Follow Us On:
Facebook logo    Twitter logo

Call Toll Free
866-323-1441
To Contact Our Licensed Advisors

United World Life Insurance
Company Medicare Supplement Plans


United World Medigap Medicare Supplement Plans | Medicare Supplement Plans

United World Life Insurance Company began offering its leading Medicare supplement insurance plan programs in 1983. Its parent company is Mutual of Omaha, one of the more trusted names in the insurance industry for more than a century. United World in particular is well-known for its low premiums, quality customer service, and financial stability.

United World Medicare Supplement Insurance Plans

Medigap plans, another term for Medicare supplement insurance, help to fill in the coverage gaps left by Original Medicare. These federally regulated plans pick up the charges that Medicare doesn’t cover, thus limiting your out-of-pocket expenses. Medigap plans give you the option to expand your Medicare benefits and make your coverage more complete.

You need to be enrolled in both Medicare Parts A and B to be able to purchase a Medigap plan. This applies not only to seniors age 65 or older, but to individuals under age 65 who have Medicare Part B due to disability.

In most states, there are 10 available Medicare supplement insurance plans available that are lettered A through N. All insurance companies are required to offer Medigap Plan A, which provides the fewest benefits. Insurers then have the option to sell some or all of the nine remaining Medigap plans.

United World offers five Medigap plan choices -- A, B, F, G and M -- one of which will very likely provide the array of benefits that will meet your particular needs. The benefits of each Medigap plan are standardized, so you’ll get the exact same coverage whether you select United World or another company. Click here to view the benefits offered by these and the other five Medigap plans.

Not all United World Medigap plans are available in every state. When using our Medigap Quotes page to obtain rate quotes, you’ll be able to find out if United World Medigap plans are sold in your location.

How to Apply for a United World Medigap Plan

Additional Medigap Features from United World

  • Automated underwriting in four days on average
  • Low premiums
  • No waiting period for pre-existing conditions if you enroll during open enrollment period
  • Guaranteed renewable for life as long as premiums are paid
  • Rated A+ (Superior) by A.M. Best and A+ (Strong) by Standard & Poor’s for its financial rating

Premiums

To determine your base premium, United World takes into consideration several factors such as: age, zip code, type of Medigap plan, and tobacco smoking history.

There are also three types of Medigap plan premium rating systems that United World uses that will affect your premiums depending on which one is relevant to your policy:

  • Attained-age: Premiums increase as you grow older. Aside from age, rates increase due to inflation and other factors.
  • Issue-age: Premiums are based on your age at the time of your application. The younger you are during the time you apply, the lower your premium. Rate increases don’t happen because of your age, but will still be affected by inflation and other factors.
  • Community-rated: The premiums are the same regardless of age. Rates increase not because of age, but because of inflation and other factors.

Below is a chart that indicates what type of premium rating system United World uses per state.

State Attained, Issue or
Community Rated
Gender Rating

Tobacco/
Non-Tobacco
Rates

Tobacco Rates
During Open
Enrollment

Alaska

Attained-age

Yes

Yes

Yes

California

Attained-age

No

Yes

Yes

Colorado

Attained-age

Yes

Yes

No

Delaware

Attained-age

Yes

Yes

Yes

Kansas

Attained-age

No

Yes

Yes

Maryland

Attained-age

Yes

Yes

No

Minnesota

Community-rated

No

Yes

Yes

Montana

Attained-age

No

Yes

Yes

New Jersey

Attained-age

Yes

Yes

No

New Mexico

Attained-age

Yes

Yes

Yes

North Dakota

Attained-age

Yes

Yes

No

Pennsylvania

Attained-age

Yes

Yes

No

South Dakota

Attained-age

Yes

Yes

Yes

Utah

Attained-age

Yes

Yes

No

Wyoming

Attained-age

Yes

Yes

Yes

 

Open enrollment is the best time to purchase a Medigap plan because you’ll have guaranteed-issue rights to the plan you want. This six-month open enrollment period begins once you enroll in Medicare Part B at age 65. During this time, insurance companies cannot deny coverage because of a health condition; you will not have to undergo medical underwriting.

To get an idea how much Medigap plans from United World and other companies cost in your area, use our instant quote system. Just enter your zip code and we’ll show you available plans and rates in your area in just a few minutes. You can also call our toll free number (866-323-1441) to speak with one of our friendly Personal Advisors. We’ll do the research, help you narrow down your choices to the most promising plans, and see which ones best match your individual needs overall.

MediGap Advisors is an independent United World producer.


A Message from Our President, Wiley Long

Online Medigap Quotes

Select your state below and click Continue to see rates and compare Medigap plans in your area.

What our clients are saying:

"My shopping and purchasing experience with Medigap Advisors was wonderful! My agent Tom Lockwood was great! I would rate Tom 10 out of 10! He really helped me understand the confusing world of Medicare Advantage."

Nancy Rivers - Jenks, OK

MediGap Advisors
1281 E. Magnolia St., Unit D #233
Fort Collins, CO 80524
866-323-1441
Contact Us
About Us

MediGap Advisors BBB Online Reliability

© 2014 - All Rights Reserved
Disclaimer: Medigap Advisors is not connected with or endorsed by the U.S. Government or the federal Medicare program. Medicare has neither reviewed nor endorsed the information contained on this website. This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult www.medicare.gov (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week.