Heritage Health Systems is a Medicare-approved managed care and medical management organization located in Houston. The firm serves the Medicare Advantage market and operates various Medicare Advantage health plans throughout the United States. It provides fixed-benefit accident and sickness disability, long-term care, senior life and individual life insurance plans. It is a wholly owned subsidiary of Universal American Financial Corporation that offers a portfolio of life and health insurance products for seniors and self-employed individuals and administrative services for insurance and noninsurance programs. Universal American operates through several business segments, including senior market brokerage, career agency, administrative services and Medicare Advantage.