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!

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Healthcare Providers
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Claim Settlement Ratio
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Tax Benefits

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

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!