Welcome to

Universal American Medicare

Universal American Medicare has proven to be a boon and relief for many American citizens. We offer many plans that will help meet your unique needs.

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Turning 65?

Find a Medicare Advantage plan that fits you

If you are concerned about your age-related diseases and illnesses, you can find many plans to choose from. You can cover your medical costs and eliminate all your worries.
Our Values

Find all the plans in your area

Women Care Plan
We offer a reliable women care plan to help take care of the costs associated with pregnancy, reproductive treatment and more.
50+ Health Insurance Plan
Health insurance is like oxygen. We all need it. We can help you choose the perfect health insurance plan that will not prove burdensome to you.
FHO Plan
If you’re a young man who just started your very own family, you will need a Family Health Optima insurance plan. You can protect your entire family with this plan.
HMO Plan
HMO stands for Health Maintenance Organization. This plan is known for its low premiums and it offers sufficient coverage. It also comes with certain restrictions that you will need to be aware of.
PPO Plan
PPO stands for Preferred Provider Organization. Although the premium for this plan can be a bit high, you will receive more coverage. If you already have a network of preferred doctors, an HMO plan is more well suited.
PFFS stands for Private Fee-for-Service. It is typically only provided by a State licensed risk bearing entity. It comes with different provider payment rates.
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.

COVID-19 Cover

Health Insurance plans nowadays offer COVID-19 Cover. Having this cover will help you stay less alarmed and it will give you peace of mind.

Provides Cashless Treatment

Cash has become a traditional form of payment. With cashless payments, there is more speed and convenience.

Our Purpose

A Convenient Way to Secure Your Health with Care Health Insurance

Get in touch with us and let us know what the requirements for you and your family are. A discussion with us can help clear many things up.
We will provide you with many well suited options and give our recommendations. We will ensure that the entire process goes smoothly.

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Know the Pros and Cons of Medicare Advantage Plans


Before you join a Medicare Advantage Plan, you should know the Pros & Cons. This article will discuss each plan’s costs, coverage, and requirements. You should also know what restrictions and requirements each plan has. After reading this article, you’ll be able to choose the right plan for your healthcare needs.

Plan restrictions

Plan restrictions of Medicare Advantage plans vary from state to state. In some cases, Medicare Advantage plans may not offer coverage for certain services. In other cases, Medicare Advantage plans may have a network of doctors that only the plan’s physicians are part of. In many cases, the networks were not even half as extensive as Medicare physicians in a given county. The Centers for Medicare and Medicaid Services (CMS) is strengthening its oversight of plan networks starting in 2024.


The two types of Medicare Advantage plans have a range of network and copayment requirements. HMOs cover only services delivered by in-network providers. PPOs cover care delivered by out-of-network providers, but they charge higher costs for such services. Plan restrictions of Medicare Advantage plans vary significantly across counties. Moreover, the networks of different plans may be completely different. Therefore, enrolling in a particular plan may not provide you with the services you need.


The Kaiser Family Foundation found that the average cost of a Medicare Advantage plan was $2,294 in 2016. These figures do not account for the costs of deductibles, out-of-pocket maximums, and premiums associated with other plans. Costs will vary widely depending on your chosen plan, its terms, and your specific situation. You can learn more about costs by reading the Annual Notice of Change (ANNC).

If you’re a typical Medicare Advantage plan enrollee, the cost of your plan is likely to vary greatly from state to state. The average monthly premium is $25 for a local PPO, while the national average is $133. Other plans may have higher premiums but will cover more services for a lower price. For example, a national PPO may cost more than Medicare’s traditional plans, but the cost of a local plan is lower than an HMO’s.


Medicare advantage

Medicare Advantage plans generally cover all services provided by Medicare Part A and Part B, plus Part D. Some Medicare Advantage plans also include a limited set of services, including allowances for certain over-the-counter drugs. The cost of a Medicare Advantage plan may vary by county, type of service, and provider network, but most plans cover the same services. In-network care is available and may be easier to coordinate with a Medicare Advantage plan.

Medicare Advantage plans are not Medicare Supplement Plans but an alternative to Original Medicaid. They provide prescription drug coverage and other benefits, including discounted health-related items, and sometimes help with premium costs. Some plans offer extra benefits, such as discounts on gym memberships or meal delivery services. They may also include a monthly premium or annual deductible or a copayment with your Part B premium. To compare the costs of Medicare Advantage plans, it is important to determine the plan that best suits your needs and budget.


If your current plan does not meet the CMS’s minimum medical loss ratio, you may be required to remit payments to CMS. This could result in your plan being terminated or unable to enroll new beneficiaries. The purpose of the minimum medical loss ratio requirement is to limit administrative costs. Some Medicare Advantage Plans have higher margins, but this is not the case for all. For example, a chronic or institutional Special Needs Plan must have a higher margin than a standard Medicare Advantage Plan. Due to COVID-19, the margins for such plans will be lower in 2020.

In order to join a Medicare Advantage Plan, you must have Original Medicare coverage. You must also live in a service area where the Medicare Advantage Plan is located. In addition, a Medicare Advantage plan must accept new users during the application period. You may be eligible for a Medicare Advantage plan even if you are under 65. You may also be eligible for Medicare if you are disabled and are not yet 65. If you do not meet the eligibility requirements, you can still enroll in a Medicare Part B plan.

Regional availability

Health and Human Services

The Secretary of Health and Human Services has the authority to adjust regional payment rates for Medicare Advantage plans. The regional adjustment can be uniform or based on county-level MA payment rates, weighted by Medicare beneficiaries. Small geographic adjustments can impact competitive dynamics and marketing in high and low-cost areas. However, implementing regional payment rates is not as easy as it might seem. The MMA allows the secretary discretion to adjust these rates to achieve desired results.

There are two main advantages to the regionalization of Medicare Advantage plans. First, it would be easier for consumers. Regional Medicare Advantage plans can be accessed by residents of the same state or county. Moreover, regionally available plans are often more cost-effective than single-state plans. This would encourage the formation of regional plans in rural areas, where costs are high. However, regionalization can also result in higher premiums and fewer choices for beneficiaries.