Together, we make good health happen!

We help you get the best medical help by assisting you with the right insurance plan.
So take care of your health, and we will cover your medical needs.

Medicare Advantage Plans

HMO Plans

Our Health Maintenance Organization Plans cover all your medical emergency needs if you live or work in the service area. With this plan, under the right eligibility, you will be provided integrated care with a prime focus on wellness.

PPO Plans

If you're looking for insurance policies to cover medical, consultation, and hospital expenses at a lesser than usual cost, opt for these services. We will do the best we can to deliver the necessary services.

PFFS Plans

It is another medicare advantage plan we provide that does not include any cost-control measures or prior authorization. Under the suitable eligibility, we offer services at the set rates.

Medicare Supplement Plan

If you're looking for hospital and medical insurance coverage at a set time or during emergencies to complement the original medical coverage, we are here for you!

Women Care Plan

We have specifically designed women's care plans to help with the medical and hospital needs of women and their families.

FHO Plan

Family Health Optima plans are issued for the entire family under one insured sum. Therefore, it is considered a super saver plan to take care of the entire family's medical expenses.

Why Do You Need Health Insurance?

Health Insurance helps you be better prepared for the possibilities of accidents and illnesses in the future.

Changing Lifestyle

The modern-day lifestyle poses many health risks to individuals. Health insurance is vital in this day and age, more than ever.

Rising Medical Costs

With healthcare becoming more expensive day by day, it is best to have sufficient backup. You and your family can lead a worry-free life.

Get a plan with prescription drug coverage AND medical coverage!

Watch How We Work

Number Speaks

Over 150k people have put their trust in us to care for their healthcare, medical and
hospitalization needs. This is your chance to be the next one!

Healthcare Providers
0 K+
Claim Settlement Ratio
0 %
Tax Benefits
0 %

Satisfied Clients

Here is what our customers say about us!

"Their response time is perfect, and they
reply to queries within a minute."

Violet C. Hunt

"The entire team which handles my policy is professional and friendly and helps clear my doubts."

Willie L. Hanson

"When I was hospitalized for a week, I got terrific
benefits from their policies."

Harold V. Piner

"I got their PFFS plan, which has helped me in various
healthcare and emergencies."

Laurie A. Dabbs
Why Choose Us?

Why Choose Universal American For Your Medicare Coverage?

Universal American’s Medicare plans are backed by our unique approach to keeping you healthy.

Latest Blog Posts

Rooting for Better Healthcare: Lessons from Tree Services in Austin

The city of Austin, Texas, is renowned for its verdant landscapes and robust tree conservation efforts. Its tree services are a paragon of meticulous care and sustainable management, ensuring the longevity and health of the city’s green canopy. Surprisingly, there’s much to learn from these arboricultural methods that can be applied to the healthcare system. Here, we unearth the parallels between the two and explore how lessons from Austin’s tree services (know more here – can inspire a stronger, more resilient healthcare system.

tree services and healthcare in Austin Texas

Cultivating a Strong Foundation

Preventive Measures

In tree care, the focus is often on preventing disease before it starts. Arborists regularly check for signs of stress or illness in trees, addressing potential issues early to prevent more significant problems later. Similarly, in healthcare, preventive medicine is the foundation of a healthy society. Vaccinations, regular health screenings, and education about healthy lifestyles play an equivalent role in preventing disease in humans. By investing more in preventive care, healthcare systems can reduce the burden of chronic diseases and acute illnesses, just as Austin’s trees are maintained to prevent decay.

Early Intervention

Tree services in Austin don’t just wait for visible signs of distress; they use technology to detect potential issues within a tree’s structure before they become apparent. This proactive approach could revolutionize healthcare, where early detection of conditions like cancer or heart disease can mean the difference between a simple treatment and a life-threatening situation. Incorporating regular screenings and advanced diagnostics into routine care could help catch diseases early when they’re most treatable.

Pruning for Growth

Specialized Care

Just as arborists selectively prune trees to promote healthy growth and remove hazardous limbs, healthcare providers must tailor treatments to each patient. Personalized medicine, where treatments are customized based on an individual’s genetic makeup, lifestyle, and other factors, can lead to better health outcomes. This concept is akin to the precision with which tree specialists in Austin approach each tree, understanding that a one-size-fits-all strategy does not work for the diverse species and conditions they encounter.

Cutting Out Inefficiencies

In tree maintenance, every cut is made with intention. This efficiency minimizes harm and maximizes the tree’s health. The healthcare system too needs such strategic ‘pruning.’ Cutting out inefficiencies could involve streamlining administrative processes, reducing redundant testing, or implementing better technology systems for patient records. By ensuring that every action taken is with the patient’s best interest in mind, healthcare can grow more robust, just like Austin’s trees.

Deeply Rooted in Community

Education and Involvement

A critical aspect of Austin’s tree services is community education and involvement. Citizens are encouraged to understand and participate in the care of their local trees. This model is invaluable for healthcare. Educating communities about health risks and involving them in health-related decisions can lead to more engaged patients who are proactive about their health. Additionally, community health programs can address local health concerns effectively, just as community-led tree planting and care initiatives maintain the health of Austin’s urban forest.

Equity in Care

Just as Austin’s tree services strive to maintain trees in all areas of the city, healthcare must be equitable. Access to healthcare services should not be determined by socioeconomic status or geography. In the same way that Austin ensures all its neighborhoods benefit from a healthy tree canopy, healthcare systems should ensure that all individuals have access to the care they need. This involves addressing healthcare deserts, much like tree-planting initiatives aim to green urban spaces lacking canopy coverage.

Sustainability and Longevity

Long-Term Planning

Austin’s approach to tree care involves long-term planning, recognizing that the benefits of today’s work will be reaped decades into the future. The healthcare system needs a similar long-range perspective, focusing on sustainable practices that support the health of future generations. This could mean investing in sustainable healthcare facilities, promoting research into long-term health conditions, and considering the environmental impact of healthcare practices.

Adapting to Change

Tree services in Austin are well aware of the challenges posed by climate change, and they adapt their strategies accordingly. The healthcare system, too, must be adaptable, ready to meet the challenges of a changing world. This might involve preparing for new health threats, incorporating telemedicine, or adopting new treatment methods as they are developed.

The Resilient Canopy of Healthcare

The parallels between tree services and healthcare are evident. Both are essential to the wellbeing of the community, require a focus on prevention and early intervention, benefit from specialized and efficient practices, depend on community involvement and equity, and must be sustainable and adaptable to ensure longevity.

Austin’s tree services show us that with the right care and attention, trees can thrive for centuries. If we apply these lessons to healthcare, we can build a system that not only survives but thrives, providing shade and shelter to generations to come. As we root for better healthcare, let’s take inspiration from the care given to Austin’s trees and aspire for a future where the health of our community is as perennial as the trees that adorn our city.

What Is Medicare? How Does It Work?


Medicare is a federal health insurance program in the US and many other countries that offer health insurance programs to the following people:

  • Elders who are 65 years and above
  • Young people with disabilities
  • People suffering from permanent kidney failure and the ones who require assistance is transplants and dialysis

There are different parts to medicare insurance that cover specific services like:


  • Medicare part A – Hospital insurance covers all the admissions and inpatient hospital stays, hospital services, nursing care facilities, and certain health care services. Sometimes people do not pay a monthly premium for Part A, which is the Premium-free Part A. However, if people are not eligible for the premium-free services, they can buy the Part A plan and pay $506 each month in 2023.
  • Medicare part B – Medical insurance: It covers all the outpatient hospital and doctor’s services, including medical supplies and other preventive services for patients suffering from different kinds of disabilities. Most people pay a monthly premium for part B, which is $164.90 in 2023.
  • Medicare part D – Prescription drug coverage: It covers the costs of all the prescribed drugs for the patient, which might also include vaccines, shots, and injections.

How does medicare work?

Medicare offers different options for drug, hospital, and health care coverage. Once a person enrolls for medicare services, they have to decide how they can get the coverage, which can mainly be done in two different ways.

Original medicare

This includes Hospital insurance (Part A) and Medical Insurance (Part B). People generally pay for the services as and when they get them and get a deductible every year. People have to pay 20% of the coinsurance. If people wish to customize it with drug coverage, they can add Part D of the insurance.

Medicare Advantage

It is a medical and hospitalization-approved plan for big corporate companies. These are bundled plans which generally include Part A, Part B, and sometimes Part D. this type of plan also offers a few extra benefits not covered in the original medicare plan, like dental, vision, and hearing services. They generally have yearly contracts and follow the coverage rules.

When people opt for medicare prescription drug coverage (part D), they generally get all the overage of drugs necessary after a person is discharged from the hospital. But, one of the prerequisites of this plan is first to join a medical-approved plan which offers extended drug coverage policies. Although the plan can vary related to costs and specific drugs, they often follow a general standard set by the medicare company. In addition, these plans include drugs under different brand names as well as some generic drugs. Therefore, the cost coverage depends on the different ‘tiers’ they fall under!

Universal American Medicare