have to tell them, to be honest, not deceving, this pays up to this maximum a day if your in the hospital, if you have a heart attack and have 2 heart stints your bill will be right at 58,000 for a 3 days stay, we will help you by paying this up to maximum for 3 days, there is some other items we will pay for but you will be responsable for the rest. i know what this procdeure costs in my area do you? why of couse not! and oh by the way if you get cancer and your on chemo treatments, we will pay a one time only up to amount of _________ (come on someone fill in the blank) and you pay the rest for all the chemo treatments.

man i would go broke being an honest agent to these people. i really dont think they would buy from me. but thats my defination of being honest, i bet your idea of being honest is tell the good things, dont tell the bad things, the customer is responsible for reading there policy, right? no its the agents responsiblity to go thru the policy and make sure they understand the policy before they leave!!! im sure your friends that are honest are disclosing all this information. hahaha yeah sure they are

honest ua agents making 300k amazing

This is the most petty, childish, arguing I have ever seen! You all need a hobby. LOL.

Personally, I think if UA agents focused more on need selling to their clients rather than trying to defend their products on this blog, they wouldn't have their character in question. There are thousands of people who UA is right for. Why would UA try to sell against major meds. It's 2 totally seperate markets.


Also, if these major med agents are so obsessed with UA, why don't you work there? For crying out loud if you don't like the company, don't sell for them. Even you guys have to admit it is easier to build residuals off of life and supplemental products than major meds. Most honest, successful UA agents that stay in their market could BUY you guys. I personally know UA guys that make over $300k per year. But they are the ones who are honest, and have a diverse book of business, not boneheads replacing major medical policies with these per occurence policies.


I bet if all of you quit whining, and got on the freakin phone, you would make that kind of money as well.

I will be curious to see which ones of you are still in the insurance business 5 years from now.


Amazing.

Know the difference between 'major medical' and 'supplemental' insurance....and please...READ your policy. I don't know what else to say...I have never sold this company's product, but you must KNOW what you are buying. Would you buy a bike just because someone told you it was a car? Because it was cheaper? Because the salesman wore a nice suit? People...please!

I don't need to respond except for saying. Stay away from this company. You will get burned like I did.

I don't need to respond except for saying. Stay away from this company. You will get burned like I did.

I don't need to respond except for saying. Stay away from this company. You will get burned like I did.

to all the UA agents, i just want to know one thing, and for all people looking on here before they buy united american insurance, how does united pay the bills if someone gets cancer? like chemo treatments? oh here is a good one, a bone marrow transplant? come someone answer this question! lets see how proud you really are!

this is a great company? well im an agent that sells major medical policys. when someone hires you as there agent for there health insurance needs, they are putting there financial lives in your hands. this should be taken very seriously! what united american policys sell are supplemental policys. they are NOT a major medical policys. and they should be presened that way, as a supplement for a major medical policy, not a major medical policy.

Basic FlexGuard pays 2K per day in the hospital. Average hospital bill 22K. Average stay, 3 days. DO the math.