United Medicare Advisors Review & Analysis

• Overall Rating: 8.5/10
• Detailed Analysis of Customer Reviews
• Positive Reviews
• Negative Reviews
• Comparison of Review Sources
• How This Report Helps Customers
• Recommendations for United Medicare Advisors
• Best Alternative Companies
• Frequently Asked Questions (FAQs)

United Medicare Advisors (UMA) is an independent online marketplace specializing in Medicare Supplement (Medigap), Medicare Advantage, and Medicare Part D plans. Founded in 2008 and based in Kansas City, Missouri, UMA partners with over 30 top-rated insurance carriers, including Humana, Mutual of Omaha, and Cigna, to help seniors compare and enroll in plans tailored to their needs. The company offers free services, including personalized assistance from licensed agents, a comparison tool for quick quotes, and ongoing support through annual policy reviews. UMA operates in 45 states and Washington, D.C., but does not serve Alaska, California, Hawaii, Massachusetts, New York, or Rhode Island. Their mission is to simplify the Medicare process, providing unbiased guidance to ensure clients make informed decisions about their healthcare coverage.

Company Website: https://unitedmedicareadvisors.com

Overall Rating: 8.5/10

Detailed Analysis of Customer Reviews

Positive Reviews

Customers frequently commend UMA for its personalized service and expert guidance. Many reviews highlight the professionalism and patience of agents like Joshua Judy, Kendall, Madeleine, and Otis Miller, who explain complex Medicare options clearly and tailor plans to individual needs. For example, a Trustpilot reviewer noted that agent Spencer alleviated retirement-related worries by guiding them through plan selection during a single call. Another customer praised agent Devin for steering them toward an appropriate supplement plan efficiently. UMA’s comparison tool is also valued for providing quick, competitive quotes from multiple carriers, saving clients significant time and money. The company’s BBB A+ rating and Trustpilot score of 9.5/10 reflect high customer satisfaction, with over 70,000 reviews on Trustpilot alone praising the ease of the process and cost savings. Clients also appreciate the ongoing support, including annual policy reviews, which help adjust plans as needs change.

Negative Reviews

Despite the overwhelmingly positive feedback, some customers express dissatisfaction. A recurring complaint involves unsolicited calls, with one ConsumerAffairs reviewer describing relentless calls from multiple numbers and rude responses from customer service representatives like “Sheila” and “Michelle.” Others report issues with prescription plan support, such as unreturned calls from prescription advisors, as noted in a Trustpilot review where a client waited over a week for a follow-up. Some customers feel misled or pressured, with one PissedConsumer review alleging deceptive tactics and unauthorized bank withdrawals. Additionally, a few reviews mention inconsistent agent knowledge, with one Trustpilot user stating that two agents lacked answers to general Medicare questions, eroding confidence. These negative experiences, though less common, indicate challenges with customer service consistency and telemarketing practices.

Comparison of Review Sources

• Trustpilot: UMA holds a 4.8/5 rating from over 70,553 reviews, with clients praising the clarity and professionalism of agents like Allyson, Brendan, and Vivian Johnson. The high volume of reviews suggests strong customer engagement, though occasional complaints about unreturned calls persist.

• ConsumerAffairs: With a 4.5/5 rating from 4,645,584 verified reviews, UMA is lauded for its free comparison tool and licensed agents. However, negative reviews highlight unsolicited calls and poor customer service experiences, such as rude interactions with staff.

• PissedConsumer: UMA scores a lower 2.5/5 based on 36 reviews, with significant criticism for alleged fraud, deceptive tactics, and unresponsive customer service. Positive reviews here are fewer but still mention knowledgeable agents like Nancy McNeil.

• BBB: UMA is accredited with an A+ rating, reflecting strong business practices. Complaints are minimal, focusing on telemarketing issues, but positive feedback emphasizes efficient service and cost savings.

• Retirement Living: Reviews highlight UMA’s partnerships with top carriers and savings of up to $634 annually. Customers like Gloria K. praise agents like Adam for patience and clarity.

• Benzinga and ConsumersAdvocate: Both platforms commend UMA’s comparison tools and unbiased guidance, with Benzinga noting the lack of online quote immediacy as a minor drawback.

Trustpilot and ConsumerAffairs provide the most robust data due to their large review pools, while PissedConsumer’s lower rating may reflect a smaller, more critical sample. The consistency of positive feedback across platforms underscores UMA’s strengths, but negative reviews on PissedConsumer and some Trustpilot comments suggest room for improvement in customer service and communication.

How This Report Helps Customers

This analysis offers a comprehensive view of United Medicare Advisors’ reputation, helping you make an informed decision about your Medicare supplement needs. By highlighting both strengths and weaknesses, it provides clarity on what to expect from UMA’s services. The overwhelmingly positive reviews suggest UMA is a reliable choice for personalized Medicare guidance, but the occasional negative feedback alerts you to potential issues like unsolicited calls or delays in prescription plan support.

Recommendations for Customers:

• Engage with Licensed Agents: Request a specific agent with strong reviews, such as Otis Miller or Nancy McNeil, to ensure a knowledgeable and patient experience.

• Use the Comparison Tool: Leverage UMA’s free comparison tool to explore plans from multiple carriers, ensuring you find the best fit for your budget and healthcare needs.

• Clarify Communication Preferences: If you’re concerned about unsolicited calls, explicitly request to be removed from marketing lists when contacting UMA.

• Verify Prescription Plan Support: Confirm follow-up timelines for prescription plans, as some customers report delays in this area.

• Research Enrollment Periods: Understand Medicare enrollment windows (e.g., the seven-month initial enrollment period around age 65) to avoid surprises, as UMA agents can clarify these timelines.

Recommendations for United Medicare Advisors

To enhance their reputation and customer experience, UMA should consider the following:

• Improve Customer Service Consistency: Train agents to maintain uniform knowledge levels and responsiveness, addressing complaints about unreturned calls or uninformed staff.

• Reduce Unsolicited Calls: Implement stricter opt-out protocols to prevent unwanted telemarketing, which frustrates potential clients. Clearly communicate how customers can remove themselves from call lists.

• Enhance Prescription Plan Support: Assign dedicated prescription advisors with clear follow-up timelines to address gaps in this service area.

• Streamline Online Quote Process: Offer instant online quotes to complement agent-led services, reducing wait times for tech-savvy customers.

• Avoid Deceptive Practices: Ensure transparency in all communications to counter allegations of misleading information or unauthorized transactions.

• Improve Accessibility: Expand services to the six excluded states (Alaska, California, Hawaii, Massachusetts, New York, Rhode Island) to broaden reach.

By addressing these areas, UMA can further solidify its reputation as a trusted Medicare resource.

Best Alternative Companies

If United Medicare Advisors doesn’t meet your needs, consider these reputable alternatives for Medicare Supplement Insurance:

• Humana: Offers competitive Medigap plans with strong financial ratings and nationwide availability, endorsed by AARP. Known for reliable customer service.

• Mutual of Omaha: Provides a range of Medigap plans with flexible pricing and a robust provider network. Highly rated for claims processing.

• Cigna: Offers affordable Medigap plans with a focus on wellness programs and additional benefits like vision and dental coverage.

• Chapter Medicare: A newer player providing personalized Medicare guidance and comparison tools, with strong customer reviews for transparency.

These companies are noted for their competitive plans and customer-focused services, making them viable alternatives to UMA.

Frequently Asked Questions (FAQs)

1. Is United Medicare Advisors a legitimate company?
Yes, United Medicare Advisors is a reputable, BBB-accredited business with an A+ rating and a 4.8/5 Trustpilot score from over 70,000 reviews. They are licensed in 45 states and partner with top insurance carriers.

2. How does United Medicare Advisors save customers money?
UMA compares plans from over 30 carriers, helping clients save an average of $581-$634 annually on premiums by finding the most cost-effective Medigap or Medicare Advantage plans.

3. Can I trust United Medicare Advisors’ agents?
UMA’s agents are licensed and provide unbiased guidance, with many customers praising their knowledge and patience. However, some report inconsistent experiences, so request a highly reviewed agent.

4. What are the main complaints about United Medicare Advisors?
Common complaints include unsolicited calls, unresponsive prescription advisors, and occasional misleading information. Always verify terms and request clear communication.

5. Does United Medicare Advisors offer services in all states?
No, UMA operates in 45 states and Washington, D.C., but does not serve Alaska, California, Hawaii, Massachusetts, New York, or Rhode Island.