UCT Medicare Insurance Review & Complaints: Health Insurance (2024)

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United Commercial Travelers (UCT) is a nonprofit fraternal organization that uses its profits to support community service efforts. They offer a variety of supplemental health insurance plans to members across the United States and Canada.

This UCT Medicare review will take a look at the UCT Medicare Supplement plans that are available. We’ll also cover company ratings and how to get UCT Medicare quotes.

You may decide to buy UCT Medicare coverage after reading this review, but first, make sure to shop around. Compare Medicare rates now with our free quote tool above.

About UCT

The Order of United Commercial Travelers (UCT) was founded in Columbus, Ohio in 1888 to provide financial services to traveling salesmen. UCT went on to expand into Canada in beginning in 1899.

Although membership was originally limited to salesmen, today it is open to men and women over the age of 18 with an interest in giving back to the community. Rather than distributing profits back to shareholders, UCT directs them towards charitable community service actions chosen by the members. Membership benefits include a widow and orphan benefit, a death benefit, and discounts on travel needs like rental cars and hotels.

UCT councils can be found in nearly every state – 47 states and the District of Columbia – as well as in 10 Canadian provinces. Supplemental health insurance products, including long-term care and Medicare Supplement, are sold through agents who are also UCT members.

UCT Medicare Supplement Plans

UCT offers Medicare Supplement insurance in all of the states in which they have councils. Only members of UCT are eligible for coverage. Most states follow the standardized letter system for determining plan coverage. In states that do not use the lettered system – Massachusetts, Minnesota, and Wisconsin – UCT offers plans that follow the state-specific requirements.

In California, our sample state, UCT offers a broad range of plans. Of the 11 total plan options, UCT offers seven. That’s more than most companies, giving consumers a good selection to choose from.

Based on the requirements for all companies offering Medicare Supplement, Plan A is available in all states that use this system. This is a basic plan that pays the coinsurance not covered by Medicare Parts A & B. It also covers the first three pints of blood annually that are not covered by Medicare.

UCT also offers Plans B, C, D, F, G, and N. Each of these plans provides a different combination of coverage to allow you to choose how much you want to pay for your plan, and what coverage is the most important. Plan F is the most comprehensive coverage available. It pays for all out-of-pocket expenses that aren’t covered under Medicare; as a result, it is frequently the most expensive plan. There is a high deductible option for Plan F that allows you to get the coverage at a lower monthly premium, however, UCT does not appear to offer this option.

UCT Medicare Rates

UCT does not provide any online rates for comparison. Rate quotes are only available through agents, and policies can only be issued to members of the organization.

Since we are unable to obtain a quote, we can’t provide a rate comparison to other companies.

UCT Medicare Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

UCT Medicare offers multiple avenues for filing claims, ensuring convenience for its policyholders. You can file a claim through their online platform, over the phone, or even through their mobile app. This flexibility allows policyholders to choose the method that suits them best, making the claims process more accessible and user-friendly.

Average Claim Processing Time

While the article provides comprehensive information about UCT Medicare’s offerings, it does not specify the average claim processing time. To assess this aspect, potential policyholders may need to reach out to UCT Medicare directly or consult their official resources for more precise details on claim processing times.

Customer Feedback on Claim Resolutions and Payouts

The article does not provide specific customer feedback regarding UCT Medicare’s claim resolutions and payouts. To gauge customer satisfaction in this regard, individuals interested in UCT Medicare may want to explore online reviews and testimonials from policyholders who have experienced the claims process firsthand.

Additionally, contacting UCT Medicare directly to inquire about their claims history and customer satisfaction rates could be beneficial.

UCT Medicare Digital and Technological Features

Mobile App Features and Functionality

UCT Medicare offers a mobile app to enhance the digital experience for its policyholders. However, the article does not delve into specific details regarding the features and functionality of the app. To understand the mobile app’s capabilities better, individuals can visit the UCT Medicare website or download the app to explore its features, such as account management and claims submission.

Online Account Management Capabilities

The article briefly mentions online account management capabilities but does not provide an in-depth overview. To gain a comprehensive understanding of UCT Medicare’s online account management features, individuals should visit the official website or log in to their online accounts.

These capabilities may include policy management, bill payment, claims tracking, and access to important documents.

Digital Tools and Resources

While the article mentions the availability of digital tools and resources, it does not specify the nature of these tools and resources. Interested individuals can visit the UCT Medicare website or contact the company directly to explore the digital tools and resources they offer.

These may include educational materials, calculators, and resources to help policyholders make informed healthcare decisions.

UCT Ratings and Reviews

The Better Business Bureau (BBB) gives United Commercial Traveler’s an A+ rating. There are no complaints on file against the company in the past three years.

A search for reviews turns up a Facebook page that states it is unofficial. This page has a few reviews, none of which are particularly helpful for creating a solid image of the company’s reputation. The few negative reviews don’t provide much information and aren’t aimed at Medicare or health insurance plan coverage.

UCT is a small company in spite of covering most of the nation, and a membership-based nonprofit, so it’s not surprising that we found little in the way of reviews.

UCT Medicare: The Bottom Line

UCT is likely to appeal to those who prefer a small insurance company, and to those who like the idea of a fraternal organization that gives back. Without any rate information, we are not able to provide a clear comparison, but there are a lot of plan options, and the cost may not matter to those who choose the company for philanthropic purposes.

Affordable UCT Medicare supplement might be the best choice for you, but you can be sure by comparing other options as well. Enter your ZIP code for quotes from top companies.